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'Homeland' hits series high, Showtime sets record

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Source: http://news.yahoo.com/homeland-hits-series-high-showtime-sets-record-221007695.html

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Storm surge coverage - Insurance Quotes

John Egan

One phrase ? ?storm surge? ? has blanketed news coverage about Hurricane Sandy. But just what is storm surge? And does your home insurance cover damage from it?

Here are answers to some key questions about storm surge and home insurance.

What is storm surge?

Storm surge is caused by water that?s pushed toward the shore by storm winds. It can increase the normal high tide by 15 feet or more. In addition, wind-driven waves on top of storm surge can trigger severe damage in coastal areas. storm-surge

?The stronger a hurricane?s winds, the harder its punch. But it?s the water that gets driven ashore that causes much of the damage,? insurance company USAA says.

Powered by the force of a wave, storm surge packs much more energy than the floodwaters of a rising river. In fact, storm surge is the No. 1 killer of people in a hurricane.

?It only takes a wave that?s a foot-and-a-half high to equal or exceed the force of a 120-mile-per-hour wind,? Tim Reinhold, senior vice president for research and chief engineer at the Insurance Institute for Business & Home Safety, says in an article on USAA?s website. ?The forces of the waves just dominate over everything.?

Does my home insurance policy cover damage from storm surge?

No. A standard home insurance policy normally doesn?t cover damage caused by storm surge or flooding. To be covered for damage from storm surge, you?ve got to buy separate flood insurance. Most people purchase flood insurance through the National Flood Insurance Program.

If I have flood insurance, how much coverage do I have?

A policy from the National Flood Insurance Program (NFIP) provides coverage of up to $250,000 for your home?s structure. Keep in mind that contents coverage isn?t automatically included in a standard flood insurance policy; you?ll have to pay to add it. Contents coverage pays up to $100,000 for your personal possessions. The NFIP policy provides replacement cost coverage for home?s structure, but only actual cash value coverage for your possessions.

What is replacement cost coverage?

Replacement cost coverage pays to rebuild your home like it was before the damage occurred.

What is actual cash value coverage?

Actual cash value is replacement cost coverage minus depreciation. The older your possessions are, the less money you?ll get if they?re damaged.

My insurer denied my claim because of where my home is located and said the damage was caused by storm surge. Is that right?

Whether a claim is paid depends on the language in your home insurance policy or policies. Insurers can?t make blanket decisions and reject claims without investigating the facts. If you think your insurer unfairly handled your home insurance claim, file a complaint with your state insurance department.

Can I buy flood insurance now to cover damage from Sandy storm surge?

No. There?s a 30-day waiting period before this type of coverage takes effect. Therefore, don?t wait until the last minute to buy flood insurance.

Who?s at risk for damage from storm surge?

In the Atlantic Coast region, where Sandy landed, about 2.2 million homes are at risk of damage from storm surge; those homes are valued at more than $500 billion. Along the Gulf Coast, just under 1.8 million homes are at risk of storm-surge damage; those homes are worth nearly $200 billion.

How much damage can storm surge cause?

In the past, storm surge from hurricanes has destroyed large buildings and wiped out coastal communities. Just 1 inch of storm-surge water in your home can lead to thousands of dollars in damage and cleanup costs.

Source: http://www.insurancequotes.com/storm-surge-home-insurance/

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How to Handle Hyperactivity in Kids with ADHD | World of Psychology

How to Handle Hyperactivity in Kids with ADHD Hyperactive kids with ADHD are always on the go, according to Roberto Olivardia, Ph.D, a clinical psychologist and clinical instructor in the department of psychiatry at Harvard Medical School. It?s like they have a motor winding them up. ?Words like ?Energizer Bunny,? ?Speedy Gonzalez? and the ?Roadrunner? are common nicknames to describe the?never-ending vessel of energy?ADHD kids exhibit,? he said.

For instance, rather than sitting at their desk, they might jump up several times to sharpen their pencil, said Ari Tuckman, PsyD, a clinical psychologist and author of Understand Your Brain, Get More Done: The ADHD Executive Functions Workbook. Rather than sitting at the dinner table, they might walk around it ? or go and play with the pet, he said.

Physical hyperactivity isn?t the only concern. Hyperactive kids also experience racing ? and ?rarely singular or linear? ? thoughts, Olivardia said. ?The idea of ?shutting their minds off? is a foreign concept to someone who is hyperactive.?

Because of their hyperactivity, kids with ADHD can have a hard time in school, where sitting still is nonnegotiable. ?[They] can miss much of what is taught simply because their brains are not as stimulated when they are still,? Olivardia said. (However, as he said, ?Perhaps the current setup of school, sitting still for 6 hours a day 5 days a week, is the real problem.?)

They also might experience social problems, he said. And hyperactivity ?can lead to more accidents and injuries if the child engages in reckless activities in order to get some of that energy out,? Tuckman said.

Handling Hyperactivity in Kids with ADHD

Parenting a child who?s hyperactive is no doubt exhausting. Tuckman and Olivardia shared these suggestions on how to handle hyperactivity.

Have a clear understanding of hyperactivity.

Being hyperactive is not the same as misbehaving, Olivardia said. Hyperactivity in ADHD is hardwired, he said. ?It is analogous to feeling an intense itch and not scratching it. Even if you don?t scratch it, you?ll be so distracted by wanting to.? In addition to educating yourself, educate your child as well about why they?re hyperactive, he added.

Find other ?fidgets.?

Fidgeting actually helps kids focus and reduce hyperactivity. Olivardia referred to a book called Fidget to Focus, which describes the science of fidgeting and its ability to sharpen attention. He also suggested finding other ways to fidget, such as chewing gum or having an object to manipulate.

Create more engagement.

For instance, teachers can set up desks in a circle or have ?stand-up desks,? Olivardia said. Kids with ADHD are usually more engaged when they?re moving around a bit than sitting still. Get creative, experiment and go with what works, he said.

Ignore the hyperactivity.

?Sometimes the best solution is just to ignore it,? Tuckman said. For instance, when your child is having dinner at home, if they?re eating their food and not misbehaving, let them stand or walk around the table, he said.

Get rid of excess energy.

?You can burn off some of that hyperactivity by allowing the child to be more active before they need to sit still,? Tuckman said.

The important thing is not to fight hyperactivity by telling your child to stop fidgeting, be still or stay seated, Tuckman said. In fact, ?Simply saying ?Sit still? can be invalidating and lead to self-esteem problems in kids with ADHD,? Olivardia said. Instead, help your child channel their excess energy, Tuckman said.

Also, ?Remember that this same kind of energy, which can be a lot to handle as a parent or teacher when kids are younger, is the same kind of energy that can contribute to amazing things as an adult,? Olivardia said. Many entrepreneurs were diagnosed with ADHD as kids, and today, use their energy to brainstorm exciting ideas and run out-of-the-box businesses, he said.

Margarita TartakovskyMargarita Tartakovsky, M.S. is an Associate Editor at Psych Central and blogs regularly about eating and self-image issues on her own blog, Weightless.

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Catch up on other posts by Margarita Tartakovsky, M.S. (or subscribe to their feed).



????Last reviewed: By John M. Grohol, Psy.D. on 28 Oct 2012
????Published on PsychCentral.com. All rights reserved.

APA Reference
Tartakovsky, M. (2012). How to Handle Hyperactivity in Kids with ADHD. Psych Central. Retrieved on October 29, 2012, from http://psychcentral.com/blog/archives/2012/10/28/how-to-handle-hyperactivity-in-kids-with-adhd/

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Source: http://psychcentral.com/blog/archives/2012/10/28/how-to-handle-hyperactivity-in-kids-with-adhd/

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Apple adds Rubles and other currencies to App Store, bumps minimum price to ?0.89 in Europe

DNP Apple adds Rubles and other currencies to app store, bumps minimum price to 089 in Europe

After announcing slightly under par financials, Apple has added more ways it can be paid for apps, though it also bumped the minimum freight to get one across Europe. The new lowest price users in France, Germany, Italy and other nations "over there" can pay for an app is now €0.89, a euro-dime bump from before -- apparently due to the weak euro and local tax hikes. On the other hand, Cupertino also added more currencies accepted at its store: South African Rand, Turkish Lira, Russian Rubles, Indian Rupees, Isreali New Shekel's, Saudi Arabian Riyal, Indonesian Rupish and UAE Dirham can all now be used to pay. Apple has tinkered with its prices before in varying amounts overseas depending on the nation, so you may want to check your own country's App Store for the news -- bad or good.

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Apple adds Rubles and other currencies to App Store, bumps minimum price to ?0.89 in Europe originally appeared on Engadget on Fri, 26 Oct 2012 06:32:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/NHwE8-biy8g/

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Is Politics a religion?

Politicians usually belong to a party that has a set of principles.? These are then used as the basis for policies and each new member must agree that they are in agreement with them.? They are not factual things like being able to speak a particular language, having a level of education, living in certain locations etc - No they are principles, beliefs,? commitments, intentions etc.? I have extracted the principles for Canada's main parties:? ?Conservatives, NDP and Liberals.? (Download a short pdf for each by clicking their names).? It's immediately obvious that these principles are very similar structurally to the dogmas of Churches.? They require belief on Faith although like theology, research is done to justify each belief.? None of this would matter except that people with these dogmas run our country!? If they ignored the dogmas and decided what to do based on reason, evidence and even common sense, then it would not matter what they believed.? Some actions are like that but too many times, dogma is used as the basis for actions.

It's made even worse when dogmas from an MP's personal religion is used as the basis for an action.? This often happens when an issue is unrelated to a political dogma.? For example, gay marriage and abortion are not mentioned in the principles of any Canadian party.

The thought that politics is a form of religion is complicated by the fact that certain religions tend to? be related to political parties.? For example, Conservatives are more likely to be religious (Catholics or fundamentalists) while NDP members have a higher proportion of atheists.? But that's not what I am discussing here.

Let's think about it.? If you belong to a religion and you have a set of dogmas, then when you come to decide something that relates to one of the dogmas, it will decide for you what to do.? For example, Catholics don't think about whether to choose an abortion or not - they know not to have one.? Or at least faithful Catholics are supposed to act that way.? But politicians also have a set of dogmas - when an issue comes up for a decision, they will base their decision on their principles.? They are acting the same way as a religious person.? What they should be doing is deciding each issue on its merits using evidence and reason - not faith.

And it's not just the politicians - their supporters think like that too.? In effect, they have a religion that is what their party preaches.? They could also have a theist religion so would then have two religions - which may or may not conflict!?? Not every supporter accepts all of their party's dogma? - many choose based on the issues for each election.? That's just as well - otherwise we'd never get a change in government.

Let me highlight one "principle" for each Canadian party:

Conservative
A belief that the purpose of Canada as a nation state and its government, guided by reflective and prudent leadership, is to create a climate wherein individual initiative is rewarded, excellence is pursued, security and privacy of the individual is provided and prosperity is guaranteed by a free competitive market economy.

Liberal party
The Liberal Party of Canada is committed to the view that the dignity of each individual man and woman is the cardinal principle of democratic society and the primary purpose of all political organization and activity in such a society.

NDP
That the production and distribution of goods and services shall be directed to meeting the social and individual needs of people within a sustainable environment and economy and not to the making of profit;

So, simplistically, if an MP from each party were to be faced with a decision about the economy, a Conservative would support "a free competitive market economy", a Liberal would support "the dignity of each individual man and woman" (whatever that means) and the NDP would ensure the environment was looked after and no profit was made. In practice, few decisions on the economy can be made based only on these principles - or even all the party's principles.? Like any decision, the facts of the particular case must be known, all the options considered and the best choice made that was right for all those affected.? This requires an approach much like a scientist uses in establishing how things work.? What I'm afraid of is that politicians might use an approach used by religious? people e.g. "What does my religion (dogma) say? Let's do that."? Easy but not based on reason, logic or evidence.

Allan Gregg recently addressed Carlton University on this subject. (Text here - more from Allan in a column in the Toronto Star)? His thesis is that the Harper Government is using their Conservative dogma to make decisions and throwing reason out the window.? My view is that he is biased against Harper but that he has a point.? However, I would be very sure that other politicians would do the same - especially if they had a majority.? I think it's a problem with politicians, not just with Harper.

Viewed from Canada, the U.S. has the same problem but worse - the intransigence of both parties on the "fiscal cliff" issue is based on their ideologies (dogmas).? The solution is to stop treating politics like a religion but that's hard when Americans are so steeped in religion and see strong faith as a virtue.

?

Source: http://www.cobourgatheist.com/index.php?option=com_content&view=article&id=1527:is-politics-a-religion&catid=58&Itemid=165

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Gas prices boosted by weather forecast, LNG tanker bypass

LONDON (Reuters) - British prompt gas prices rose on Friday morning, snapping three straight days of losses, as cooler weather forecast for next week lifted demand expectations and a liquefied natural gas (LNG) tanker headed to North America instead of the UK.

Gas for immediate delivery rose 1.75 pence to 67.25 pence a therm at 0845 GMT due to a combination of factors including a tight supply-demand balance, lower temperatures from Sunday and the expected start of maintenance at Apache's North Sea Beryl Alpha platform in the current trading session.

Work at Beryl Alpha will shave 1.5 million cubic meters/day (mcm/day) of supplies from the UK's transmission system.

A forecast drop in temperatures from Sunday to 13 degrees Celsius extending into next week led traders to raise gas demand estimates by 20 mcm/day on the back of greater gas-fired heating demand.

Britain has received no LNG deliveries since October 1, and no tankers are currently expected at UK terminals, partly due to recent maintenance at two of the world's biggest liquefaction plants in Qatar, according to port data.

The Qatari vessel Al Mafyar, which has a track record of unloading at the UK's South Hook terminal, disappointed expectations of a delivery by signalling North America as its intended destination.

Analysts and traders expect higher numbers of LNG tanker deliveries in November after Qatargas said it had restarted production lines 4 and 5 after planned works.

Norway, Britain's other major gas supplier, on Friday warned that major maintenance programmes would hit output in the last three months of the year, potentially disrupting flows to the UK.

However, it said repairs would be split equally between Norway and its international operations, meaning supply losses to the UK may be less than expected.

Britain's gas market was undersupplied by about 4 mcm/day, with demand pegged at 246.9 mcm/day.

Month-ahead gas prices rose 1.2 pence to 67.30 pence.

Further forward, the benchmark summer 2013 gas price rose about 0.20 pence to 62.15 pence.

In Britain's power market prices for day-ahead delivery climbed 6.25 pounds to 56.75 pounds per megawatt-hour (MWh) as gas market sentiment fed through to power.

A total of 2,870 MW of nuclear capacity was offline Friday morning due to outages at Magnox's Wylfa 1 unit, EDF Energy's Hinkley Point B-7, Dungeness B21 and its Heysham 1-1 and 1-2 reactors.

(editing by Jane Baird)

Source: http://news.yahoo.com/uk-gas-prices-boosted-weather-forecast-lng-tanker-105100330.html

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Obama rebuts claims he?s lying about Benghazi attack

President Barack Obama speaks during a campaign rally in Richmond, Virginia. (Kevin Lamarque/Reuters)President Barack Obama on Friday forcefully denied deliberately misleading Americans about the deadly attack on the US consulate in the Libyan city of Benghazi, telling radio host Michael Smerconish, "I've always been straight with the American people."

Speaking to Smerconish during a 15-minute Oval Office interview, Obama also declared he was?"absolutely" prepared to kill those behind the assault but would prefer to capture them and "bring them to justice."

Asked whether the Administration's shifting explanation for the September 11th strike reflected the intelligence he was receiving, Obama replied: "What's true is that the intelligence was coming in and evolving as more information came up.

"And what is true," he continued, "...This is something that the American people can take to the bank -- is that my administration plays this stuff straight. We don't play politics when it comes to American national security," the president said. "As information came in we gave it to the American people. And as we got new information, we gave that to the American people."

When and if the location of those behind the attack is known, Smerconish asked, "Will you take that person out without regard for the election timetable?"

"Absolutely," Obama replied. "But I think our goal would be to bring them to justice."

Questions have arisen about Obama's response to the "Arab Spring" occurring in countries across the broader Middle East. State Department officials have acknowledged turning down requests for more security in Libya. And Republicans have questioned the president's truthfulness after the administration spent days, they say, blaming the assault on reaction to an Internet film that ridicules Islam. Yahoo News reported in late September American officials had concluded on "Day One" that terrorists were behind the siege. But?The Wall Street Journal reported Monday that Obama's "presidential daily brief" from the CIA tied the assault to on a spontaneous protest linked to the video ? despite intelligence contradicting that scenario.

Asked whether he knew Americans in Libya had asked for more security, Obama replied: "I was not personally aware of any request. Obviously we have an infrastructure that's set up to manage requests like that," in reference to the State Department.

"But we're going to find out exactly what happens," he said. "Ultimately, though, any time there is a death of an American overseas, I want to find out what happened, because my most important job as president is keeping the American people safe."

"And we will get to the bottom of what happened, and we're going to make sure most importantly that those who carried it out, that they are captured," Obama said.

He also said he takes "full responsibility" for the circumstances in the attack, in which Ambassador Chris Stevens and three other Americans were killed. The suspects have not been publicly or conclusively identified, though Egyptian officials say a man suspected to have been involved was killed Wednesday in a shootout in the capital, Cairo.

"My biggest priority right now is bringing those folks to justice. And I think the American people have seen that's a commitment I always keep," the president said, an apparent reference to the bin Laden raid.

Obama harshly criticized Romney for his response to the crisis. The former Massachusetts governor, in his first statement, implied the Administration had sided with the attackers. Smerconish asked whether Romney's criticisms of the changing explanation for the attack were "disingenuous," given he started getting intelligence briefings himself (though they only began roughly one week later on September 17).

"He certainly understood that when our diplomats are still under fire ? not just in Benghazi but around the world, in Cairo, in Pakistan, etc ? that if you aspire to be commander in chief you don't release a political press release.," Obama said. "You don't have a political press conference that tries to take advantage of that opportunity that is so reckless that even members of your own party criticize you for it."

The president said a top priority was making sure that Americans are kept informed on matters of national security "within the constraints of classified information that would endanger folks in the field, so that people can have confidence that their president and everybody involved in national security is working for them."

Asked whether Romney had toned down his sharp criticisms on Libya because of what he learned in intelligence briefings, Obama said he doubted his rival was "constrained" by facts. "I just don't think that that was getting a lot of political traction for them," he said.

Obama was not asked about, and did not bring up, a report by Fox News Channel that American officials repeatedly asked for military help during the assault but were rebuffed by CIA higher-ups. A spokesman for the president's National Security Council did not acknowledge a request for comment on that report. But Defense Secretary Leon Panetta made a comment Thursday about "Monday morning quarterbacking," saying a clear picture of events on the ground leading up to the attack has not yet emerged.

Source: http://news.yahoo.com/blogs/ticket/obama-denies-misleading-benghazi-vows-capture-plotters-184349903--election.html

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