রবিবার, ৩ ফেব্রুয়ারি, ২০১৩

5 Business Insurance Resolutions for 2013 - texas associates blog ...

January is always a month for resolutions. It?s a time when we all swear to ourselves that we?ll make improvements in our lives. And we usually achieve that change in January. The problems arise in February and March.?Business owners?often treat insurance in the same way. It?s vital at renewal time, and then it drifts into the background.

But business insurance should always be at the forefront of your thinking, because your business? survival may rely on it one day. Here are five resolutions every business owner should make to ensure their business remains secure in 2013.

Talk About More than Business Insurance

A common trap a lot of business owners fall into when they talk to their agent is they focus on business insurance. They want to know about coverage, exclusions and deductibles and aren?t interested in discussing their wider business. When you deal with?your agent, you should tell them about your business as a whole. Talk about your goals and your strategy; that will give them more opportunities to assess risk and identify areas for improvement.

Focus on Risk not Premiums

With that in mind, it?s also important that you focus your?business insurance?conversations on risk. Reducing your insurance premiums will save you money, but it won?t protect you if you encounter an unexpected risk. In 2013, make sure you treat insurance as a part of the risk management process, not the target. That?s the way your agent will see it.

Beware Emerging Risks

It?s also important that you remain vigilant throughout the year. New risks emerge all the time and they won?t wait until your next renewal or your next meeting with your agent. You can?t afford to stop thinking about?risk.

Keep Monitoring Risk Procedure

And it?s not just new risks that can catch you out. Current risk management procedure needs to remain in place. Too often business owners sign off on?business insurance?portfolios and risk strategy and then put it aside. For risk management to be effective, it needs to be monitored. All it takes is one employee or department to stop enforcing it for the whole system to fail.

Train and Update Constantly

As well as monitoring your risk procedures, you need to keep your staff up to date on them. That means regular training and refresher courses. It?s your responsibility to ensure your employees have the required knowledge and skills to do their jobs, that includes managing risk.

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Source: http://txassocblog.wordpress.com/2013/02/01/5-business-insurance-resolutions-for-2013/

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US gains 157K jobs; jobless rate rises to 7.9 pct.

In this Tuesday, Jan. 22, 2013 photo, job seekers fill a room at the job fair in Sunrise, Fla. U.S. employers added 157,000 jobs in January, and hiring was much stronger at the end of 2012 than previously thought, providing reassurance that the job market held steady even as economic growth stalled, according to Labor Department reports, Friday, Feb. 1, 2013. (AP Photo/J Pat Carter)

In this Tuesday, Jan. 22, 2013 photo, job seekers fill a room at the job fair in Sunrise, Fla. U.S. employers added 157,000 jobs in January, and hiring was much stronger at the end of 2012 than previously thought, providing reassurance that the job market held steady even as economic growth stalled, according to Labor Department reports, Friday, Feb. 1, 2013. (AP Photo/J Pat Carter)

In this Tuesday, Jan. 22, 2013 photo, Fernando Rames answers questions on a job application at the job fair in Sunrise, Fla. U.S. employers added 157,000 jobs in January, and hiring was much stronger at the end of 2012 than previously thought, providing reassurance that the job market held steady even as economic growth stalled, according to Labor Department reports, Friday, Feb. 1, 2013. (AP Photo/J Pat Carter)

(AP) ? The U.S. job market is proving sturdier than expected at a time when the economy is under pressure from Washington gridlock and the threat of government spending cuts.

Employers added 157,000 jobs in January, and hiring was much stronger at the end of last year than the government had previously estimated.

The Labor Department's estimated job gains for the final two months of 2012 ? a period when the economy was being threatened by the fiscal cliff ? rose from 161,000 to 247,000 for November and from 155,000 to 196,000 for December.

The mostly encouraging jobs report Friday included one negative sign: The unemployment rate rose to 7.9 percent from 7.8 percent in December. The rate is calculated from a survey of households, and more people in that survey said they were unemployed.

The monthly job gains are derived from a separate survey of employers.

The hiring picture over the past two years also looked stronger after the department's annual revisions. The revisions showed that employers added an average of roughly 180,000 jobs a month in 2012 and 2011. That was up from previous estimates of about 150,000.

"The significantly stronger payroll gains tell us the economy has a lot more momentum than what we had thought," Joseph LaVorgna, chief U.S. economist at Deutsche Bank, said in a research note.

Stocks surged immediately after trading began at 9:30 a.m. Eastern time, an hour after the jobs report was released. The Dow Jones industrial average jumped 130 points and briefly touched 14,000 for the first time in more than five years, before falling back.

Other economic news Friday contributed to the stock rally. Manufacturing expanded at a much faster pace in January compared with December, a private survey found. Ford, Chrysler and General Motors all reported double-digit sales gains for January. And construction spending rose in December at a healthy pace.

The employment report revealed a notable shift in the job market: More hiring by construction companies. They added 28,000 jobs in January and nearly 100,000 over the past four months. Those job gains are consistent with a rebound in home construction and a broader recovery in housing.

Retailers added 33,000 positions. Health care gained 23,000 jobs. Manufacturers reported a small increase of 4,000. Restaurants and hotels added 17,000.

The solid hiring in retail, construction, restaurants and hotels suggested that such companies expect consumer spending to hold up in coming months.

"The strong and steady job gains from retail trade and construction look a lot more like a normal economic expansion," said Scott Anderson, chief economist at Bank of the West. "This is a sign that consumer spending is playing a far more important role in this expansion than it has so far."

The job market has remained steady despite pressure on the economy from the rift between President Barack Obama and Republicans over taxes and spending. Across-the-board spending cuts are set to kick in March 1. Financing to run the government will expire by March 27, raising the threat of a government shutdown. And the federal borrowing cap must be raised by May 18 or the government could default on its debt.

Friday's jobs report showed that average hourly wages rose 4 cents to $23.78 and have risen an encouraging 2.1 percent in the past 12 months. That's slightly above the inflation rate, which was 1.7 percent.

Last month's hiring should cushion the impact of the higher Social Security taxes that most consumers are paying this year. And it would help the economy resume growing after it shrank at an annual rate of 0.1 percent in the October-December quarter.

Higher Social Security taxes are reducing take-home pay for most Americans. A person earning $50,000 a year will have about $1,000 less to spend in 2013. A household with two high-paid workers will have up to $4,500 less. Taxes rose after a 2 percent cut, in place for two years, expired Jan. 1.

Analysts expect the Social Security tax increase to shave about a half-point off economic growth in 2013, since consumers drive about 70 percent of economic activity.

The hit to consumers is coming at a precarious moment for the economy. It contracted in the fourth quarter for the first time in 3? years. The decline was driven largely by a steep cut in defense spending and a drop in exports. Analysts generally think those factors will prove temporary and that the economy will resume growing.

Still, the contraction last quarter points to what are likely to be key challenges for the economy this year: the prospect of sharp government spending cuts and uncertainty over whether Congress will agree to raise the federal borrowing cap.

Most analysts predict that the economy will grow again in the January-March quarter, though likely at a lackluster annual rate of around 1 percent. They expect the economy to expand about 2 percent for the full year.

Two key drivers of growth improved last quarter: Consumer spending increased at a faster pace. And businesses invested more in equipment and software.

In addition, homebuilders are stepping up construction to meet rising demand. That could generate even more construction jobs.

And home prices are rising steadily. That tends to make Americans feel wealthier and more likely to spend. Housing could add as much as 1 percentage point to economic growth this year, some economists estimate.

Auto sales reached their highest level in five years in 2012 and are expected to keep growing this year. That's boosting production and hiring at U.S. automakers and their suppliers.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-02-01-Economy/id-a41a393f800042ce8e9c2e53031ca430

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শনিবার, ২ ফেব্রুয়ারি, ২০১৩

Arizona lawmakers struggle to stay on priorities

PHOENIX (AP) -- One Republican proposal would ban state enforcement of federal gun laws.

Another would require that hospitals check the citizenship of anyone treated in an emergency room.

Still another would call for students to pledge loyalty oaths to the Constitution before high school graduation.

It's early on in the Arizona legislative session, but so far the proposals described by one top Republican as "esoteric" and criticized by Democrats as unconstitutional have dominated the headlines ? despite promises from GOP leaders to focus on top-tier issues such as balancing the state budget and improving education.

It comes as Republicans nationally try to rebrand the party, highlighted by Louisiana Gov. Bobby Jindal calling on his GOP colleagues to "stop being the stupid party" and focus on issues that matter to more Americans.

In Arizona, bills like those being pushed early this session often make headlines but often don't get far in the legislative process.

Together with proposals that would block a plan championed by Republican Gov. Jan Brewer to expand Medicaid under President Barack Obama's Affordable Care Act, the measures from some Republicans have prompted criticism that they aren't focused on important issues. Republicans hold majorities in both chambers, and Democrats say their rivals are more interested in running headfirst into confrontations with the federal government and pushing their conservative agenda.

It remains to be seen how much time lawmakers will devote toward such plans.

"You're always going to have members that introduce legislation that is very partisan, very divisive, very polarizing," said Democratic Sen. Steve Gallardo. "The question is: Will they, the president and the speaker, let these bills move through the process?"

Senate President Andy Biggs and House Speaker Andy Tobin are tasked with determining whether proposals advance to a full legislative debate. Both said before the session they didn't expect to spend much time on hot-topic bills like immigration that had dominated the Legislature in recent years.

Biggs said Monday he would assign each bill introduced in his chamber to a committee, where the measures could die or change significantly before reaching his desk, at which point he could decide either to spike a plan or bring it to the full Senate for consideration.

He said he didn't think any of the bills would become distractions, saying that he expects such measures from a citizen legislature that represents views of constituents in their districts.

"I wouldn't call them fringe bills. I would call them esoteric bills," he said with a slight smile. "I would call them bills born of passion."

During the first weeks of any legislative session hundreds of bills are introduced, many of which go nowhere. Often, Democratic bills in the GOP-controlled Legislature meet such a fate. Republican-sponsored bills, however, have a better chance of advancing ? even when critics say they're unconstitutional.

Rep. Bob Thorpe, a freshman tea party Republican from Flagstaff, was one of five House members who signed on to the bill that would make it a felony for a state official to enforce any new federal firearms law or regulations that tried to enforce an assault weapons ban or limit the size of ammunition magazines. It also would make it a felony for a federal official to enforce such a law.

Should the bill become law, it would surely set up a fight with Washington officials, who could argue that under the U.S. Constitution federal law trumps state law.

Thorpe and fellow opponents of gun control legislation, such as Rep. Carl Seel and Sen. Don Shooter, don't see it that way. They say they're trying to protect Second Amendment rights.

"I think it would hold up in court," Seel said. "What the bill does is clearly say that if some federal regulator comes into this state and tries to enforce, in essence, a law that is unconstitutional and infringes on a citizen's right to bear arms, it's patently unconstitutional."

"When the federal government oversteps its boundaries," Thorpe said. "I truly believe that things like nullification, for example, can be used at the state level to nullify laws that we feel are unconstitutional."

A companion bill passed a Senate committee Wednesday after a sharp exchange between Shooter, the bill's co-sponsor, and a Democratic lawmaker who called the proposal a waste of time and questioned how it could be enforced.

Shooter defended the plan by saying, "The country is called the 'United States.' It's not called the 'federal government.' The states are sovereign."

Democratic Sen. Anna Tovar, the minority whip, laughed when she thought about the flurry of conservative bills, and singled out the gun proposal as a distraction.

"It would be non-enforceable, I would assume, because federal laws would supersede," she said. "This bill adds fuel to the fire. It scares people. It makes people nervous. And it doesn't tackle the issue. Not to mention it's a waste of taxpayer money,"

House Speaker Andy Tobin wouldn't say whether he'd back the bill.

"I don't know if it's unconstitutional," he said. "But I think at the end of the day it's probably worth having a conversation over a president that issues executive orders" affecting gun ownership.

Tobin's comment referenced a belief among gun rights opponents that President Barack Obama would use his authority to try to ban some weapons.

A series of executive orders Obama issued Jan. 16 did not seek to ban guns or ammunition. The president mainly addressed health care rules, school safety, gun tracing and background checks. Obama's proposals that would outlaw new assault rifle sales and limit the size of ammunition magazines require congressional action.

Thorpe also filed a bill that would require high school seniors to swear a constitutional oath before they could graduate, setting off a flurry of criticism that led him to back off and say he would make the oath voluntary.

"The whole purpose of that bill is not to get some standard of loyalty from an individual," Thorpe said. "It was really to hopefully encourage our high school students to take an active interest in what our Constitution is."

He addressed those who might see a contradiction in his actions, on one hand setting up a federal fight and on the other seeking to require that students swear allegiance to the federal government. Thorpe says those who perceive inconsistency misunderstand his thinking. He says he is a constitutionalist, who seeks to uphold its principles.

Thorpe, Seel and Rep. Steve Smith are also sponsoring the bill requiring hospitals to check the citizenship status of people seeking treatment. Smith also has sponsored a proposal that would require school districts to collect information on students' immigration status.

Smith said the hospital bill is intended only to count the number of illegal aliens seeking care.

"It doesn't deport. It doesn't deny care. It doesn't do anything other than put a number on the problem," Smith said.

Versions of both bills have been rejected the last two years.

Gallardo said he understands policy differences, but laws like Smith's just make him shake his head.

"If those bills start moving through the process, the Legislature is no longer focusing on school safety, on education, on Medicaid expansion, on the budget," he said. "We're now focused on these polarizing bills that do nothing but cause chaos."

Source: http://news.yahoo.com/arizona-lawmakers-struggle-stay-priorities-132145440.html

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Secret Service director to step down (Washington Bureau)

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Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/282095173?client_source=feed&format=rss

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Open Relationships: Broaching The Forbidden Topic [EXPERT ...

come in we're open sign
Open for business!

Six tips to help you and your partner redefine the terms of your relationship.

Asking a current partner to change the rules of the relationship can be scary. If you love your partner and want to stay in a relationship with him, shaking things up can feel incredibly fragile and remind you of what you stand to lose.

More from YourTango: Preparing For A Sexy Old Age Start Now! [EXPERT]

If you are thinking about an open relationship, spend some time asking yourself questions and gaining clarity on what it is you want, why you want it and what you are willing to compromise. (For help with this self-exploration, see my earlier article,?Is An Open Relationship Right For You.)

Once you know what you want, approach your partner and discuss making changes to your relationship agreements. Here are some tips ? pulled from couples I have seen in the therapy room ? for those early conversations.

1. Find a time when you feel close, strong and relaxed. Thinking about opening your relationship to new partners will feel risky, so start the conversation from a solid foundation. Be sure you will have time and privacy, that you both have had recent clear reminders of why your relationship is healthy and strong, and there are no other major life stressors drawing energy.

If you have recently had a breach of trust, communication has been painful or you are not enjoying spending time together, this is probably not a good time to explore opening your relationship. Rather, focus on strengthening what you have together so that you have a good base for adventures later.

2. Be prepared to hear "no." Remember, if you come to this with only one acceptable outcome in mind, it is less a conversation than an ultimatum. You may be very excited about this possibility, but try as best you can to actually approach your partner with curiosity. Your first conversations should be to explore the idea together, not to try and convince him.

Ask questions. What does he imagine an open relationship looks like? What would scare him about it? What excites him? What would it require you to change? If your partner doesn't feel pressured or manipulated, it is more likely you will be able to revisit the topic again.

3. Tell your partner how he is special to you. In thinking about adding new partners in to a relationship dynamic, it is natural for your current partner to wonder, Am I being replaced? Am I lacking in some way or not enough for you? Will you treat me just the same as you treat other partners? Come to the conversation able to speak to what is unique about your relationship with your current partner, what you appreciate about him, and how you see him as being different than other partners. How will you prioritize your partner? How do you see his role in your life as special?

More from YourTango: Is An Open Relationship Right For You? [EXPERT]

4. Talk about time management and priorities. The truth is having more than one romantic or sexual partner requires more time. If your partner already feels squeezed into your life ? or both of you are barely getting through your weeks requirements as it is ? you will need to think about what is realistic. What are you going to give up doing so that you have time to spend with new people? What is going to take priority? Keep reading ...

More relationship advice from YourTango:

Source: http://www.yourtango.com/experts/melissa-fritchle/considering-open-relationship-how-talk-your-partner-e

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Unique photography rig captures snowflakes in mid-flight

They say no two snowflakes look the same ? well, scientists at the University of Utah aren't going to take that for granted. They've devised a photography rig that can take detailed photos and measurements of thousands of snowflakes in a single night.

It's called the Multi-Angle Snowflake Camera, and it's just what it sounds like. Three cameras are arrayed around an infrared sensor that detects the presence of a snowflake and tells the cameras to fire. By lighting the snowflake carefully and using a super-short exposure (1/25,000th of a second), they can get tack-sharp images of snowflakes on the fly.

The system is so efficient that it can take tens ofthousands of shots in a single night. While that may be too many to browse through for fun, it's a huge benefit to researchers. Meteorologists only have a partial understanding of snowflakes ? their size, density, shape, fall speed, things like that ? because, naturally enough, they tend to melt before anyone can get a good look at them.

MASC is the project of University of Utah atmospheric scientist Tim Garrett, and the setup has been spun off as a separate company, Fallgatter Technologies. Right now, the company's device is documenting snowflakes at Utah's famous Alta ski area.

Scientists in the 1970s also measured snowflakes, but it was by hand, which must have been extremely delicate (and cold) work ? "I knew the guy who did it and he felt he needed to get glasses because of this project," Garrett told LiveScience.

And if the snowflakes in the pictures don't look much like the symmetrical geometric shapes one usually think of (and which were recently captured in stunning fashion by macro photographer Andrew Osokin), that's because most "snowflakes" are actually clumps made up of smaller flakes that have collided or broken apart.

Achieving a better understanding of snowflakes means a better understanding of snowy weather systems. Alta, for example, can use it to gauge the quality of the snow falling, and the Army is planning to use the device to improve its avalanche prediction techniques.

You can watch a live-updating feed of recent snowflakes from Alta, or check the project's highlight page, showing a few outstanding examples of what the system can capture.

Devin Coldewey is a contributing writer for NBC News Digital. His personal website is coldewey.cc.

Source: http://www.nbcnews.com/technology/futureoftech/unique-photography-rig-captures-snowflakes-mid-flight-1B8219491

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There Is Blatant Racist and Sexist Language Hiding in Open Source Code

GitHub is an exceptionally popular open-source community where any developer can find code for pretty much anything. But there's a problem—some of that code contains extremely offensive racist, sexist, and homophobic, language. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/0ufrgBbbfMc/there-is-blatant-racist-and-sexist-language-in-github-code

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