Friday, July 13, 2012

Warming indicted for extreme weather

Climate change can explain some 2011 departures from the norm

Web edition : 1:24 pm

Texans sweltered through the hottest, driest spring and summer on record last year. Much of the blame can be attributed to a recurring climate pattern known as La Ni?a, which emerges every few years as surface waters chill in the eastern equatorial Pacific. But Earth?s steadily warming climate contributed as well, a new analysis concludes.

Since the 1960s, the likelihood of Texas seeing extremely hot, dry weather in a La Ni?a year has mushroomed 20-fold due to human-induced global warming, David Rupp of Oregon State University in Corvallis and his colleagues calculate.

They were among six international teams probing climate?s link to extreme events in late 2010 through 2011. The collected findings appear in the July Bulletin of the American Meteorological Society.

Severe food shortages, in places causing famine, gripped the Horn of Africa last year after drought left the land parched from winter 2010 through the following spring. La Ni?a played a role there, too. However, computer analyses of global climate conditions since 1979 find that a recent warming of surface waters in the Indian and Pacific Oceans can destabilize La Ni?a weather patterns. Chris Funk of the U.S. Geological Survey in Santa Barbara, Calif., concludes that these probably intensified 2011?s drought in East Africa.

Other teams pointed to global warming as a likely contributor to excessive heat in central Europe last summer and to unusually balmy temperatures in central England in November 2010. In the British case, that kind of heat could be expected to recur every 20 years now ? a 62-fold increase over the 1960s.

Yet global warming can?t be blamed for all monster weather. Unprecedented flooding that submerged large tracts of northern Thailand, including its capital, for up to two months last year resulted from rainfall intensity the region had encountered before. But water management practices and heavy industrialization of a flood plain slowed drainage last year.

?These new analyses are pioneering efforts to get near real-time assessments of climate?s role in extreme weather events, says climatologist Thomas Peterson of the National Climatic Data Center in Asheville, N.C.

For years, he says, climate scientists have argued that although global warming can increase the frequency of extreme weather, they couldn?t pin any particular event on human-caused climate change. That appears to be changing, Peterson and his colleagues argue in their introduction to the new report.

Using the developing field of ?attribution science,? researchers are beginning to apply massive computing capacity to explore how global temperatures, reflectivity and moisture patterns can affect the odds of localized extreme weather events.

In 2011, droughts beyond Africa and Texas brought billions of dollars in crop losses, says Jessica Blunden of the National Climatic Data Center. The North Atlantic saw above-average hurricane activity (19 named storms, well over the long-term average of 12), and seven separate U.S. tornado outbreaks each wreaked more than $1 billion in damage.

Polar regions racked up their own extremes, says Martin Jeffries of the University of Alaska Fairbanks, another report editor. Barrow, Alaska, sustained a record 86 consecutive days when the minimum air temperature failed to dip below freezing.

Understanding global warming?s role in extreme events extends well beyond blaming rights. Peterson notes that water managers may need to change policies if evidence begins pointing to persistent changes in the recurrence rates and lengths of droughts or the frequency of heavy rains. Right now, linking these events is difficult, usually works only for events lasting longer than a month, and takes a year to complete. Peterson?s team hopes to see the science mature to the point that assessments might be turned around more quickly and tackle events lasting mere days.


Found in: Earth and Environment

Source: http://www.sciencenews.org/view/generic/id/342195/title/Warming_indicted_for_extreme_weather

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7 Sites You Should Be Wasting Time On Right Now (PICTURES)

If all of this Sudeikis leaving and rape joke business has got you stressed out, maybe it's time to cool down with some lighter fare.

Luckily it's Wednesday, so we're back with seven more sites for you to sink your distraction-hungry teeth into.

As always, be sure to vote for your favorites, and let us know if you come across any awesome time wasters you think we should feature.

  • Animal Hugs

    There's no catch here. Just <a href="http://animalshugging.tumblr.com" target="_hplink">pure, unadulterated animal hugs</a>.

  • My Life Through Kristen Wiig

    A beautifully-curated <a href="http://mylifethroughkristenwiig.tumblr.com/" target="_hplink">collection</a> of Kristen Wiig GIFs for any life occasion.

  • Facemath

    Ever find yourself describing someone and ending up saying, "He's likeee... if Matthew McConaughey and that guy from 'Dawson's Creek' had a baby"? Well <a href="http://facemath.tumblr.com/" target="_hplink">Facemath</a> is a site that does the work for you. Celebrities who look like the hybrid spawn of other celebrities, we're onto you.

  • Having Fun Everywhere

    Friends Chelsea and Faith are exploring New York City together and documenting it on <a href="http://havingfuneverywhere.tumblr.com/" target="_hplink">their joint blog</a>. Their only goal? To have a ton of fun (see photos).

  • Underground New York Public Library

    Looking for a book recommendation? <a href="http://undergroundnewyorkpubliclibrary.com/" target="_hplink">This blogger</a> takes photos of people riding the New York City subways and records what they're reading. Godspeed!

  • News Cat GIFs

    Don't work in a newsroom? Allow <a href="http://newscatgif.tumblr.com/" target="_hplink">these cats</a> to show you what it's like.

  • The Whatever

    Sometimes all your afternoon needs is <a href="http://www.thewhatever.com/" target="_hplink">a funny pic and a good caption</a>.

  • Also On The Huffington Post

    Harvey, the Rottweiler, is the champion of the workshop's version of table tennis.

Contribute to this Story:

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Source: http://www.huffingtonpost.com/2012/07/11/7-sites-you-should-be-wasting-time-on_n_1665871.html

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Wednesday, July 11, 2012

The How To&#39;s of Product Creation | welcome to nwactc.net

Creating and selling products of your own is easy when you take advantage of the many options available. Below are some product creation tips to help you find your own level of success. What is too much for one business owner is super simple for another, and that exists for many reasons. If you are familiar with Traffic Blackbook and have been around the world of business on the net, then you should have a solid idea of what we are talking about. Obviously you need to have some working capital for outsourcing which a high percentage of new web businesses cannot afford. Even if you cannot afford outsourcing at the moment, you can plan for it or start on a limited basis. There is nothing more frustrating than learning the hard way, and we are talking about getting educated about any new marketing or business method, first. We know you want to grow your business and expand, but due diligence is simply common sense.

One of the biggest hurdles that people face when creating their own information product is the basic research material that will help them build a remarkable product. You can follow the path so many others have taken and check-out PD (public domain) archives. It contains all that work where the copyright has expired. Once that occurs, then you are free and able to use it and even sell it, and it?s legal to do so. The reason this information works well is because it has already proven to help the target market and was successful. It depends on the subject and the material, but there?s a good chance the utility of the content is still applicable and therefore valuable to you and your market. If you really want to make it uniquely yours, then revise and update the PD content for practical use. One approach used by many is to re-purpose or re-package the PD material for modern markets. The purpose of all of this is to show you how you can develop a product that is yours to market, and in addition to do that using a path that is valid and less time-consuming. If you can suspend any disbelief and take a serious look, then you?ll be awakened to the immense possibilities residing in public domain. If doing all the laborious research is not your favorite cup of tea, then this is a viable and excellent alternative for you.

A good option for creating new products is to collate various products for which you own the resale rights for and repackage them as a new product designed to appeal to your target audience. You?ll find there are successful Internet marketers who constantly search for only the best quality products that offer them master resale rights so they can use this opportunity in their own businesses. You have the advantage of not having to create a brand new product, yet you?re still able to offer good value for money products to your customers. The hard work of researching the niche is done for you, so you simply need to add a bit of a personal touch to complete the product. Collate the information from 2 or 3 three products and turn them into one new package. Work on adding your own unique touch to the finished package, so you don?t risk other marketers offering the same package for sale and you?ll see much greater success. If you are open to trying new marketing/advertising ideas, then seriously consider anything new you come across because new ideas are everywhere. If SEO Fight Back is something you have yet to try, then of course you should perform a small test, first, just to work out any bugs. Just how far do you want to take things online? That is always a valid and important question to ask. It is natural to want to have increased revenues and added security that comes with more business. Ask your self what you can do with this, and then seek to possibly integrate with any of your present campaigns. There are just so many different applications for old methods that are new, and that is due to the nature of the online environment.

Video products offering visual solutions rather than written solutions are also an excellent product creation opportunity. The amount of people online searching for visual presentations and videos instead of written material is increasing daily. These people find watching and listening to a video to be a better way of receiving that information over reading written text. Videos offer greater perceived value in the minds of customers over written products. It?s possible that some people find learning easier when given a video presentation with actual examples. For instance, rather than try to explain a recipe in words, you can show your technique directly using a video for a clearer understanding. This gives you more freedom to create videos to sell as your information products rather than just ebooks. We have only discussed three aspects on thesocialcommissions.com in your web business, and to be sure there is much more to the story you need to learn on your own. Your overall frame of mind and perspective you bring to your internet business will play a major role. Pay attention to what you think, and if you are objective you will get a sense about whether your thoughts are positive or not. Other general categories of business owners are those who just want to stay in the game, and then there are those who strive to take over their market. There is so much available to you from the standpoint of learning how to up your mental game. Options; we all have them whether you choose to believe that or not.

Overall, if you?re focused in what you?re doing, you should find product creation can be easy.

Source: http://www.nwactc.net/the-how-tos-of-product-creation/

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Monday, July 9, 2012

'Spider-Man' spins up $341.2M worldwide

By Pamela McClintock, The Hollywood Reporter

Jaimie Trueblood / Sony Pictures

Andrew Garfield is "The Amazing Spider-Man."

Marc Webb's?"Amazing Spider-Man" spun a strong enough web in its worldwide debut to ensure a new future for Sony's marquee franchise, including a six-day domestic opening of $140 million.

Worldwide, the 3D reboot has earned $341.2 million in its first week, including $201.6 million internationally.

"Amazing Spider-Man" topped the international chart over the weekend with $129.1 million, followed by 20th Century Fox's "Ice Age: Continental Drift," which earned $80.6 million in its second weekend play for an outstanding foreign cume of $198 million (the 3D toon opens July 13 in North America).

Domestically, "Amazing Spider-Man" -- headlining Andrew Garfield and Emma Stone -- turned in the best performance for the July 4th frame outside of the three "Transformers" pics, "Twilight Saga: Eclipse" and "Spider-Man 2." And among reboots, it easily bested the $79.5 million earned by "Batman Begins" in its first six days, including a three-day opening of $48.7 million.

Photos from THR: How Peter Parker became a billion-dollar franchise?

Opening Tuesday in North America, "Amazing Spider-Man" grossed $65 for the weekend itself, the third best three-day number of summer outside of "The Avengers"?and "Brave." "Amazing Spider-Man" was up 15 percent from Friday to Saturday, indicating that the event pic is playing like a family film.

Overall, 75 percent of the audience were general movigoers ages 12 and up, while 25 percent were familes. "Amazing Spider-Man"?skewed male (58 percent), while 65 percent of children were boys. The pic received an overall A- CinemaScore, and an A among moviegoers under the age of 25.

"What a spectacular relaunch," Sony worldwide president of distribution Rory Bruer said. "There are so many facets of this movie that are compelling, including the chemistry between Andrew and Emma and the out-of-the-box direction of Marc Webb."

Imax locations turned in a hefty $14.3 million, 10 percent of the domestic total. Imax should finish the weekend with a global "Spider-Man" gross north of $24 million.

Photos from THR: Andrew Garfield and Emma Stone swing into action on the red carpet

With "Amazing Spider-Man" taking up much of the oxygen at the multiplex, the weekend brought mixed results for new entries
"Savages," ?Oliver Stone's R-rated crime drama, and concert documentary "Katy Perry: Part of Me."

"Savages" did better than anticipated, grossing $16.2 million to come in No. 4 behind "Amazing Spider-Man," "Ted" and Pixar/Disney's "Brave."

"I think the picture performed beyond indstury's expectations in a marketplace where there are a lot of choices," Universal president of domestic distribution Nikki Rocco said.

Other box office observers say?"Savages" may have ended up competing with fellow Universal pic "Ted" for adults, even though they are very different movies.

"Ted," financed by Media Rights Capital and directed by "Family Guy" creator Seth MacFarlane, has blossomed into the comedy hit of the summer, falling only 40 percent in its second weekend to $32.6 million for a 10-day domestic cume of $120.2 million.

Overseas, "Ted"?soared this weekend in Australia and Taiwan, grossing $13.1 million.

"Savages"?earned a C+ CinemaScore, likely due to its surprise ending. The pic skewed slightly female (51 percent), while 61 percent of the audience was over the age of 60.

More from THR: 'Savages' star Blake Lively describes 'awkward' sex scene

Universal was so keen on "Savages," based on Don Winslow's best-selling novel, that it moved the film from September to this weekend hoping to woo adults. The pic marks Stone's return to more violent fare and stars Taylor Kitsch, Blake Lively, Aaron Johnson, John Travolta, Benicio Del Toro and Salma Hayek.

Universal and Relativity Media partnered to co-finance "Savages," ?which cost $45 million to produce.

Paramount Insurge's "Part of Me" posted a four-day debut of $10.3 million after opening on Thursday; for the weekend proper, the film earned $7.2 million to place No. 8.

Either way, that's substantially lower than the openings for two other concert docs: fellow Insurge pic "Justin Bieber: Never Say Never" ($29.4 million last year) and Disney's "Hannah Montana: Best of Both Worlds Concert Tour" ($31.1 million in 2008), though those films debuted outside of summer.

Paramount is on solid ground financially, though, since "Part of Me" only cost $12 million to produce.

"We were the best-reviewed new movie of the weekend, so we feel confident that the film will continue to find an audience," Paramount president of domestic marketing and distribution Megan Colligan said.

"Part of Me" also received a glowing A CinemaScore, which should help spread good word of mouth, particularly as moms and younger girls become available. More than 80 percent of the audience turning out for "Part of Me" were females, while 72 percent were under the age of 25.

Photos from THR: Katy Perry: Pop's candy-colored princess

Among holdovers, "Brave"?grossed a strong $20.2 million in its third weekend for a domestic cume of $174.5 million and $211.1 million worldwide. On Sunday -- thanks to "Brave" and "The Avengers" -- Disney becomes the first studio this year to cross the $1 billion mark in domestic grosses.

Steven Soderbergh's male striptease dramedy?"Magic Mike" fell 60 percent in its weekend to an estimated $15.6 million for a stellar domestic cume of $72.8 million.

At the specialty box office, both "Moonrise Kingdom" and "To Rome With Love"?made a strong showing, coming in No. 9 and No. 10, respectively.

Woody Allen's?"To Rome With Love" landed on the top 10 chart in only its third weekend. Expanding into a total of 806 theaters nationwide, the Sony Pictures Classics' film grossed $3.5 million for a cume of $5.3 million.

Focus Features' "Moonrise Kingdom," from Wes Anderson, is an indie hit, grossing $4.6 million in its seventh weekend for a cume of $26.9 million.

Fox Searchlight's critically acclaimed?"Beasts of the Southern Wild" grossed $375,587 as it expanded into a total of 19 theaters in its second weekend, grossing $375,587 for a location average of $19,768 and cume of $745,376.

Which movie did you see this weekend? Tell us on Facebook!

Related content:

Source: http://entertainment.msnbc.msn.com/_news/2012/07/08/12627094-amazing-spider-man-spins-up-3412-million-worldwide-in-first-week?lite

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Sunday, July 8, 2012

What is the Penalty for Cashing Out a 401k? | Real Estate ...

What is the Penalty for Cashing Out a 401k?

What is the Penalty for Cashing Out a 401k

A 401k is one of the best ways to save for a retirement. The start of the 1980s saw the birth of this helpful monetary contribution fund. These accounts have become so popular that millions of Americans are now using them to plan out their future. While these plans are useful, there are some drawbacks when you want to cash out your accumulated funds. You should understand what is the penalty for cashing out a 401k before you take a distribution. Many account holders have to learn the hard way about early distribution fees.?

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Penalty for Cashing Out a 401K

Congress enacted the section 401k in 1978 and deemed these accounts strictly be used for retirement savings. An age limit was put into law that specifies the earliest age you can start withdrawing your money. Since some retirement begins at age 62, arriving at the age of 59? will generally allow you to take money without penalty. The current penalty is 10 percent of your account balance. For someone that has saved for extended periods of time, this penalty can be a costly reminder of the price of a federally regulated account.

The average person is eligible to receive employer contributions to a 401k account. This matching system can grow an account quickly. Many real estate investors cash out a 401k to get started buying property. While it is perfectly normal to cash out these accounts, doing so at the right time and understanding tax implications is always best. A self-directed 401k account can be used to invest in things like real estate and allow you to have control instead of a separate trustee.?

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Tax-Free Growth and Real Estate

A 401k does have tax benefits and buying real estate with a 401k does help. Since a 401k is allowed to grow tax-free, the average earner can quickly accumulate enough money to buy a first investment property without wiping out an entire account. The price of investment property has fallen considerably in the past 5 years. Homes that used to be $100,000 are hovering around the $69,000 range.

With real estate getting upwards of 15 percent a year or higher returns, investing in property has become one way that investors and those retiring soon can quickly grow wealth. Using a 401k before age?59? is not impossible and mixing a distribution with other sources of funding like cash or financing can help you buy a turnkey investment property quickly.

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Source: http://www.jacksonvillewealthbuilders.com/what-is-the-penalty-for-cashing-out-a-401k/

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Basics Of Structured Settlement And Annuities | personal finance ...

Often it is a combination of structured settlement and annuities that are granted to a claimant by a personal injury court. These two are combined in order to ensure long term financial stability of the claimant. The claimants often insist on structured settlement and annuities to be combined into one even if they reach a deal outside the court. The major benefit of this arrangement is the long-term financial satisfaction. An insurance company takes over the responsibility of providing regular payments over a set period of time and claimants remain free of future financial condition of the defendants.

How it works?

A structured settlement and annuities package works in a simple manner. Once a judge grants the decision in claimant?s favor, he or she is approached by the defendants? lawyers. Negotiations ensue and a deal is reached once both parties agree to its contents. Under this deal, the defendants agree to pay the compensation and the plaintiffs concede to an annuity plan. An insurance company is brought into the deal where the defendants pay for the annuity plan in name of the claimant. The duration of this plan could be anywhere from a year to life time of the claimant. The insurance company thus becomes responsible for offering regular payments to claimants after every month, quarter, six months, or a year.

Things to look for

If you are signing an agreement for structured settlement and annuities then it is necessary to look at its core features. The first thing to observe is the total amount on offer. It is possible that the defendants offer less money than what was ordained under the court ruling. You can take them to court in case of any major violations of the agreement. It is also possible to meet with your lawyer and set a new payment plan. Whether you are receiving lump sum payment or annuity plans, it is important that the total worth of compensation remains the same.

The nature of injuries will determine the duration of the plan with people suffering from debilitating illnesses will most likely receive a life-long insurance cover. Discount and premium rates, additional charges, processing fees, and other overheads are often taken from the claimant?s account. You will need to pay some of these charges but it is important to look for any extra expenses being added to your payment receipts. You should not pay anything unless you have ensured that it has no strings attached.

Sales

It is possible to sell structured settlement and annuities before their maturity. This can be done by contacting an investor or insurance company that is eager to buy these plans and offers the best rates. You will not receive 100% value of the settlement plan in the sale but it is possible to receive as much as 95%. This calls for tough negotiations with the buyers where you convince them to forgo some of the charges. You will receive a lump sum payment after the sale that you can use for other expenditures or medical treatment.

About the Author

Darren is a financial planner who specializes in assisting individuals and families with their current financial goals and retirement planning. Specializing in annuities but also REIT?s, Darren is also familiar with life insurance planning. He enjoys writing articles on various aspects of financial planning and what you can do to protect your net worth. You can check out his latest articles on Sell Structured Insurance Settlement tips and how to negotiate a Structured Settlement Annuity so you will know how to benefit the most for long term financial security.

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Source: http://www.mosley2010.com/archives/502

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