Sunday, November 4, 2012

Suarez's goal gives Liverpool draw with Newcastle

Associated Press Sports

updated 2:49 p.m. ET Nov. 4, 2012

LONDON (AP) - Often criticized for his theatrics, Luis Suarez stood out for the right reasons Sunday with a brilliant equalizer for Liverpool in a 1-1 draw with Newcastle in the English Premier League.

Steven Gerrard made his 600th appearance for Liverpool but was overshadowed at Anfield by Suarez, who produced a wonderful display of skill to bring down a raking pass on his chest and move around the goalkeeper in one movement to earn his team a deserved point in the 67th minute.

"His first touch from that height was an incredible piece of skill - he is a world-class striker," said Liverpool manager Brendan Rodgers.

Liverpool, however, missed a chance to climb into the top half of the standings for the first time this season, with the 18-time English champions again failing to win at home despite dominating for large periods.

Newcastle scored from one of its rare forays forward, with Yohan Cabaye volleying home superbly in the 43rd after good work by Hatem Ben Arfa, and was forced to hang on with 10 men after Fabricio Coloccini was red-carded with about 6 minutes remaining in regulation time.

"Suarez is a great player. He was causing us problems and if we could have wrapped him up, we would have won the game," Newcastle manager Alan Pardew said.

In Sunday's other game, Queens Park Rangers and Reading remain winless in the league after drawing 1-1 at Loftus Road, leaving both teams in the bottom three and destined for a season of struggle.

Former France striker Djibril Cisse rescued a point for the hosts by poking home a close-range finish in the 66th, canceling out an acrobatic opener scored by Kaspars Gorkss - a former QPR player.

The point provisionally lifts QPR off the bottom of the table above Southampton, which plays on Monday against West Bromwich Albion, but the result will increase the pressure on manager Mark Hughes.

"We're working exceptionally hard on a daily basis to turn this around and we'll get there, we know that," said Hughes, who continues to receive the backing of owner Tony Fernandes.

---

BARCELONA, Spain (AP) - Espanyol and Deportivo La Coruna earned much-needed second wins in the Spanish league to help both clubs provisionally rise from the relegation zone.

Espanyol won 1-0 at Real Sociedad for its first away victory after 10 rounds, while Deportivo ended an eight-game winless run by edging out visiting Mallorca 1-0.

Also, Patrick Ebert's late goal gave Valladolid a 1-0 win at 10-man Osasuna, leaving the Pamplona-based club languishing in last place.

Later, Levante visits Sevilla seeking a fourth consecutive win that would propel it into fourth place, keeping the team in the thick of the race for a Champions League spot.

Also, Athletic Bilbao is at Granada.

---

ROME (AP) - A defensive blunder by Napoli allowed a stoppage-time equalizer in a 1-1 draw with Torino, hurting the southern club's title chances.

Lazio also dropped back after getting beat 4-0 by Catania, while Fiorentina was the day's big winner after beating Cagliari 4-1 to jump ahead of Lazio into fourth place.

After sitting out Napoli's last two matches with a minor injury, Edinson Cavani celebrated his return by scoring six minutes in at the San Paolo stadium from the edge of the box - his seventh goal in nine appearances this season.

But shortly after Napoli coach Walter Mazzarri was sent off for protests, Torino's Gianluca Sansone equalized with his first Serie A goal after intercepting defender Salvatore Aronica's unwise pass back to his goalkeeper.

Juventus, which was beat 3-1 by Inter Milan in "Italy's derby" Saturday, leads with 28 points. Inter is next with 27, Napoli has 23, Fiorentina 21 and Lazio 19.

Earlier, struggling Pescara beat in-form Parma 2-0 to save the job of its manager, Giovanni Stroppa. The victory promoted Pescara out of the relegation zone, three points clear of Palermo, which was third to last ahead of its match at Roma later.

"It wasn't an easy buildup to the match," Stroppa said. "I read in some places that it would mark my funeral."

Parma, which had won three straight, remained sixth, tied with Catania and Atalanta, 13 points back.

Atalanta won 2-1 at Sampdoria, Antonio Di Natale scored a 73rd-minute equalizer as Udinese drew 1-1 at Bologna and last-place Siena - which has a six-point penalty for match-fixing - beat Genoa 1-0.

---

BERLIN (AP) - Bayer Leverkusen held on for a 3-2 win over Fortuna Duesseldorf to extend its unbeaten Bundesliga run to seven games.

Leverkusen winger Sidney Sam opened the scoring with a deft chip in the 16th minute, only for Nando Rafael to equalize with a deflected header from a corner in the 40th.

Andre Schuerrle replied immediately, blasting home from close range after the visiting defense failed to clear Sam's cross.

The game seemed to swing in Fortuna's favor in the 65th, when Leverkusen captain Simon Rolfes was sent off for a clumsy challenge on Adam Bodzek.

But Leverkusen scored again two minutes later, when Daniel Carvajal blocked a shot and chased the ball down the length of the pitch before crossing for Gonzalo Castro to tap into the empty net.

Werder Bremen was scheduled to host Mainz in Sunday's late game.

---

PARIS (AP) - Brothers Andre and Jordan Ayew scored second-half goals as Marseille won 2-0 at Ajaccio to tie Paris Saint-Germain at the top of the French league, while Lyon overcame spirited resistance from Bastia to win 5-2 and move provisionally into third.

Andre Ayew had been one of Marseille's best players during the past two seasons, scoring 18 league goals from the wing, but his form has been patchy this campaign and he netted for the first time this season following a goalmouth scramble in the 55th minute.

Jordan Ayew hit his third of the season after being set up by Mathieu Valbuena in the 88th.

Marseille had lost its past three games without scoring a goal, and was knocked out of the League Cup by PSG on Wednesday, having won the competition three years in a row.

Toulouse plays Bordeaux later Sunday.

---

AMSTERDAM (AP) - Goals from Nacer Chadli, Dusan Tadic and Luc Castaignos gave FC Twente a 3-0 win against Feyenoord in the Dutch league.

The prettiest goal was the first, with Tadic dribbling past four Feyenoord players before passing for Chadli to finish from 10 meters. Castaignos scored after controlling a long-range pass, and Tadic found the net from a free kick.

Twente coach Steve McClaren says "we scored at the right times and didn't give much away."

PSV Eindhoven gave Heracles Almelo a 4-0 drubbing, and defending champion Ajax lost 2-0 at home to Vitesse to drop to fifth place in the standings. Wilfried Bony scored twice for Vitesse against a lackluster Ajax in comparison to the team that beat Manchester City in its last Champions League outing.

---

GLASGOW, Scotland (AP) - Celtic surrendered a two-goal lead in the final minutes to draw 2-2 with Dundee United in the Scottish Premier League, leaving the defending champions even on points with second-place Hibernian at the top of the standings.

Celtic looked as though it would warm up for Wednesday's Champions League match against Barcelona with a comfortable win when Tony Watt put the team ahead 2-0 in the 80th minute, adding to Miku's opener in the 69th.

However, Gary Mackay-Steven halved the deficit for the hosts in the 89th before Celtic defender Efe Ambrose glanced a header into his own net after two minutes of stoppage time.

Celtic is tied with Hibs on 21 points - three clear of a trio of rivals - but has a game in hand.

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


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DC,?Red Bulls in crazy tie

PST: Two own goals and a side trip into Crazy Town for one young D.C. United man made for a strange evening at RFK Stadium as the home team and the New York Red Bulls began their two-game series with a 1-1 draw.

Source: http://nbcsports.msnbc.com/id/49685367/ns/sports-soccer/

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Obama, Romney avoid hard truths about energy

One hard truth: The era of cheap oil is over. Even the recent glut of US oil and gas was driven by high prices, which gave industry the incentive to use expensive, risky drilling technology.?

By Richard Heinberg and Tom Butler,?Contributors / November 2, 2012

A fracking operation is seen outside Williston, N.D., in this October file photo. The energy world portrayed in the debates ? one in which coal is 'clean' and oil and gas companies will lead the US to a new era of energy abundance ? is an illusion carefully crafted by the fossil fuel industry.

Jim Urquhart/Reuters/File

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The presidential campaign now nearing its noisy conclusion may be remembered more for what wasn?t said than for what was, especially when it comes to the pivotal issue of energy. We heard assertions that America has a century?s worth of cheap natural gas, that domestic drilling will soon free us of the need to import oil, and that the president of the United States is responsible for high gasoline prices ? all exaggerations at best. We didn?t hear the hard truth about our nation?s energy conundrum.

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Here?s an inconvenient fact: The recent glut of US oil and natural gas production was driven not by new discoveries or technologies, but by high prices. In the years 2005-08, as conventional oil and gas supplies dwindled, prices for these fuels soared. High prices then provided an incentive for the industry to use expensive, risky technology to drill problematic reservoirs. Companies bought up mineral rights and drilled thousands of wells. High per-well decline rates and high production costs were hidden behind a torrent of new gas, new oil, and old-fashioned hype.

Facts have consequences. It?s thrilling to trumpet robust oil and gas production numbers, but not so cheery to look honestly at our current energy system. There was no straight talk this election year about what growing reliance on unconventional fossil fuels really means: the need for enormous amounts of water for fracking, the high climate impacts from fugitive methane, the threats to groundwater from bad well casings or leaking containment ponds, and the inevitable social disruption to communities in the oil patch, roiled by boom-and-bust economic cycles. Low-quality shale reservoirs require not only fast and furious rates of drilling, but also creative financing ? which Wall Street has been happy to supply, in the process inflating yet another bubble.

As for gasoline prices, aside from temporary gestures like opening the Strategic Petroleum Reserve, there?s almost nothing a president can do since gas prices mostly track the global price of crude oil. As demand escalates from a surging global human population, and as the oil industry goes after tougher-to-access resources (remember the Deepwater Horizon disaster?), costs of production can only rise.

The reality is that America faces profound energy challenges. The ?Beverly Hillbillies? era of cheap oil is over. The energy world portrayed in the debates ? one in which coal is ?clean? and oil and gas companies will lead the US to a new era of energy abundance if unleashed or properly regulated ? is an illusion carefully crafted by fossil fuel industry PR professionals and political consultants. The real world is hurtling toward an energy-economy-environment crisis for which no one is being prepared.

Both candidates studiously avoided mention of climate change ? which nearly all climate scientists say is tied to our current energy regime. Climate impacts are showing up faster than forecast in even the most ?alarmist? scenarios published just a few years ago. Weather anomalies are increasing in frequency and severity ?exactly as climate models predict, only faster (think hurricane Sandy). The northern polar ice cap is disappearing before our eyes. Yet the candidates offered no strategy for avoiding or adapting to a chaotically changing climate.

On some issues, this election offers a clear choice. On energy, differences amount to little more than nuance. Neither side gives voters a sense of the scale of the problem. Neither clarifies the inevitable economic and environmental trade-offs that come with any energy policy. Renewable energy sources have drawbacks too ? both economic (intermittency in supply entails a need for investment in storage and transmission) and ecological (covering sensitive desert areas with solar panels destroys habitat).

Neither candidate wants to inform Americans that we need to get used to living with less energy, or that we must adapt to being less mobile. Neither Mr. Obama nor Mr. Romney is willing to help the national conversation evolve from ?How can we grow energy production?? toward ?How can we shrink our appetites to fit what we can afford and what nature can sustainably supply??

Pro-growth boosterism may be the lifeblood of politics, but the candidates? failure to discuss these hard problems serves the electorate poorly at a time when sensible public policies could begin remaking the energy economy as if nature, people, and the future actually mattered.

The energy-economy-environment conundrum will require action one way or another. It would go much better if we talked honestly before crisis narrows our options.

? Richard Heinberg is senior fellow at Post Carbon Institute. His most recent book is ?The End of Growth.? Tom Butler is coeditor of the new book ?Energy: Overdevelopment and the Delusion of Endless Growth.?

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/cjq0laKXhys/Obama-Romney-avoid-hard-truths-about-energy

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To Do: Veterans Day and Farmer's Market | Orange County NY Real ...

This Sunday, November 11, is Veterans Day so take time this weekend to honor those who have fought for our country.

Warwick Valley?s Veterans of Foreign Wars / Post 4662 is hosting
the memorial service for our heroes who have served our country.

Once you?re done honoring our Vets, take a ride over to The Warwick Valley Farmers Market, a few miles away in the village.? It?s held from 9 a.m. to 2 p.m. Sundays until November 18th. It?s a great place to find fresh produce grown locally, from meat to local ciders, wines and a perfect bouquet of flowers. Or stop here first and bring a bouquet to dedicate to one of our fallen soldiers who didn?t make it home.

This weekend support our troops and the local economy.

For more information:

Veterans of Foreign Wars Post 4662: (845) 986-3219. Meetings held the 3rd Tues., 7:30 p.m., Forester Avenue firehouse in Warwick, NY.

Warwick Valley Farmers Market: www.warwickvalleyfarmersmarket.org.

Source: http://www.greenteamsells.com/uncategorized/to-do-veterans-day-and-farmers-market

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Saturday, November 3, 2012

Dealing with Anxiety and Phobias

Afraid of closed spaces? Getting on a plane? Take control of your fears.

By Michele Cohen Marill
WebMD the Magazine - Feature

Your heart pounds, your palms sweat, and you begin to tremble. These physical reactions to danger put your body on high alert. But if you're gripped with fear when there is little or no real danger, like when you're on a plane taxiing down a runway to take off, the real culprit may be anxiety.

"Anxiety is a world-class bluffer. It bluffs people into thinking they're in danger when they're really not," says Martin N. Seif, PhD, a psychologist in New York City and Greenwich, Conn., who co-founded the Anxiety Disorders Association of America.

Recommended Related to Anxiety Panic

Understanding Obsessive-Compulsive Disorder -- the Basics

Obsessive-compulsive disorder (or OCD) is a form of anxiety disorder. It goes beyond the ordinary "double-checking" and worrying that all of us do from time to time. Everybody sometimes wants to make sure the doors are locked or the oven is off. For OCD patients, these thoughts and behaviors are so magnified that they interfere with everyday routines, jobs, and relationships. For example, people with OCD have been known to wash their hands for eight hours in a day or to reorganize their entire household...

Read the Understanding Obsessive-Compulsive Disorder -- the Basics article > >

'Specific Phobias'

About 19 million Americans have irrational fears, also called specific phobias, which can bring on anxiety.

They're afraid of closed spaces or heights. They feel panicky during thunderstorms or around dogs. Some irrational fears double up, further increasing the anxiety. For instance, people who dread flying may also be uncomfortable sitting in a narrow tube, confined to their seat and surrounded by strangers, and they may worry about turbulence and storms.

Even people who don't suffer from phobias tend to misjudge risks. We're wary of the scanning machines at the airport, but 1 million people visit tanning salons each day, soaking up ultraviolet radiation that raises the risk of skin cancer. Women worry most about breast cancer even though they're more likely to develop heart disease: About 40,000 women in the U.S. die each year from breast cancer, while more than 300,000 die from heart attacks. We fear things we can't control -- and cancer seems more out of our control.

When our fears interfere with our daily lives, truth is an antidote. For example, Seif advises people who are afraid of flying to research the actual risks. In the past two years, there has not been a single death on a commercial U.S. airliner, while every day about 90 people die in motor vehicle accidents.

But facts alone aren't enough. You have to outsmart your anxiety by focusing on the present rather than "what if," Seif says. Many people just avoid whatever makes them uncomfortable. But Seif, who once had a fear of heights and of flying, says that doesn't work. "If you avoid the anxiety sensations, you're just reinforcing the anxiety," he says.

Expert Tips

"Medication isn't the only answer for panic attacks. I think that lifestyle changes and some work with a cognitive psychologist would be helpful." -- Patricia A. Farrell, PhD

Find more articles, browse back issues, and read the current issue of "WebMD the Magazine."?

Source: http://www.webmd.com/anxiety-panic/features/mind-matters-anxiety?src=RSS_PUBLIC

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In Focus: The 2012 Presidential Election and the Tech Sector ...

Maybe you?ve noticed: There?s an election coming up. If you plan to do your civic duty on Super Tuesday, you?ll head to the polls and cast your vote for local, state, and national lawmakers. It?s a basic American right, and one Americans should take seriously. Your vote represents your wishes for the immediate future of our great nation. And for those interested in the technological economy, the coming election represents also an opportunity to cast a political vote that serves both technological and business interests. Even the most apolitical techies should know: Your vote is like a page view ? it matters.

The political landscape for progressive, technology-focused business has always been a difficult one, and it?s an unavoidable reality that our politicians don?t always focus solely on our set of interests. While many see national election selections as ?the lesser of two evils,? consider challenging yourself to be more optimistic. You get one vote, and you should make it count. Consider your specific tech sector interests, and vote accordingly.

Neither President Obama nor Governor Mitt Romney has been particularly coherent on future strategies and plans concerning the tech sector. But we?ve identified some of the major issues concerning the tech sector and users of technology for business and personal ends. Online shoppers and start-up CEOs alike get one vote this November. Here are some of the areas of concern for techies:

Internet Privacy

While some argue that there?s no such thing as an expectation of privacy on the Internet, this issue remains salient to many technology users and online shoppers. Think about it: If you?re encouraged to purchase goods and services through online means, shouldn?t you be able to expect that your payment information be kept safe? Victims of identity theft know that their online security matters. And parents have an interest in online privacy, too.

In 2010, the Children?s Internet Protection Act, or CIPA, was introduced to implement software filters for children and to promote safe practices for Internet usage. Parental involvement in children?s Internet use remains an issue, and parents want to make the Internet a safe, fun, educational place for their children. Just days ago, the FTC began to face a controversy concerning 1998?s COPPA, the Children?s Online Privacy Protection Act. Additionally, the advent and propagation of facial recognition technology is becoming widely, though not publicly, used. The FTC issued guidelines for facial recognition software use this October, advocating company transparency about the new practice and its intended uses online. Both children?s privacy and facial-recognition software use will be top privacy concerns for Internet users during the next administration. IP addresses, spyware, malware, and other data mining software are other Internet privacy concerns. Internet privacy is such a wide-ranging issue that the Pew Research Center has opened the Pew Internet and American Life Project to study these issues.

Internet Piracy

While peer-to-peer file sharing remains legal, Internet piracy is a hot button issue in today?s political landscape. Many peer-to-peer networks encourage legal file sharing ? through office networks or university departments, for example. But problems arise when copyrighted material is shared freely and openly without regard to licensure. Identity theft is also a risk of online piracy practices. The controversial SOPA, or Stop Online Piracy Act, was introduced last year by a Republican lawmaker from Texas, but was met with massive protests from Internet users and online business owners.

Apologists for the legislation argued that SOPA would protect intellectual property rights and decrease the ?active promotion of rogue websites? by U.S. search engines. A vocal opposition from the Internet community contended that the passage of SOPA would inhibit innovation and infringe on the fundamental right to free speech, as it would enable law enforcement to restrict access to entire Internet domains due to a single instance of infringing content. On Jan. 8, Wikipedia, Reddit, and upwards of 7,000 smaller web portals underwent a coordinated blackout to raise awareness of the negative implications of the bill. Anonymous, a ?hacktivist? Internet group, also blocked access to several pro-SOPA websites and services, such as CBS.com and the RIAA.

SOPA?s political opponents answered with another bill, the Online Protection and Enforcement of Digital Trade Act (OPEN), intended to be a workable alternative to SOPA. President Obama petitioned against SOPA from its beginnings, stating that, ?While we believe that online piracy by foreign websites is a serious problem that requires a serious legislative response, we will not support legislation that reduces freedom of expression, increases cybersecurity risk, or undermines the dynamic, innovative global Internet.? The President also stated that he would veto the passage of SOPA, and discussions were tabled after massive protests killed public support for the bill. Governor Romney also spoke out against SOPA during the Republican presidential primary debates.

Internet Monetization

While piracy and privacy are the top two political issues for the traditional techie voter, those focused on the technology economy have two other election day concerns: Internet monetization and possibilities for future investment. Internet monetizers are often small businesses, whose tax rates and future investment options could be at the whim of the winning candidate. A Hartford poll published in USA Today states that 77% of small business owners believe their business tax rates will increase, no matter who wins the election. With only 33% of survey respondents optimistic about the economy, the presidential election could look abysmal from either side. This late in the media cycle, both candidates are slinging shame about their opponent?s small business tax plans. But those involved in tech start-ups should operate with cautious optimism. Small business has long been the lifeblood of the American economy, and the technology economy has not fundamentally changed this fact.

The presidential candidates both wrote letters to New York?s recent Tech MeetUp in October. Governor Romney vowed to raise visa caps for ?highly skilled foreign workers,? as well as lowering the corporate tax rate by one-quarter and weakening the power of regulatory agencies governing the technology sector. ?As president,? he wrote, ?I will emphasize policies that once again make America the best place in the world to make a discovery, start a business, hire a worker or find a job.?

President Obama has been called ?the tech president,? and consistently praises those working in the tech sector. ?The reason I?ve never been more optimistic about the future is because of all of you,? the President wrote. ?You?ll be the next entrepreneur to turn a big idea into something ? a new invention or an entire new
industry.? While innovation and start-ups are a top concern for the technology economy, the potential for investors is another top concern.

Investors

Tech start-ups often rely on venture capitalists and angel investors to fund them through their first years of effective monetization. An Oct. 29 article in the Chicago Tribune stated that President Obama is losing ground with venture capitalist investors, both those contributing to his campaign and those that represent a piece of the technology economy. Some investment firms are backing Governor Romney?s campaign, stating displeasure with the President?s current performance in the sector and his record concerning technological innovations. Governor Romney once ran a private equity firm, and has experience in leveraging capital for business ends, making him a strong candidate for some business owners and investors.

Bob Nelson, co-founder of Arch Venture Partners in Seattle, has changed his vote. According to the Tribune interview, he said while he usually votes for the more progressive candidate, his loyalty lies with the technology economy, and he?s disappointed with President Obama?s advocacy of the field thus far. Obama intends to eliminate the carried-interest tax break, which benefits venture capitalists? fiduciary claims on their investments. (The current tax break affects levies on venture capitalist?s share of profits from investments. Venture capitalists pay the capital-gains rate on carried interest, in lieu of paying income tax.) In the same article, Mark Heesen, president of the National Venture Capitalist Association, described that the venture capitalist mindset looks to the challenger, and not to the status quo ? support of Romney by this population, therefore, is both unsurprising and expected.

Cyberbullying and Internet Freedom

Two final, major issues concern the technology-focused voting populace. Cyberbullying, or use of the Internet for deliberate social harm, has come to the forefront of the American political discussion. Bullying of all sorts has been a national conversation during the Obama administration, and those fighting cyberbullying aren?t finished yet. Recently, North Carolina has introduced a School Violence Prevention Act, aimed at making the cyberbullying of teachers illegal. In an October open forum conversation with President Obama on MTV, the President discussed the negative impacts of cyberbullying and the problems inherent in its legislation. ?It is challenging, because part of the power of the Internet is that information flows out there, and it?s generally not censored and it?s generally not controlled by any single authority,? the President said. ?The law is a powerful thing, but the law doesn?t always change what?s in people?s hearts. So all of us have an obligation to think about how we?re treating other people. What we may think is funny or cute may end up being powerfully hurtful.?

Finally, the all-encompassing issue of Internet freedom is a cause that might embolden many to cast their votes this November. David Segal, the executive director of Demand Progress, recently stated, ?As the Internet becomes more critical to our democracy and economy, concerns about the freedom to connect online are ever more important to ordinary Americans. [ ... ] It behooves both parties to demonstrate their support for that cause ? in their platforms, and in their legislative undertakings.?

The Republican party has spoken out in favor of Internet freedom and in opposition of ?net neutrality,? making it an official part of their 2012 platform. In September?s South Carolina Republican primary debate, Governor Romney railed against SOPA, stating that, ?the law as written is far too intrusive, far too expansive, far too threatening to freedom of speech and movement of information across the Internet. It would have a potentially depressing impact on one of the fastest growing industries in America, which is the Internet and all those industries connected to it.?

In an ?AMA? (?Ask Me Anything?) discussion on Reddit, President Obama addressed the issue. ?Internet freedom is something I know you all care passionately about; I do too. We will fight hard to make sure that the Internet remains the open forum for everybody ? from those who are expressing an idea to those to want to start a business. And although their will be occasional disagreements on the details of various legislative proposals, I won?t stray from that principle ? and it will be reflected in the platform,? the President wrote.

Obama went on to write, ?A free and open Internet is essential component of American society and of the modern economy. I support legislation to protect intellectual property online, but any effort to combat online piracy must not reduce freedom of expression, increase cybersecurity risk, or undermine the dynamic, innovative global Internet. I also believe it is essential that we take steps to strengthen our cybersecurity and ensure that we are guarding against threats to our vital information systems and critical infrastructure, all while preserving Americans? privacy, data confidentiality, and civil liberties and recognizing the civilian nature of cyberspace.?


Source: http://www.cmn.com/2012/11/in-focus-the-2012-presidential-election-and-the-tech-sector/

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google news: Have The Courage To Backpack Europe ...

Posted By admin on November 1, 2012

Have you considered going backpacking around Europe or Asia? Well, what?s stopping you?

Maybe you?ve come up with numerous reasons as to why you can?t. Perhaps you don?t have enough money. Maybe you don?t have the time. Maybe you have to focus on your career and can?t take the risk.

I find that most of the time, these ?excuses? are just a way that your mind comes up with barriers to stop you getting out of your comfort zone.

Do you want to lead a life of mediocrity? Come on, I don?t think anybody wants that.

It?s fun to get on the internet and read more and more articles, books and other delights when it comes to travel, but ultimately your goal should be to get out there and experience it for yourself!

How Much Does It Actually Cost?

It?s a commonly asked question, and I?ve done the research first hand and can safely say that backpacking Europe on a budget can be achieved easily with $80 ? $100 per day. If you?re working full time and saving as you should be, this is actually not that hard of a figure to reach. It can also be done MUCH cheaper than that.

How To Travel Cheaper

Check out websites like WWOOF and CouchSurfing where communities of other travellers all put each other up free of charge. It?s a wonderful way to travel and is certainly easy on the budget.

Source: http://www.geostationarybananaovertexas.com/archives/1304

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Source: http://google-news-blog.blogspot.com/2012/11/have-courage-to-backpack-europe.html

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What Are The Most Common Types Of Auto Insurance Coverage ...

Auto Liability Coverage

Auto Liability coverage pays for damages you are legally responsible for in the event of an accident.? Auto Liability is usually broken down into two parts.? Bodily Injury Liability will typically cover medical expenses, pain and suffering, lost wages, and other special damages.? Property Damage Liability covers property damages such as dame to your vehicle.? In some instances Auto Liability coverage will also pay for legal defense and court costs.

Personal Injury Protection (PIP)

PIP coverage pays the reasonable and necessary medical expenses related to an auto accident for those covered.? Coverage is some instances may include rehabilitation, lost earnings, funeral expenses and replacement of services such as child care for a disabled parent.

Medical Payments

Typically referred to as Med Pay, this auto insurance coverage usually pays for reasonable and necessary medical and funeral expenses related to an auto accident.

Collision

Collision coverage pays for damages caused by a collision with another vehicle or object.? It also may provide coverage if your vehicle has a rollover.? Typically a deductible is applied to this type of coverage.

Uninsured Motorist / Underinsured Motorist

In the event that you are in an auto accident with someone who does not have liability insurance Uninsured Motorist coverage will pay for damages.? Underinsured Motorist coverage is similar and pays for damages if the liability policy limit of someone you are in an auto accident with is insufficient to pay for your damages.

Rental Reimbursement

If your vehicle is disabled because of an auto accident Rental Reimbursement coverage will pay for a rental vehicle.?? Insurance companies will place a limit on daily allowance and total days of rental allowed.

GAP INSURANCE

If your vehicle is totaled and you still owe money, gap insurance will pay the difference between what the vehicle is worth after the wreck and what you still owe on the vehicle.

There are many traps in regards to coverage that insurance companies try and deny you benefits you have paid for or are entitled to. If you are in an automobile accident, car wreck, trucking accident or hit by a drunk driver, please call the law office of Neil Flit for a free consultation at 770 916 1270 or visit us at AtlantaHurt.com

Tags: atlanta car accident attorney, Attorney Neil Flit, Auto Accident Attorney Atlanta, auto accidents Atlanta, Insurance Atlanta, insurance coverage atlanta, Neil Flit, Personal Injury Attorney, Personal Injury Attorney Atlanta

This entry was posted on Friday, November 2nd, 2012 at 4:34 pm and is filed under Auto Accidents, Personal Injury. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://atlantahurt.com/blog/what-are-the-most-common-types-of-auto-insurance-coverage/

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