Saturday, June 30, 2012

So What Do I Do With My Food Now? Eat It? [Instagram Is Still Down, Bad Jokes On Twitter Ensue]

Screen shot 2012-06-30 at 17.52.12Oh yes, the social media food humor is rolling in -- eat it up, people. According to Twitter's real-time search, Instagram being down, as a result of an Amazon Web Services storm-related incident, is unleashing a cornucopia of Instagram-related food jokes, at a rate of about one every couple of seconds. They're a little cheesy (sorry!) but do underscore just how much the photo-sharing app is used (or, least how much it's used by the kind of folks who also take to Twitter when they have an issue with the world). And how much it's become a part of life's everyday small events, perhaps more than any other social media app.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/3BJMQCtH_X4/

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Is Cycling the New Golf?

Anyone in this business knows you need something to connect with clients socially. For me, that thing is cycling.

Back in 2001, I was 10 years in the business, a steady $200,000 to $300,000 premium producer and thought I had achieved all of my goals for the first decade of my career. The problem was that my 70-hour work weeks had allowed me to gain 40 pounds and develop high blood pressure and high cholesterol at the ripe old age of 32. I had lost my health in my pursuit of financial success.

I begged my cardiologist to hold off on medication for one more month and promised I would lose weight. He agreed, so I dusted off my old mountain bike that was buried deep in my parents? shed and started riding. Every day, either before or after work, I would do loops in Central Park. Workouts started at 30 minutes and quickly progressed to an hour. My fears of decreased production quickly faded, as I had much more energy throughout the day. After a year of this, I was looking for any excuse to ride more. I had lost 15 pounds, my suits fit better and I loved the way I felt. I started to ask prospects and clients if they rode, and if so, did they want to ride together?

Prospects I rode with almost always turned into clients, and clients I rode with turned into better clients. I also started to meet people while riding and brought up what I did for a living if the opportunity presented itself. The combination of new revenue from this additional form of prospecting and expanding business with a few key cycling clients got me to the next level, while happily spending more time out of the office and getting my weight, blood pressure and cholesterol to normal levels.

Certainly, I could have stopped there, but like many reformed workaholics, I had to take it to the next level and try bike racing. I entered my first race in 2004 and was immediately hooked, even though I had no idea what I was doing (and neither did most people in this beginner-level race). I had to learn more and ride more if I was going to get better. I also had to meet more people on the bike if I was going to train 12 hours per week. Surprisingly, I met more people training than I did casually riding. Turns out there were a lot of suit-and-tie guys like me racing at the amateur level, and I quickly became friends with many of them. Some of them needed a person like me, and it was quite logical for them to become my clients.

After I won races at the novice level, I started racing at the intermediate level at the age of 37. To be competitive in these races required more training, so I formed a group of people I met throughout the last few seasons to ride every weekday at 5 a.m. Other folks riding alone at that hour noticed us and asked to join in. By the end of that season, we were a group of 12 regulars, meeting every weekday morning. Out of the group, nine of the 12 became clients, and one who didn?t got me quoted in the Wall Street Journal. Two of the gentlemen that became clients worked for a large European bank and introduced me to their HR director. That led to the largest multi-life disability sale of my career ? 245 eligibles with 42% participation.

Today I am 43 and won my second state championship in 2011. I?ve also qualified for the World?s Masters Championship in South Africa this August. I am 40 pounds lighter than my peak, have a resting pulse of under 50 and one of the best cholesterol ratios my doctor has ever seen. As far as production, not only did it not suffer, but it also grew beyond my wildest expectations, culminating in my being recognized as one of the top 10 producers for my company in 2011 out of a 5,000-plus field force.

Was it the weight loss or the amazing relationships I developed? Did the better fitting suits lead to the CNN and CNBC appearances? Was it just the overall higher confidence level? It?s probably a combination of all of them. But I know I wouldn?t be flying first class back from my company?s conference in Ireland right now if I hadn?t dusted off that mountain bike in my parents? shed.

?

For more on prospecting, see:

4 Habits That Increase Life Insurance Sales Activity

Keys to Successful Prospecting

How to Maximize Your Book of Business

Source: http://www.lifehealthpro.com/2012/06/29/is-cycling-the-new-golf?ref=rss

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NBC picks Guthrie to replace Ann Curry on 'Today'

FILE - In a Wednesday, Aug. 10, 2011 file photo provided by NBC, "Today" show co-host Savannah Guthrie appears on the set during a broadcast, in New York. Guthrie is expected to replace Ann Curry as ?Today? show co-host. Curry announced her departure as co-host on the "Today" show Thursday, June 28, 2012. (AP Photo/NBC, Peter Kramer, File)

FILE - In a Wednesday, Aug. 10, 2011 file photo provided by NBC, "Today" show co-host Savannah Guthrie appears on the set during a broadcast, in New York. Guthrie is expected to replace Ann Curry as ?Today? show co-host. Curry announced her departure as co-host on the "Today" show Thursday, June 28, 2012. (AP Photo/NBC, Peter Kramer, File)

(AP) ? With little fanfare, NBC appointed Savannah Guthrie on Friday as Matt Lauer's co-host for the "Today" show, one day after ousted Ann Curry's tearful exit.

Guthrie, a lawyer and former White House correspondent for NBC News, has been host of the morning show's third hour for the past year (the show currently stretches for four hours). After vacations next week, the new team officially debuts on July 9.

It's an understated introduction for someone taking one of the most important jobs in television news. "Today" is a cash cow and the jewel in NBC's crown, and has seen its longtime position of dominance threatened in recent months by ABC's "Good Morning America." Its troubles cost Curry her job.

Guthrie, who wasn't made available for interviews, teamed with Lauer on Friday and told viewers nothing about her promotion. It was announced by a press release a few hours later, the day before a summer holiday week, a time when news releases are usually buried instead of trumpeted.

NBC wanted her in place before the start of the Summer Olympics in London next month. "Today" will travel to the Olympians and the broadcasts are seen as a good opportunity for "Today" to regain some momentum after its challenge from ABC.

Guthrie, 40, will keep her role as NBC's chief legal analyst. She's been at NBC since 2007, joining from Court TV. She covered Sarah Palin's campaign in 2008 and was NBC's White House correspondent from 2008 to 2011. A graduate of Georgetown Law School, Guthrie worked in television for most of her career except for two years of practicing law in Washington. She worked in local television news in Tucson, Ariz., and Columbia, Mo., in the 1990s.

On the job Friday, Guthrie displayed the versatility necessary for someone in morning TV. She helped analyze the Supreme Court's health care decision during the first hour, then spread red jam on toast an hour later for a segment on Fourth of July party decorations.

NBC News President Steve Capus praised Guthrie's "undeniable range" in announcing the appointment.

"She has a one-of-a-kind combination of sharp wit and approachability, and our viewers value her journalistic skills and legal background just as much as her humor and charm," said Jim Bell, "Today" show executive producer.

The "Today" show team appeared noticeably more comfortable Friday than during Curry's last week of broadcasts. Guthrie joked with Lauer following a story about David Beckham being left off the British soccer team because at 37, he's considered too old.

"He's still young enough to be in those underwear ads, though," she said. "There's a silver lining."

"Thanks for that," Lauer replied.

___

Online:

http://today.msnbc.msn.com/

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-06-29-TV-NBC-Guthrie/id-23da5ea4d2144efb8b7b824ea43868e8

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Android 4.1 Jelly Bean review: a look at what's changed in Google's mobile OS

Android 41 Jelly Bean review a look at what's changed in Google's mobile OS

Google's next iteration of Android wasn't quite the full-point release jump that many of you were perhaps anticipating. Rather than using Google I/O 2012 as the launching pad for Android 5.0, we're being formally introduced to v4.1 -- a mere 0.1 ahead of where Ice Cream Sandwich placed us around six months ago. Aside from grabbing a name change, the minor numerical bump also provides Jelly Bean the opportunity to usher in a few new features for Nexus owners to enjoy.

If you missed yesterday's keynote, Google revealed that Android 4.1 would arrive on Nexus devices in "mid-July," but there's no clear word on when partner companies will begin pushing it to their products. Moreover, pundits are quick to point out the legions of Android products that still haven't made the leap to 4.0, leaving us to wonder if those Froyo and Gingerbread laggards will simply take the fast track to 4.1 now that it's (almost) available. Care to see if the latest and greatest will live up to your expectations once it lands in a few weeks? Head on past the break as we discuss some of the larger changes that Jelly Bean has to offer.

Continue reading Android 4.1 Jelly Bean review: a look at what's changed in Google's mobile OS

Android 4.1 Jelly Bean review: a look at what's changed in Google's mobile OS originally appeared on Engadget on Thu, 28 Jun 2012 10:00:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/06/28/android-4-1-jelly-bean-review-a-look-at-whats-changed-in-googl/

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Friday, June 29, 2012

Katy Perry PARADE Photo Shoot Video

Twitter updates

Source: http://katy-perry.us/2012/06/katy-perry-parade-photo-shoot-video.php

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Mexico City Walking Tour

The main temple of the Aztecs was only part of a much larger sacred center of the great city of Tenochtitlan, which may have contained as many as 78 buildings. This temple was dedicated to the rain god, Tlaloc, and the god of war, Huitzilopochtli. The temple went through several phases of construction, each covering over previous layers in order to make the building bigger.

Excavation of the great temple began in 1978, when the stone sculpture of the moon goddess Coyolxauqui was unearthed by electric company workers. This piece and many others found here are on display in the Templo Mayor museum which was inaugurated in 1987.

You can see the ruins from the sidewalk, or pay the admission fee which allows access to the ruins and the museum. Read more about the Templo Mayor archaeological site and museum.

Source: http://gomexico.about.com/od/sights/ss/df_walking_3.htm

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Thursday, June 28, 2012

KuklasKorner : KK Hockey : Swedish Ref Going Home

NEW YORK (June 28, 2012) ? NHL referee Marcus Vinnerborg announced his retirement today, explaining that he and his family have decided to move back to their native country of Sweden.

?Two years ago I was given the opportunity by the NHL to live my dream of officiating professional hockey in North America. My family supported me and thoroughly enjoyed their experience living here,? said Vinnerborg. ?It was a difficult choice, but we have decided as a family to move back to Sweden. I would like to thank Terry Gregson and the NHL for the incredible experience. I return to Europe a more educated official having had the opportunity to work with all of my colleagues and supervisors at the NHL.?

The first European-trained NHL official, Vinnerborg?s premier assignment saw the Dallas Stars play host to the Anaheim Ducks at American Airlines Center on Nov. 16, 2010. He refereed 40 total NHL games, calling his final contest on April 1, 2012, when the Ducks faced the Edmonton Oilers at Honda Center.

?I?d like to thank Marcus for his service and willingness to come to North America,? said Terry Gregson, NHL Senior Vice President and Director of Officiating. ?We wish him and his family the best as they return to Sweden.?

Filed in: NHL Talk, NHL Officiating | KK Hockey | Permalink
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Technology Information

As the world has become increasingly interconnected by modern telecommunication and computer technologies, the concept of information has taken on new meaning and importance. Accordingly, new fields related to designing, using, and man aging systems that handle information have emerged.

As the world has become increasingly interconnected by modern telecommunication and computer technologies, the concept of information has taken on new meaning and importance. Accordingly, new fields related to designing, using, and man aging systems that handle information have emerged.

??????????? After decades of slowly expanding behind the scenes, information technology has suddenly exploded into public view and seems to be every where in the popular media. It is almost impossible to avoid media stories on such topics as the information superhighway, multimedia, or the Internet. These aspects of information technology are just a few of the thousands of ways in which information technology will affect the way we work, live and play .

??????????? Information technology has changed dramatically . Not? long ago, information was processed using electrical or mechanical devices such as typewriters, calculators, and telephones . Calculations made with a calculator had to be typed into a document . Documents then had to be hand carried to a copy machine . Mail could be sent only in printed form . Today , all these devices and procedures have been automated and many of their functions are controlled by built-in microprocessors, computer on chips automated and many of their functions are controlled by build-in microprocessors, computers on chips that give even ordinary devices extraordinary capabilities. But it is not just that individual machines have been improved. The most dramatic change is how all those old information modules are being connected by digital highways .Once information is created in any form, text sound , pictures, animations, or movies, it can be instantly distributed for changed to other forms in a variety of ways . Technology is advancing so rapidly that previously is orated fields such as television , phone , computers , and radio are all converging into a single field .

??????????? Even though we all use modern information technology, we may not necessary concern ourselves with the details of how these new technologies operate. These details are primarily the concern of professionals in technical areas, which we will refer to as the field of information engineering . An information engineering must understand first what information is and how to make it useful to people for example , by transforming it , storing it, or transmitting it.

INFORMATION? TECHNOLOGY

Information Technology , of IT , is the language of today ?s high ?tech world .
At one time , only very large companies might have a need for an IT department or expert . But in today?s information ?driven economy, all companies need someone who can keep their computer systems running smoothly and their technology working efficiently. Today?s IT workers are working an virtually every industry , including banking, telecommunications,? education , retail , law enforcement? and medical .

IT? (information technology ) is a term that encompasses all forms of technology used to create , store , exchange , and? use information in its various forms (business data, voice conversations , still images , motion pictures, multimedia presentations, and other forms , including those not yet conceived). It`s a convenient term for including both telephony and computer technology in the same word . It is the technology that is driving what has often been called ?the information revolution)?.

???????? Definition : IT ( Information Technology ) is a term that encompasses all forms of technology used to create , store , exchange , and use information in its various forms ( business data , voice conversations, still images , motion pictures, multi media presentations, and other forms including those not yet conceived). It`s a convenient term for including botha telephony and computer technology in the same word . It is the technology that is driving what has often been called ?the information revolution ?

IT (information Technology ) is the branch of technology devoted to

? The study and application of data and the processing thereof ; i.e.,the automatic acquisition ,storage ,manipulation ( including transformation ) , management , movement ,control , display ,switching , interchange,. Transmission or reception of data , and

?? The development and use of the hardware , software , firmware , and procedures associated with this processing .

????????? Information Technology means the use of hardware , software , services and supporting infrastructure to manage and deliver information using voice , data and video.

THE IMPORTANCE OF INFORMATION TECHNOLOGY

Is information technology ?, computer? literacy and access to information important in today?s society ? Looking at the facts and figures , the question is rhetorical beyond doubt.

Obviously ,the success in the information society demands computer literacy ,It is more or less impossible to complete and education let alone get and maintain a position on the job market without IT skills . Likewise , the ability to utilize information technology is important in most other aspects of life . Consider email for correspondence, home ? banking ,access to public services, access to library? services, e-commerce, access to traffic information , the ability to book theatre tickets and so on.

????? As such, information technology ,computer literacy and information access is important to everyone in information society , the visually impaired not excluded . In fact , these competencies may be even more important to people with a visual disability ,as discussed in more detail in subsequent sections. To some extend, IT competencies may eventually resolve some of the issues of underemployment and unemployment and unemployment amongst the visually disabled.

APPLICATIONS OF INFORMATION TECHNOLOGY

Computers are every where and business and industry are using them in a new ways unthought-of? of even a decade ago .we can list thousands of these modern uses . Were the power to computers ever shut off , business and industry would almost instantly grind to a halt. Without computers the modern corporation and industry would almost grind to a halt .Without computers, the modern corporation could not even exist . Computer have become so deeply embedded in information? processing and communications systems that almost no activity would be possible without them.

Computer in Business

  1. Transaction Processing : Most business activities involve transactions with suppliers, employees , or customers, Computer can make these transactions possible.
  2. Home ? based workers : Now that it is easy to connect at home to all of the computers at the office, more and people working at home .These telecommuters often work one or more days without the traditional commute .The same ability to communicate so easily makes home ?based business easier to start and operate.
  3. Desktop publishing : Producing finished business literature is one of the uses of the uses of computer in business .Using desktop publishing programs ,or even sophisticated word processing programs ,people can create sales letters , brochures? ,price lists, newsletters, and even book ?length manuals.
  4. Financial analysis: Financial analysis is perfumed throughout the company , from top management to down . People can analyze investments , sales , expenses markets and other aspects of the business using both number and graphs .

Computer in Industry

????????? Computers have had a major impact in industries where products are designed and? manufactured. Computer-Aided Design (CAD) is used to develop products. Computer Aided Manufacturing (CAM) is used to produce them .

  1. Product design : Designing complicated products con require the efforts of thousands of people working together . This teamwork is greatly enhanced through the use of computerized design.
  2. Factories: Factory floors are becoming increasingly populated by computers used for many purposes including inventory control and planning ane process control. Computers are also used to run robots that create, finish , assemble, and test products and their components .

Computer in the home

??? When your computer is connected to a CD-ROM drive , encyclopedia information movies and animation are instantly available. When computer is connected to phone line, we can visit other parts of the world.

Computer in Education

????? Computers have been used in schools since the first Apples were introduced in the 1970.However , their impact was limited then because there were not enough computers and educational computer programming was poor. As technology has advanced education software has become a major influence at all levels from? elementary schools to universities . The ability to connect computer and students together over a network such as the Internet opens up fantastic educational opportunities.

??? Computers are specially valuable for students with special needs .A computer?s voice recognition capabilities and its connection to the Internet make it possible for special education users to participate in learning experiences form which they may have previously been excluded.

Computer? in Entertainment

?????? Computer are used in entertainment to create? or enhance a production or performance. The tools have become so? sophisticated that it?s becoming impossible to? distinguish between the real and the artificial in film and photography .

Computer in science and Engineering

????? Powerful computers are used to simulate dynamic in the practice of science? and engineering.

  1. Medicine: Physicians use information technology? to understand the human body and to diagnose disorders .
  2. Satellites: Satellites commonly used in Information Technology .They simply relay signals from one pointy to another , eliminating the need for wires between two locations. They also broadcast TV and even Internet signals so they can be picked up by small dish antennas.

FUNCTIONS OF INFORMATION TECHNOLOGY

Information Technology can do at? least three things:

Information Technology can process raw data into useful information .

???? Example : Student data maintenance ? Every college or school has to maintain the data of all the students who are studying in the institution . The data may include reg. no ,name ,class , combination , fees and so? on . The stored can be processed into required information whenever the need arises.

Information Technology can recycle processed information and use it as data in another? processing step .

??? Already processed data can be combined with other information to increase its impact.

???? Payroll: Every organization will have to pay salary to its employees , to do this it will have to maintain the records of its employees . The records may contain information such as emp,no name ,address , basic pay , allowances and so on ,After processing meaningful information such as a pay slip may be generated .

Information Technology can package information? in a new form so it is easier to understand and , more attractive, or more useful

?? Billing System: Any shop dealing with products will have to maintain data about the products present in the shop . The data may include name of the item, weight ,price and so on .The organization of this data into a proper bill is the information , which is generated .

COMPONENTS OF INFORMATION TECHNOLOGY

Information Technology has the following major components:

  • Database
  • Front End Application
  • Network
  • Operating Systems

Data Base

? ????What is involved in storing and manipulating data using computers? First of all we require software to store the data . This software is called a data base Databases are an important component of Information Technology .Databases could fall into three major categories:

  • Flat files
  • Relation databases
  • Object oriented databases

??? Flat files databases were used in the 1970s and earlier years . In those days , there were no set industry standards to retrieve and manipulate data . Every body had written their own complicated programs in C language to read and modify data in flat files . Examples of? flat file databases are C databases , Fortran databases , and Pascal databases. In the 1980s relational databases emerged on the scene. The only difference between the flat files databases. The industry adopted the SQL ( Structured Query Language) as a standard language for querying and manipulating the data . Examples of relational databases are Oracle ,DB2 ,Informix and SQL Server .In the late 1990s , Object Oriented databases entered the I.T .market ,however they did not gain too much popularity since they were unable to beat the data integrity provided by relational databases .

Front ? End Application

???? Front ? end applications are another component of Information Technology .Storing the data and displaying it on the screen in a customized format are two different areas . The data is stored in databases .Employees of one department may want to use part of that data and perform some calculations on it ,while employees of some other department may want to use some other data stored in the same database. Each department of the company , for example ,would develop its own front-end applications to display data on the screen ,to perform some calculation on it and then store the new calculated data back to the database , to run some sports on the data . Members of the other department could run a front-end applications of their own to perform similar tasks. Therefore , we understand that each person or group of people can use different front end applications to display the data of their interest form the database and to perform some calculations on it .Different users could ?connect to one database using the same or different front ?end application .Front-end applications could be developed using tools or pure languages .Examples of front-end tools are Developer /2000,Visual Basic

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Texas man gets 40 years in stand-your-ground case

A man who claimed Texas' version of a stand-your-ground law allowed him to fatally shoot a neighbor after an argument about a noisy party was sentenced Wednesday to 40 years for murder.

Raul Rodriguez, 46, had faced up to life in prison for the 2010 killing of Kelly Danaher.

Rodriguez, a retired Houston-area firefighter, was angry about the noise coming from a birthday party at his neighbor's home. He went over and got into an argument with 36-year-old elementary school teacher Danaher and two other men at the party.

In a 22-minute video he recorded on the night of the shooting, Rodriguez can be heard telling a police dispatcher "my life is in danger now" and "these people are going to go try and kill me." He then said, "I'm standing my ground here," and fatally shot Danaher and wounded the other two men.

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Rodriguez's reference to standing his ground is similar to the claim made by George Zimmerman, a neighborhood watch volunteer who is citing Florida's stand-your-ground law in his defense in the fatal February shooting of an unarmed teenager, Trayvon Martin. Rodriguez's case, however, was decided under a different kind of self-defense doctrine.

Prosecutors called Rodriguez the aggressor who took a gun to complain about loud music and could have safely left his neighbor's driveway in Huffman, an unincorporated area about 30 miles northeast of Houston, any time before the shooting. Defense attorneys argued Rodriguez was defending himself when one of the men lunged at him and he had less than a second to respond.

At trial, prosecutors tried to show Rodriguez had a history of not getting along with Danaher and other neighbors.

One neighbor testified that Rodriguez, who had a concealed handgun license, bragged about his guns and told her a person could avoid prosecution in a shooting by telling authorities you were in fear of your life and were standing your ground and defending yourself. During the trial's punishment phase, neighbors, former co-workers and Rodriguez's ex-wife testified that Rodriguez was abusive, a bad neighbor and that he once shot a dog.

Rodriguez's attorneys did not present any witnesses before the jury convicted him on June 13. But during the punishment phase, they called more than a dozen witnesses, including his wife and sons. They and other family members testified that he was not abusive, always stressed the importance of gun safety and that he was not cavalier with his weapons. One son said Rodriguez shot the dog because it was attacking his family.

Texas' version of a stand-your-ground law is known as the Castle Doctrine. It was revised in 2007 to expand the right to use deadly force. The new version allows people to defend themselves in their homes, workplaces or vehicles. It also says a person using force cannot provoke the attacker or be involved in criminal activity at the time.

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Malaysia's Felda Global leaps 18 percent on debut

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What is secretly eating away at your 401k

The goal of investing in a 401k is to make money for your retirement, however, in a?volatile?market, losses taken can drastically impact your?nest egg. In addition to the risk of investments, if you?re using mutual funds in your 401k you could be paying?exorbitant?fees even when you lose money. CNN explains danger of hidden fees in mutual funds:

According to a recent?AARP survey, 71% of people with 401(k)s didn?t even know they were paying fees for their retirement accounts.

So how much do these fees really cost you?

The answer may shock you.?Fees can, on average, reduce your 401(k) balance by up to 30%, regardless of whether you have $1 or $1 million in your retirement account.

What are these fees, then, that are taking such a big bite out of your retirement account? There are four kinds: administrative fees, marketing fees (sometimes called 12-b1 fees), investment management fees and trading costs.

The first three types of fees are shown, as an aggregate total, in each mutual fund?s expense ratio, and are generally reported in your 401(k)?s ?summary documents? as a percentage of assets.

But the investment industry disagrees, arguing that such costs are justified because mutual fund expenses are regulated by the competition of the free market, and what consumers are paying is simply the cost of doing business.

The problem with this argument is that it?s not true.

Index funds, for example, have often outperformed actively managed mutual funds while charging a small fraction of the fees. But investing more in index funds will not come close to fixing the broken, expensive 401(k) system.

Continue to the full article?

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Wednesday, June 27, 2012

Possible outcomes in pending health care law case

WASHINGTON (AP) ? Saving its biggest case for last, the Supreme Court is expected to announce its verdict Thursday on President Barack Obama's health care law. The outcome is likely to be a factor in the presidential campaign and help define John Roberts' legacy as chief justice. But the court's ruling almost certainly will not be the last word on America's tangled efforts to address health care woes. The problems of high medical costs, widespread waste and tens of millions of people without insurance will require Congress and the president to keep looking for answers, whether or not the Affordable Care Act passes the test of constitutionality.

A look at potential outcomes:

___

Q: What if the Supreme Court upholds the law and finds Congress was within its authority to require most people to have health insurance or pay a penalty?

A: That would settle the legal argument, but not the political battle.

The clear winners if the law is upheld and allowed to take full effect would be uninsured people in the United States, estimated at more than 50 million.

Starting in 2014, most could get coverage through a mix of private insurance and Medicaid, a safety-net program. Republican-led states that have resisted creating health insurance markets under the law would have to scramble to comply, but the U.S. would get closer to other economically advanced countries that guarantee medical care for their citizens.

Republicans would keep trying to block the law. They will try to elect likely presidential candidate Mitt Romney, backed by a GOP House and Senate, and repeal the law, although their chances of repeal would seem to be diminished by the court's endorsement.

Obama would feel the glow of vindication for his hard-fought health overhaul, but it might not last long even if he's re-elected.

The nation still faces huge problems with health care costs, requiring major changes to Medicare that neither party has explained squarely to voters. Some backers of Obama's law acknowledge it was only a first installment: Get most people covered, then deal with the harder problem of costs.

___

Q: On the other hand, what if the court strikes down the entire law?

A: Many people would applaud, polls suggest.

Taking down the law would kill a costly new federal entitlement before it has a chance to take root and develop a clamoring constituency, but that still would leave the problems of high costs, waste and millions uninsured.

Some Republicans in Congress already are talking about passing anew the more popular pieces of the health law.

But the major GOP alternatives to Obama's law would not cover nearly as many uninsured, and it's unclear how much of a dent they would make in costs. Some liberals say Medicare-for-all, or government-run health insurance, will emerge as the only viable answer if Obama's public-private approach fails.

People with health insurance could lose some ground as well. Employers and insurance companies would have no obligation to keep providing popular new benefits such as preventive care with no copayments and coverage for young adults until age 26 on a parent's plan. Medicare recipients with high prescription drug costs could lose discounts averaging about $600.

___

Q: What happens if the court strikes down the individual insurance requirement, but leaves the rest of the Affordable Care Act in place?

A: Individuals would have no obligation to carry insurance, but insurers would remain bound by the law to accept applicants regardless of medical condition and limit what they charge their oldest and sickest customers.

Studies suggest premiums in the individual health insurance market would jump by 10 percent to 30 percent.

Experts debate whether or not that would trigger the collapse of the market for individuals and small businesses, or just make coverage even harder to afford than it is now. In any event, there would be risks to the health care system. Fewer people would sign up for coverage.

The insurance mandate was primarily a means to an end, a way to create a big pool of customers and allow premiums to remain affordable. Other forms of arm-twisting could be found, including limited enrollment periods and penalties for late sign-up, but such approaches probably would require congressional cooperation.

Unless there's a political deal to fix it, the complicated legislation would get more difficult to carry out. Congressional Republicans say they will keep pushing for repeal.

Without the mandate, millions of uninsured low-income people still would get coverage through the law's Medicaid expansion. The problem would be the 10 million to 15 million middle-class people expected to gain private insurance under the law. They would be eligible for federal subsidies, but premiums would get more expensive.

Taxes, Medicare cuts and penalties on employers not offering coverage would stay in place.

___

Q: What if the court strikes down the mandate and also invalidates the parts of the law that require insurance companies to cover people regardless of medical problems and that limit what they can charge older people?

A: Many fewer people would get covered, but the health insurance industry would avoid a dire financial hit.

Insurers could continue screening out people with a history of medical problems ? diabetes patients or cancer survivors, for example.

That would prevent a sudden jump in premiums. But it would leave consumers with no assurance that they can get health insurance when they need it, which is a major problem that the law was intended to fix.

Obama administration lawyers say the insurance requirement goes hand in hand with the coverage guarantee and cap on premiums, and they have asked the court to get rid of both if it finds the mandate to be unconstitutional.

One scenario sends shivers through the health care industry: The Supreme Court strikes down the mandate only, and delegates other courts to determine what else stays or goes.

___

Q: What happens if the court throws out only the expansion of the Medicaid program?

A: That would limit the law's impact severely because roughly half of the more than 30 million people expected to gain insurance under the law would get it through the expansion of Medicaid, the federal-state health insurance program for low-income people.

But a potentially sizable number of those low-income people still might be eligible for government-subsidized private insurance under other provisions. Private coverage is more expensive to subsidize than Medicaid.

States suing to overturn the federal law argue that the Medicaid expansion comes with so many strings attached it amounts to an unconstitutional power grab by Washington. The administration says the federal government will pay virtually all the cost and says the expansion is no different from ones that states have accepted in the past.

___

Q: What happens if the court decides that the constitutional challenge is premature?

A: The wild card, and least conclusive outcome in the case, probably also is the most unlikely, based on what justices said during oral arguments.

No justice seemed inclined to take this path, which involves the court's consideration of a technical issue.

The federal appeals court in Richmond, Va., held that the challenge to the insurance requirement has to wait until people start paying the penalty for not purchasing insurance. The appeals court said it was bound by the federal Anti-Injunction Act, which says federal courts may not hear challenges to taxes, or anything that looks like a tax, until after the taxes are paid.

So if the justices have trouble coming together on any of the other options they could simply punt.

The administration says it doesn't want this result. Yet such a decision would allow it to continue putting the law in place, postponing any challenge until more of the benefits are being received. On the other hand, it might give Republicans more ammunition to press for repeal in the meantime.

___

Online:

Supreme Court: http://tinyurl.com/3zukoc4

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Tuesday, June 26, 2012

The states cutting the most to school and cities

By Michael B. Sauter, Ashley C. Allen, Alexander E.M. Hess and Lisa A. Nelson, 24/7 Wall

??Funding from local governments? two biggest sources -- state aid and property taxes -- fell?for the first time since 1980, according to a report released this month by the Pew American Cities Project.?The decrease in funding from these two sources has forced many local areas to cut expenses significantly. Relying on the Pew report, 24/7 Wall St. identified eight states slashing local funding to cities, towns, counties and school districts.

24/7 Wall St.?s independent analysis of data from the Center on Budget and Policy Priorities and the U.S. Census Bureau indicates states that cut funding the most had budgets that were particularly hard hit during this period. Some suffered budget shortfalls that forced them to cut spending. Others experienced drops in tax revenue that prompted the same response.

Of the eight states with the highest cuts in local funding, four experienced among the steepest declines in tax revenue. Wyoming, which had the worst decline in tax revenue, fell a whopping 21.9 percent during the period.

Budget shortfalls were among the worst in many of these states. Arizona, California and Nevada, among the eight states cutting local budgets, had the first, second and third highest budget shortfalls as a percentage of their general fund. Arizona faced a 65 percent shortfall in 2010.

24/7 Wall St.: 10 states that cannot pay their bills

These budget shortfalls, according to Robert Zahradnik, research director for the Pew American Cities Project, forced states to make deep budget cuts, hitting local governments -- and their employees -- particularly hard. According to the report, the number of employees on local government payrolls fell in 45 states between 2008 and 2011.

In several of the states with the largest cuts to local governments, these declines were the most pronounced. California, Arizona and Nevada were among the 10 states with the largest drops in government employees per person. In Nevada, the number of government employees fell by 15.4 percent, the most in the country.

While police and fire departments and other areas of local budgets were hit hard as well, no area suffered more than school districts. Zahradnik?explained, ?about half of the reduction of?the local government jobs were in the education sector, and that?s not entirely surprising because that?s where the staff and the money are for the local government.? This is a notable departure from standard practice during a downturn in the economy. Usually, Zahradnik noted, local governments will leave education off the table because it is something the public wants to protect. In the great recession, however, there simply were no other options.

24/7 Wall St.: 8 things to do if you haven't planned for retirement

24/7 Wall St. identified the eight states with a 5 percent or greater decrease in state aid to cities, towns, counties, and school districts?between 2009 and 2010 based on state funding to regional governments and government employee data from the Pew American Cities Project report, ?The Local Squeeze: Falling Revenues and Growing Demand for Services Challenge Cities, Counties, and School Districts.? The report relies on the latest available Census Bureau information on state budgets. It also calculated the change in government workers between December 2008 and December 2011 using Bureau of Labor Statistics data on government employee figures, as well as population estimates, also from the Census Bureau.?Separately, 24/7 Wall St. obtained state budget shortfall data from the Center for Budget Policies and Priorities, as well as changes in tax revenue between 2009 and 2010 from the Census Bureau.

These are the eight states slashing local funding the most.

1) New Mexico

  • ?Percent decline in local funding:?10.4 percent
  • ?Actual decline local funding:?$498 million (9th largest)
  • ?State budget shortfall (2010):?18.2 percent (11th smallest)
  • ?Percent change in government?workers per capita:?-5.4 percent (16th largest decline)

Out of all states, New Mexico cut funding to its localities the most, reducing spending by more that 10 percent between 2009 and 2010. According to the Center on Budget and Policy Priorities, additional state cuts also resulted in fewer funds for higher education, the state workforce and services for the elderly and the disabled. The?Santa Fe New Mexican?writes that the Santa Fe School District endured the worst of its fiscal cuts in the 2009-2010 school year, when they were underfunded by about $11 million. After three consecutive years of deep budget cuts, New Mexico is now projecting a budget surplus of $250 million in 2012. NPR reports state leaders are debating whether to restore some services.

2) Wyoming

  • ?Percent decline in local funding:?9.5 percent
  • ?Actual decline local funding:?$185 million (19th largest)
  • ?State budget shortfall (2010):?1.8 percent (the smallest)
  • ?Percent change in government?workers per capita:?+2.5 percent (2nd largest increase)

Between 2009 and 2010, Wyoming?s local governments? revenue suffered from what Pew calls a ?one-two punch?: shrinking in both state aid and property taxes. According to Census State Government Finance data, state aid fell by $185 million, while tax revenues declined by 21.9 percent -- the highest proportional decline in the country. Belt-tightening measures were necessary for the state to avoid layoffs of government officials. According to the?Billings Gazette,?officials at the Natrona?County Detention Center were told that if they did not comply with budget cuts as high as 27 percent, they would be forced to lay off almost a third of their staff.

24/7 Wall St.: America's richest school districts

3) Virginia

  • ?Percent decline in local funding:?8.5 percent
  • ?Actual decline local funding:?$1 billion (4th largest)?
  • ?State budget shortfall (2010):?24.1 percent (20th largest)
  • ?Percent change in government workers per capita:?-4.7 percent (tied at 22nd largest decline)

In February 2010, Virginia Governor Bob McDonnell proposed a total of $2.3 billion in cuts in order to?balance the state budget without any increase in taxes. As a result of these cuts, the state of Virginia reduced transfers to its localities by more than $1 billion. The city of?Roanoke, which was forced?to raise taxes after the state?s budget was passed, responded to these cuts with particular frustration. Local officials in Roanoke denounced the state initiatives as indirect taxation, because they required municipalities to raise taxes to cover those funding cuts.

4) Minnesota

  • ?Percent decline in local funding:?8.2 percent
  • ?Actual decline local funding:?$928 million (5th largest)
  • ?State budget shortfall (2010):?22.7 percent (21st smallest)
  • ?Percent change in government?workers per capita:?-3.8 percent (24th smallest decline)

According to the Minnesota Budget Project, the inability of?the state to pay down its deficit in the 2010-2011 biennium?was caused?by a heavy reliance on one-time measures that failed to correct or reduce?long-run deficits. In 2011, the League of Minnesota Cities sued the state?s legislature and governor in order to continue receiving aid after a government shutdown that July.?The cities eventually agreed to accept a $138 million dollar cut in the funds to be received -- a reduction of about 19 percent.

Read the rest of States Slashing Local Funding at 24/7 Wall St.'s site

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AAA Mich.: Gas prices down 21 cents in past week

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Samsung pegs LTE Galaxy S III for South Korea in July, quad-core quite possibly intact

Samsung pegs LTE Galaxy S III for South Korea in July, quadcore quite possibly intact

Remember that dream version of the Galaxy S III that melded the Exynos 4 Quad, LTE-based 4G and 2GB of RAM all in one ultimate device? It now looks much closer to reality. Just as the 3G version is landing on the country's shores through SK Telecom, Samsung is sending word that the Korean LTE version is due in early July -- and Chosun claims it should have the best of all worlds in terms of performance. There should even be DMB TV tuning and a 500-title Video Hub for local movie lovers. We're anxious about just what that combination could do to battery life and the price, neither of which were mentioned up front. There may be good reasons why the US versions run on the dual-core Snapdragon S4, after all. Still, if the Korean LTE version doesn't have to make any sacrifices and is just a few weeks away from stores, it'll be hard not to turn a deep shade of green watching our friends in Seoul get what could easily be the better deal.

Samsung pegs LTE Galaxy S III for South Korea in July, quad-core quite possibly intact originally appeared on Engadget on Mon, 25 Jun 2012 00:49:00 EDT. Please see our terms for use of feeds.

Permalink   |  sourceSamsung Tomorrow (translated), Chosun (translated)  | Email this | Comments


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EA Sports NHL 13 Preview ? Hockey World Blog

EA Sports

EA Sports dominates the video game hockey world, bringing the action from the ice to the screen?sorta.

Gamers of EA Sports NHL 12 know the feeling when I bring up statement, ?stupid AI.? Of course, other language could be used. Many of times gamers have lost overtime games, or any game for that matter, because the AI defense doesn?t pressure the forward or that the goalie allows the same curve shot goal in over and over. Not sure who has been chirping in EA Sports ears, but they have heard the complaints. This year?s game looks to bring new features that will pack a punch.

EA Sports Hockey IQ: forget the old AI, this year you will need to play hockey the way it is meant to be played. The focus is on real-world hockey systems and strategies. Goalies anticipate plays to avoid easy one-timers, defenseman pick up the empty man, and teams now can play an offensive and defensive system. See the video here.

True Performance Skating:?NHL 12 could see a defenseman go as fast as the forwards, creating an unrealistic athleticism between the two players. Further, you could cut on a dime without losing the puck. Not anymore. In the NHL 13, those who make the first step gets the advantage. Also, cuts are more physics base, making you the player, having to balance speed and control. Check the video here.

Other features that have yet to be elaborated on are improved, more athletic goalies; improved GM control that allows players to?manage, play, or coach with and against friends in their own 30 team human controlled league as well as a mobile companion application; improved matchmaking in the EASHL; and more.

With all the great features, there are sure to still be some bugs that glitchers (QC) will surely find. Still, with improved goalies to better anticipate one-timers, defense that actually read the play accordingly, momentum that is more realistic to the game and now having the ability to play within a set system, the game should be that much more worth purchasing. I can see it now, a recreation of the Philadelphia Flyers out waiting the Tampa Bay Lightning?s 1-3-1 trap. Well, hopefully not, but at least teams can now implement a dump and chase strategy that may actually work.

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Twisted light could let you download 70 DVDs per second

An international team of researchers has developed a method of manipulating beams of to transmit information at astonishing speeds.

By InnovationNewsDaily Staff,?InnovationNewsDaily / June 25, 2012

Twisted light beams have opened the door for wireless communication 85,000 times faster than broadband Internet speeds. The breakthrough could allow NASA missions or military space satellites to exchange data at ultrahigh speeds.

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Lab tests have shown how twisted laser beams can?transmit data?at speeds up to 2.56 terabits per second ? roughly the equivalent of beaming 70 DVDs worth of data in a single second through free space. Such speed easily put broadband Internet's 30 megabits per second to shame.

"We didn't invent the twisting of light, but we took the concept and ramped it up to a terabit-per-second," said Alan Willner, electrical engineering professor at the University of Southern California in Los Angeles.

The international team hailing from the U.S., China, Pakistan and Israel used beam-twisting "phase holograms" that are able to twist light beams into a helical shape similar to that of DNA. Each beam's individual twist can effectively create the equivalent of a new data stream channel ? similar to a radio having separate channels ? without the need for more bandwidth.

The lab test beamed the data across open space rather than through fiber-optic cables, so that researchers could simulate space communication between satellites. Such testing had funding from the U.S. military's Defense Advance Research Projects Agency (DARPA) under its "Information in a Photon" program. [Secret Codes Ready to Take Quantum Leap in Space]

The twisted light concept remains limited to deep space missions or near-Earth satellite communication because of the Earth's atmospheric interference, but the technology of adaptive optics can help offset such interference to some degree. Such free-space beaming could also work over short distances on Earth.

But the concept could someday also boost data speeds over fiber-optic cables ? Boston University researchers have already tested the method in a fiber ring stretching 0.6 miles (1 kilometer).

Jian Wang, a professor at Huazhong University of Science and Technology in China, was lead author on the new research paper detailed in the June 24 issue of the journal?Nature Photonics.

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