Thursday, May 31, 2012
San Diego Flood Insurance rate decrease
New rates for some San Diego residents. However, we can save you even MORE than this with our lender approved program. call now and start saving!
Residents in the unincorporated areas of the County are now eligible for another 5 percent reduction in flood insurance rates, thanks to the efforts of County Watershed Protection staff. The staff have already worked to bring in a 15 percent rate reduction and with the additional 5 percent off, homeowners will save a total of 20 percent off their flood insurance bill.
?This is very good news for County residents who will be paying less for flood insurance,? said Board of Supervisors Chairman Ron Roberts. ?In these economic times any and all cost savings are enthusiastically welcomed.?
The rate reduction goes into effect in October.
To get the lower flood insurance rates, the County complied with a comprehensive list of standards and requirements outlined in the Community Rating System (CRS), a program administered by the Federal Emergency Management Agency (FEMA).
Every five years FEMA conducts on-site inspections and interviews to verify the County?s compliance. FEMA grades the County on categories ranging from managing storm water, to enforcing regulations, maintaining maps of storm water systems and conducting public education campaigns.
The County maintains an extensive drainage system that includes storm drain inlets, pipes, and channels. The County flood control department uses digitized and overlay maps in the day-to-day management of the floodplain and provides flood zone information such as the timely identification of impending flood threats and latest flood insurance rate maps.
In addition to disseminating warnings to residents in the floodplain, the County coordinates flood response activities. The County enforces building code regulations for new and improvement construction, land development, storm water management, soil and erosion control and water quality, as well as compliance with other state policies.
An extensive public education program includes information on state regulations, flood hazards, and even technical advice. CRS credit is also given for preserving nearly 5,600 acres of open space in its natural state.
In 2009, the County was designated as a StormReady Community by meeting specific standards set by the National Weather Service (NWS), including developing safety plans for severe weather, conducting public awareness campaigns and safety training and creating a communications infrastructure. Public notification procedures were also implemented during weather alerts to ensure public safety. This StormReady designation also contributed to additional flood insurance rate reductions.
The Engadget Show 33: Indie Game: The Movie, Fifth Avenue Frogger and The Art of the Video Game
E3 is rapidly approaching, but why wait until then for some hot video game action? We've got a veritable electronic entertainment expo of Engadget Show goodness coming at you this month, including an interview with the directors of the award winning documentary, Indie Game: The Movie. We've also paid a visit to the Smithsonian to check out the museum's Art of the Video Game exhibit and took a look the insanely awesome Fifth Avenue Frogger arcade machine hack.
We've also got a look at the newly reborn Chinatown Fair arcade in Manhattan and E3 predictions with with Joystiq's Ben Gilbert. And, as always, we'll have the month's latest and greatest gadgets, including the Samsung Galaxy Nexus for Sprint, the HTC Evo 4G LTE, the Samsung Galaxy Tab 2 10.1 , the ASUS Transformer Pad TF300 and two new iCade creations. Can you handle all of that? Good! Check out the video after the break.
Gallery: The Engadget Show 33: Indie Game: The Movie, Fifth Avenue Frogger and The Art of the Video Game
Hosts: Tim Stevens, Brian Heater
Guests: James Swirsky, Lisanne Pajot, Ben Gilbert and Tyler DeAngelo
Producer: Rob Samala
Director: Michelle Stahl
Executive Producers: Brian Heater, Joshua Fruhlinger and Michael Rubens
Download the Show: The Engadget Show - 033 (HD) / The Engadget Show - 033 (iPod / iPhone / Zune formatted) / The Engadget Show - 033 (Small)
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The Engadget Show 33: Indie Game: The Movie, Fifth Avenue Frogger and The Art of the Video Game originally appeared on Engadget on Wed, 30 May 2012 16:30:00 EDT. Please see our terms for use of feeds.
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New concerns over safety of arsenic in drinking water
How safe is our drinking water? Baby mice have severe growth problems when their mothers were given water containing arsenic ? at levels considered safe for humans ? when they were pregnant and lactating.
Arsenic in drinking water has been linked to many health problems. The US Environmental Protection Agency (EPA) states that water containing up to 10 parts per billion (ppb) of arsenic is safe. As many as 25 million people in the US, and many more worldwide, get their water from unregulated wells and so drink water with an arsenic concentration that exceeds this level.
Joshua Hamilton at the Marine Biological Laboratory in Woods Hole, Massachusetts, and his colleagues gave water containing arsenic at 10 ppb to pregnant and lactating mice, then monitored the development of their pups.
The pups grew more slowly than those in a control group containing mother mice that drank arsenic-free water. The arsenic was not passed to the pups through their mother's milk, but it limited the nutrients that the milk contained.
Humans and mice show significantly different responses to arsenic, but the results are still important, says David Polya at the University of Manchester, UK, who was not involved in the work. "The adverse health effects observed here add support to concerns over the adequacy of the 10 ppb recommendation."
Level drop
The EPA last reduced the recommended limit in 2001. Until then, it had been set at 50 ppb. It was lowered to 10 ppb after concerns about cancer risks.
"Since then, research at lower and lower exposure levels have been performed," says Clark Lantz at the University of Arizona in Tucson.
The EPA is convening an advisory panel to evaluate the human and animal data on arsenic risk for non-cancer diseases to determine whether the 10 ppb limit is adequate to protect human health, says Aaron Barchowsky at the University of Pittsburgh in Pennsylvania.
"An important question is whether reducing the current limit further would be an improvement for public health that is economically sustainable," he says, adding that reducing the limit to 2 ppb could cost trillions of dollars to enforce in the US.
Journal reference: PLoS One, DOI: 10.1371/journal.pone.0038249
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Sprint gives update on EVO 4G LTE inventory status
So about that Sprint HTC EVO 4G LTE ... We know it's cleared Customs, following that pesky International Trade Commission review. And we know preorders have and are still being delivered, but apparently the bulk of the phones are still in transit. Sprint this morning has given us a bit of a non-update update, which reads thusly:
While Sprint customers who pre-ordered their HTC EVO 4G LTE received their device last week, Sprint continues to wait for our full inventory from HTC.
We recently learned that HTC devices have been released by U.S. Customs. We expect shipments of HTC EVO 4G LTE to enter the U.S. in the next few days. An exact availability date for HTC EVO 4G LTE will be communicated as soon as possible.
We’ll continue updating this post as we have new information to share.
Thank you everybody for your interest and continued patience.
So in-store availability is still up in the air. Soon as we know something, you will, too.
Source: Sprint; More: EVO 4G LTE forums
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Streetlights Draw Insects At Ground Level
60-Second Science |
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More insects, including many carnivores and scavengers, hang out under streetlights than between them, even during the day. Christopher Intagliata reports.
May 30, 2012?|
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How does a Venus flytrap know when to snap shut? Can it actually feel an insect?s tiny, spindly legs? And how do cherry blossoms know when to bloom? Can they...
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You've probably seen clouds of insects swirling round a streetlamp at night. But something you may not have noticed is that streetlights attract bugs to the ground below them, too?especially carnivorous bugs, like beetles. So says a study in the journal Biology Letters by researchers at the University of Exeter. Thomas W. Davies, Jonathan Bennie and Kevin J. Gaston, Street lighting changes the composition of invertebrate communities]
The researchers set up 28 traps in the grass below and between streetlamps in the English town of Helston, in Cornwall. They collected captured insects at dawn and dusk over three days, and ended up with nearly 1200 specimens. Turns out, more bugs hung out under the lights than between them. And that was true at night and day?suggesting that streetlights permanently upped the value of the buggy real estate below them.
The researchers also found greater numbers of predators and scavengers under the lamps?like ground beetles, harvestmen and ants?because it may be easier to hunt for prey with the help of a spotlight.
With artificial lighting increasing globally at six percent a year, the authors say there's a chance light pollution could shake up food webs in unforeseen ways. Call it a bug in the system.
?Christopher Intagliata
[The above text is a transcript of this podcast]?
?
Acting in Unison Stirs Up Aggression
See Inside
Moving in unison can encourage aggression
?| May 30, 2012
Image: Ahmad Faizal Yahya/iStockphoto
In this groundbreaking adventure into the worlds of psychopaths, the renowned psychologist Kevin Dutton argues that there is a fine line between a brilliant...
Read More??
Military leaders have long known that marching in unison makes for a tight-knit platoon. Past research by psychologist Scott Wiltermuth of the University of Southern California Marshall School of Business suggests that this cooperation emerges when the group members? emotions are aligned. Now he finds such synchrony can also encourage aggression, according to a study published in January in the Journal of Experimental Social Psychology.
Wiltermuth and his colleagues assigned subjects to groups. The researchers gave each group a set of cups and taught them a choreographed cup-moving routine that they would perform later to music. To create an atmosphere of competition, the researchers tasked them with memorizing a list of cities?they would be tested later, and the highest-scoring groups could win $50. Then all participants put on headphones and performed the cup routine in time to the music they heard. In some groups, participants ended up moving the cups in sync with one another; in other groups, each subject heard music with varying beats and could not coordinate with other participants. After completing the cup activity, the researchers told each group they could select the music a different group would hear during its cup-moving routine. One of the options was a loud, aggravating blast of static. Teams that had moved in sync were more likely to choose the noxious noise than those that had been out of sync. A more tightly knit team, it seems, is a fiercer foe.
In a companion study, to be published in Social Influence, Wiltermuth found that members of an in-sync group were also more destructive. The groups were given live pill bugs and told to shoo them into boxes described as ?exter?minators? (in reality, the boxes held the bugs unharmed). When prompted by a leader, those that had moved in sync earlier drove 54 percent more insects into the extermination boxes than did out-of-sync control subjects.
Wiltermuth explains that these findings underscore the importance of questioning our actions and those of our leaders. ?We are doing things we wouldn?t otherwise do, because we feel an emotional connection to our team,? he says.
This article was published in print as "Emotions in Lockstep."
Twitter index: Kanye West and Jay-Z debut 'No Church In The Wild' music video
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IT security training event in Morocco by SANS ? MoroccoTomorrow ...
SecurityPark.net
IT security training event in Morocco by SANS
SANS Europeis pleased to present its first ever event in Morocco this August following rising demand for IT security training from across North Africa. SANS Morocco 2012 will run consecutively from August 27th to September 1st at the Le Royal Mansour Meridien in Casablanca.
?Over the last few months, we have received a huge number of requests from the SANS community in North Africa to hold an event within the region,? explains Gareth Dance, GSEC Conference Director, EMEA SANS Institute, ?In response, we have decided to run two of our most popular courses and we invite students interested in the event to apply early as places are limited and filling up quickly.?
The Security 401: SANS Security Essentials Bootcamp Style offers the opportunity to learn the language and underlying theory of computer security. The course also offers essential, up-to-the-minute knowledge and skills required for people responsible for securing systems and organizations. The six-day course will be taught by Jim Herbeck, SANS Certified Instructor and co-founder of the Business Information Security Competency Center at the Geneva School of Business Administration. Security 401 is also is endorsed by the Committee on National Security Systems (CNSS) NSTISSI 4013 Standard for Systems Administrators in Information Systems Security (INFOSEC).
SANS Certified Instructor Steve Armstrong will be teaching the SANS Security 504: Hacker Techniques, Exploits & Incident Handling. The six-day course is aimed at helping information security professionals understand attackers? tactics and strategies with hands-on experience in finding vulnerabilities and discovering intrusions. The course is designed to equip IT professionals with a comprehensive incident handling plan and the legal issues associated with responding to computer attacks, including employee monitoring, working with law enforcement, and handling evidence.
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Keeping up with photos of your kids? | The Next Family
By: Tanya Ward Goodman
?Where are my baby pictures??
This is a question my daughter has asked before. It?s a legitimate question. Our so-called ?family? scrapbooks peter out just after her birth. There are many reasons for this, the largest being that for me, having two children both under the age of three meant I had time to get us fed and dressed and that was about it.
When my son was born, I was still using a 35 mm camera, which resulted in 35 actual photos (of which, maybe three were worth saving). I mounted those photos, along with an assorted ephemera of ticket stubs, brochures, baby announcements and whatnot, on the thick black paper pages of a bound scrapbook. I wrote little notes about the who-what-when-wheres of the photos. I took the time to revel in my nostalgia for the very recent past.
When my daughter was born, I shot thousands of photos on a digital camera. I downloaded those images onto my computer where they piled up in no particular order. Out of focus shots taken by accident of the inside of my nose lined up next to critical documentation of my daughter?s first steps, her first birthday, her first day of school.
Time marched on.
Every so often, we?d sit down in front of the computer and click through a few hundred photos. But it wasn?t very cozy.
Every so often, I?d start to make a book using IPhoto or Shutterfly, but the computer would crash or the photos would take forever to upload and I?d lose patience or interest or both. Besides, we were living in the now, there was no time to look back. We had soccer games, school fairs and Halloween Parades to attend, birthday cakes to bake and Thanksgiving turkeys to roast. There were latkes to fry and trips to plan, pack for, and enjoy.
Seven years went by without a single scrapbook.
?Where are all my baby pictures??
The question was asked again.
So I spent a week going through photos. I made seven books on IPhoto, one for each year. A new scrapbook arrived in the mail every few days and we sat on the sofa and laughed and talked and remembered. Seven years? worth of birthday parties, egg hunts, holiday feasts, and travelling adventures. Good friends and a loving extended family surround us. My daughter turns the pages again and again to see herself turn from a baby to a tall and graceful girl. Her life looks pretty great.
Pakistan truckers: We're ashamed to help NATO
KARACHI, Pakistan?? Pakistani truck drivers who deliver supplies to Western forces in Afghanistan seethe whenever they recall a cross-border NATO air attack that killed 24 Pakistani soldiers last year.
Despite their anger, financial survival outweighs nationalist sentiment and the shame of helping what many see as the enemy.
The drivers hope that talks between the United States and Pakistan on reopening the routes, which were closed six months ago in protest over the raid, will soon produce a breakthrough.
Pentagon: Mistakes led to deadly NATO attack on Pakistan post
They are eager to get back on the road, even though they will again risk running into attacks by Taliban militants who violently oppose the movement of goods to NATO through Pakistan.
AK-47 assault rifles
Malik Abdul Raoof, 23, recalled how militants in dark clothes clutching AK-47 assault rifles often stopped and threatened him near the Afghanistan-Pakistan border.
"They asked 'why do you take supplies to the infidel Americans?'. They said 'you are an American informer'," he told Reuters at a massive makeshift truckers' parking lot that stretches for miles along the coast in Pakistan's biggest city, Karachi.
"They made me recite Quranic verses, quizzed me on how Muslims pray. When they let me go they told me to grow a beard. I am scared and I don't like it but I have to earn (money)."
Video: U.S.-Pakistan rift over conviction of doctor (on this page)The al Qaida-linked Taliban routinely open fire on trucks. Casualties are limited, but the attacks are dramatic. Bullets puncture fuel tanks, igniting huge fires.
Militants also set off homemade bombs to destroy container trucks packed with food, clothes and other items for NATO.
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'Schizophrenic ally': $33M in Pakistan aid to be axed?
More than 1,000 vehicles have been destroyed by militants or criminal gangs in the last decade, according to the All Pakistan Oil Tankers Association.
Still, thousands of drivers are itching to get back to work to fetch 20,000-25,000 rupees ($215-269) per round trip.
Report: Obama changes definition of 'civilian' in drone wars
To break the monotony, they play cards on cloth sheets spread on the dusty ground, listen to music and repair and paint their run-down vehicles. Some just sleep the time away in the shade of their trucks.
The November NATO attack and Pakistan's closure of the routes ? which account for just under one-third of all cargo that NATO moves into Afghanistan ? plunged ties between Islamabad and Washington to their lowest point in years.
Video: Rising U.S.-Pakistan tension (on this page)The supply lines are considered vital to the planned withdrawal of most foreign troops from Afghanistan before the end of 2014.
U.S. and Pakistani negotiators are deadlocked on transit fees for container and fuel trucks. Pakistani officials have denied reports Islamabad is demanding unreasonable amounts.
'I'm desperate'
Idle drivers care little about Pakistan's stance, or efforts to repair ties with the United States, the source of billions of dollars in aid. It all comes down to their own bottom line.
"The United States is responsible for killing our soldiers. The culprits should be shot dead," said Mohammed Nawaz, 24, looking across a sea of trucks. "I consider the money made from driving NATO trucks despicable, forbidden. But I'm desperate."
Brother of doctor who helped CIA seeks US protection
NATO, for its part, has been diversifying its supply lines into Afghanistan.
After a string of disruptions, the alliance and the U.S. military decided to reduce their reliance on Pakistan, turning instead to routes that pass through either Russia or the Caucasus across central Asia into northern Afghanistan.
That could spell bad news for those drivers who have become shady entrepreneurs of danger along the two routes through Pakistan ? one across the Khyber Pass to Kabul, and another crossing the Baluchistan province to Kandahar.
PhotoBlog: Fuel tankers sit idle in Pakistan
Senior officials at the All Pakistan Oil Tankers Association said some destroy their own trucks and claim it was a Taliban attack to collect insurance money.
"The fight is all about money, at every level. The governments, the Americans, the workers (truck drivers)," said Shafiq Kakar, a senior member of the association.
Aid workers targeted amid new Pakistan crisis
Some truckers stage explosions and pretend NATO goods are lost in attacks, then sell part of the consignment to traders, said association officials.
"I am praying that NATO supplies are resumed soon so that my business can take off again," said one trader in the northwestern city of Peshawar who does business with corrupt truckers and contractors.
"A lot of the material stolen from containers, especially uniforms and boots, is (even) bought by the Taliban's people."
(c) Copyright Thomson Reuters 2012. Check for restrictions at: http://about.reuters.com/fulllegal.asp
EU calls for 'banking union' to ease crisis
European Commissioner for Economic and Monetary Affairs Olli Rehn addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)
European Commissioner for Economic and Monetary Affairs Olli Rehn addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)
European Commission President Jose Manuel Barroso addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)
European Commission President Jose Manuel Barroso addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)
European Commission President Jose Manuel Barroso addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)
European Commission President Jose Manuel Barroso reacts as he addresses the media on the next steps for stability, growth and jobs, at the European Commission headquarters in Brussels, Wednesday, May 30, 2012. (AP Photo/Yves Logghe)
BRUSSELS (AP) ? The European Union's executive office on Wednesday said the 17-country eurozone needs a "banking union" that can centrally oversee and ? if needed ? bail out the sector, which has become a weak link in the continent's financial system.
Fears that the cost of bank rescues could cause governments to need bailouts of their own have been fueling Europe's debt crisis in recent months.
Spain is in a particularly bad situation because its banks are not only holding massive amounts of shaky government bonds but also sitting on huge losses on real estate investments. The country's borrowing rates have hit record highs this week as investors worry it does not have the money to save its banks. One of them asked for ?19 billion ($23.6 billion) last week.
But Europe's attempts to address the weakness of some countries' banking sectors has been hindered by the lack of a central authority with the power to tell banks what to do to improve their balance sheets. That power remains in the hands of the dozens of national regulators.
Highlighting the urgency of the issue, the European Commission suggested Wednesday that regulation of the entire eurozone banking sector be done centrally and that the cost of bailouts be shared.
"Ambitious steps to accelerate and deepen financial integration may be needed. Already before the crisis, it was acknowledged that the EU model of cross-border banking was not stable," the Commission said in a report on how to deal with the financial crisis which has pushed the shared single currency to the brink of breakup.
Part of the proposal would see the eurozone's permament bailout fund, the ESM, charged with helping pay for bank bailouts. That would protect individual governments from having their public finances overwhelmed by the cost of rescuing a bank.
"Direct recapitalization by the ESM might be envisaged," the Commission's report said.
EU Commission President Jose Manuel Barroso said the ESM should be better able to help out troubled banks across national borders if need be. In the future, "the building blocks could include a banking union with integrated financial supervision and a single deposit guarantee scheme," he said.
Germany, however, has long been against such an arrangement because, as the currency bloc's paymaster, it would fund the lion's share of any expenses the European bailout fund runs into. German Chancellor Angela Merkel's spokesman, Steffen Seibert, said there was no change in the country's views: "The German position on direct recapitalization of banks from the European rescue fund is known."
EU Commissioner Olli Rehn cautioned that the plan might call for the reopening of an EU treaty, a politically risky affair in the best of circumstances.
The European Commission also made specific recommendations to nations mired in the financial crisis on how to manage its national budgets and rein in debt and spending.
Spain, which is currently the focus of the European financial crisis, should be given an extra year ? to 2014 ? to get its budget deficit back within European targets.
Rehn said the Spanish government should be given such an extension only if it can effectively control the excessive spending in the semi-autonomous regions and present "solid two year budget plans for 2013 and 2014."
In this case, "we are ready to consider proposing an extension of the deadline to correct the excessive deficit by one year," Rehn said.
Spanish financial markets improved briefly on the news, with the government's 10-year bond yield edging down. The respite proved short-lived as investors focused on the longer-term challenges facing Spain, which is in its second recession in three year, suffers unemployment of near 25 percent and has not yet made clear where it will find money to fund its latest bank rescue, of lender Bankia.
The commission also recommended that Spain "accelerate the increase in the statutory retirement age," and take steps to reintegrate elderly people in the job market. The commission said Spain should tax labor less and rely more on environmental and consumer spending taxes.
In France, as in many other countries, the Commission recommended the country "adopt labor market measures to ensure that older workers stay in employment longer" as well as take steps to make young people more employable.
The commission recommended that Ireland correct its excessive deficit this year, and take further action to address youth unemployment. It also said Ireland needs to pursue the fight against tax evasion, and simplify the regulatory framework for businesses.
European leaders will consider the Commission's recommendations before making a ruling at a summit in June.
___
Geir Moulson in Berlin and Don Melvin in Brussels contributed to this report.
Associated PressWednesday, May 30, 2012
Retention Confusion | HR Examiner with John Sumser
The temptation to hide incompetence with buzz words extends from business models to HR Strategies. We watch in wonder as lemmings who want a career in marketing try to talk about ?modifying the value proposition?. We think this is something they do to avoid the harder work of identifying potential customers. ?Modifying the value proposition? is the current code for ?nobody wants what we?re selling?.
Sometimes, it seems like we?re surrounded by zombies who can only repeat what they?ve read and are incapable of independent thought.?The ?search? for a ?business model? (which means ?we haven?t figured out how to make more money than we spend?) has become the fuzzy cover-up for what, in other times, might be referred to as ?failure?. The problem is roughly analogous to the old joke ?we?re losing money on each unit we ship but we?re going to make it up on volume?. This latter notion can be generalized as ?we?re discovering the path to profitability?.
There is an inverse correlation between college Grade Point average and tenure. That?s right, the higher the GPA, the shorter the tenure. When people talk about ?retention? as an HR Strategy, this is the dynamic they are trying to fix. The ?attrition? problem (which ?retention? is supposed to fix) means that the really bright ones who work hard and exceed their objectives don?t stay very long. Nobody is really trying to retain the ?D? students. We all secretly hope that their attrition rates will skyrocket. They never do.
Getting the high performers to stay a little longer is a resource decision. As they get better at working the culture, the value they deliver grows disproportionately to the rest of the culture. It?s tough to want to pay them directly for the value; that creates the ? managerial problem of explaining why two workers who seem to have the same job make discrepant salaries. Ultimately, the difference between compensation and performance sends the high performers elsewhere.
People leave their companies when the cost of staying exceeds the reward of leaving. Without burrowing too far into the details, cost includes a broad range of compensation variables from challenge and responsibility to actual financial gain. If a retention program focuses on the delivery of additional responsibility and challenge, it simply shortens the tenure of the high performer. Responsibility and challenge equate to additional compensation on the open market.
This raises counterintuitive questions:
- ?Isn?t it better to have lots of high performers leaving faster than a few who stay for a long time??
- ?Can?t you make the case that high attrition rates are a symptom of a powerfully successful culture??
- ?Isn?t ?retention? an indicator of failure??
The reason that the logic is so murky is that ?retention?, like ?business model?, is a code word. It means ?we can not allocate Human Capital with precision? and ?we don?t know exactly how long we need to keep a person with X qualities?. When you encounter a company busily working on retention programs, you are witnessing a failure of planning at a detailed level.
Helpful Suggestions For Buying Real-estate
You think you truly know each and every idea there is to know about purchasing real estate property? There are items that even experienced purchasers do not know. The guidelines provided in this post are right here to help anyone that is thinking about shopping for any sort of real estate property.
Seek information to discover more on potential attributes and what you can fee for rent. In case you are thinking about a rental property or home, look at the adhering to functions before signing the closing paperwork. The first one being sustainability. Could this be home in good problem and will it just demand minimal maintenance? The next function will be the property?s place. Area is very important for the majority of properties that will be used as leases. As a landlord, you will need to smartly select an area that is certainly available to many stores and suppliers of providers on your tenants. The next one is the area?s regular revenue. This is extremely essential mainly because that a better leasing quantity could be charged for the area of higher earnings. If the property is in a top lease region, location will not be the same measure of problem because it is for a reduce lease region.
When deciding on a realtor for your home look for, find out how lengthy they resided because area. The a lot less practical experience they have, the less they will certainly understand the prospective area. An agent with 10 or even more numerous years of experience in your neighborhood is ideal.
Any time you purchase real estate property, be mindful of your own conclusion desired goals. Do you want to focus on accomplishing your quick-period objectives or your extended-period objectives? Don?t give some thought to components that don?t meet your pre-established standards. Most property or home users don?t enure their requirements are dealt with, and they lose out on a good investment.
Various programs are available to aid by using a lower transaction on property, and you ought to investigation them to select which one you can be eligible for a. These applications could make conserving to acquire a home a lot less of economic stress for you, especially if you can also convince the seller to take care of the purchase?s shutting down costs.
When in the market to get a whole new home, usually consider your very long-period circumstance. Right now you may be childless, but it really doesn?t harm to think about such things as school districts if you feel you could continue to be in your house lone ample to have youngsters.
Analysis what kinds of houses can be found in the community. That is certainly important, considering that you may not wish to buy the best, greatest residence within the neighborhood. In the event you, your own personal home?s importance will be lessened as a result of decrease worth of other properties in the city.
Regardless of what downward repayment your mortgage loan business stipulates, ensure you have it. In case you don?t, you can end up investing in exclusive mortgage loan insurance, also called PMI. This provides up to extra cash you need to pay per month as a way to show the lender you possibly can make the house loan repayments.
If you are thinking about making an investment in real estate property, then you need to know how to find the most reputable resources, in both person and internet based. This short article will get you off and away to an excellent start. If you would like more relaxation in shopping for home, you will need very much better familiarity with all the procedure.
If for any reason you want additional details on homes in hampton va take a look at Rosella F. Bloodsaw?s site there is loads of details not outlined on this page, take a look at Author?s blog to discover more information.
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Colombian rebels free French reporter after month in captivity
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Virus Victors: People Who Control HIV
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Bruce Walker, professor of medicine at Harvard Medical School and director of the Ragon Institute of Massachusetts General Hospital, M.I.T. and Harvard, talks about his article in the July issue of Scientific American magazine called "Controlling HIV," about rare individuals who never develop AIDS after being infected by the virus
May 29, 2012?|
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How does a Venus flytrap know when to snap shut? Can it actually feel an insect?s tiny, spindly legs? And how do cherry blossoms know when to bloom? Can they...
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Bruce Walker, professor of medicine at Harvard Medical School and director of the Ragon Institute of Massachusetts General Hospital, M.I.T. and Harvard, talks about his article in the July issue of Scientific American magazine called "Controlling HIV," about rare individuals who never develop AIDS after being infected by the virus.??
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The Most Ignored Dynasty in Sports
Nor is it credible to attribute the Spurs? obscurity to San Antonio?s alleged ?small market? status, a hoary clich? that fails to notice the extraordinary population growth in Texas since the ABA-NBA merger brought the Spurs into the league. It?s true that San Antonio remains considerably smaller than New York, Los Angeles, Chicago, or even Dallas and Houston. But it?s far from the NBA?s smallest market. The San Antonio metropolitan area?s 2.2 million inhabitants ranks it above Sacramento, Orlando, Cleveland, Indianapolis, Milwaukee, Memphis, New Orleans, and not least of all Oklahoma City.
Building Wealth in the Stock Market: A Proven Investment Plan for ...
Building Wealth in the Stock Market: A Proven Investment Plan for Finding the Best Stocks and Managing Risk
Building Wealth in the Stock Market: A Proven Investment Plan for Finding the Best Stocks and Managing Risk - Product Description
Building Wealth in the Stock Market provides a complete model for investing successfully and safely in bull and bear markets. Experienced investor and teacher Colin Nicholson shares with readers his very own investment plan?-- one that has been honed over 40 years and that has seen him consistently beat the market and his target rate of return.
Everything in Nicholson's investing method is fully disclosed simply and with a minimum of market jargon. The central idea is how to manage risk in order to grow capital and secure a stream of dividends. The various risks to be managed are explained, along with strategies for managing them. Aspects also covered include:
- how to improve your decision-making skills, modelled on the way the best investors think
- what is needed to succeed and why having an investment plan is crucial for success
- how to select stocks, using charting and fundamental ratios in combination to achieve a margin of safety
- how to manage your portfolio?-- when to buy, how to build a position, when to cut losses and when to take profits.
The methods are brought to life through case studies based on real investments and the sharing of insights gained from years of experience and research. This book will change the way you think about the stock market forever.
Building Wealth in the Stock Market: A Proven Investment Plan for Finding the Best Stocks and Managing Risk - Details
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Paul Williams Paralyzed After Motorcycle Crash
Boxer Paul Williams has been seriously injured in a motorcycle accident near Atlanta, the fighter's promoter said, and is currently paralyzed from the waist down.
The 30-year-old Williams, who was set to fight world champion Saul "Canelo" Alvarez, on Sept. 15 at the MGM Grand in Las Vegas, cannot feel his legs.
Dan Goossen, his promoter, added that the left-handed fighter is scheduled to undergo surgery at an unidentified hospital. Williams resides in Aiken, S.C.
Goossen said he was told by Williams' manager and trainer that Williams swerved to avoid contact with a vehicle Sunday and lost control of his motorcycle.
"Riding a motorcycle can be treacherous," Goossen said of the tragedy. "I'm told Paul is in remarkably good spirits considering what has happened."
Asked if Goossen has been told Williams will never fight again, the promoter said, "Our thoughts aren't there right now. He's undergoing this procedure."
"We're hoping he can get back on his feet after that. That's all we're hoping for."
An Augusta, Ga., TV station, WRDW, reports that the boxer's surgery will aim to stabilize the healthy upper half of his spine by putting a protective wall around it.
The 6'1" Williams (41-2, 27 knockouts) defined himself as an active punching southpaw who could fight anywhere between welterweight and middleweight.
Here's wishing him the most complete and prompt recovery possible.
Single-Family Home with Attached Studio Available in Kailua ...
Kailua is full of charming single-family homes, and all of them offer up a unique style and flavor for a potential buyer. This particular listing is a quaint single-family home available in Kailua. With a nice piece of living space, and an attached studio with its own entrance, this quaint little single-family home is definitely a must see for any potential homebuyers.
MLS# 1204600
Located at 364 Manono Street in Kailua, this 3-bedroom, 2-bathroom single0family home has almost 1,00 square feet of living space and also has an attached studio that has its own private entrance.
This single-family home is perfect for a small family, or someone who is looking to rent out the studio or use it as a home office. The home itself sits on almost 6,000 square feet of land, so you are getting a nice sized parcel of land with the purchase as well.
The lawn is completely landscaped and the home is in a very private setting. You can rest secure knowing that your family will be safe in this excellent setting. One of the best things about this single-family home in Kailua is the very large decks that are attached to the home. Perfect for lounging with the family or entertaining friends, these decks are absolutely beautiful.
If you are on the market for a quant and cozy single=family home, then this listing is definitely a great place to start. With all the comforts and amenities of Kailua around you, this home is the perfect place to set up shop and enjoy life on the windward side of Oahu.
Take this opportunity to view this listing and many other great listings that are available in the Kailua area of windward Oahu. With single-family homes and condos available, you never know what type of deal you may find.
View more Kailua homes today!
Keyed alike padlocks - berlingrandslam.com | blog focus on home ...
That basically means that if you buy a number of key-lock both the same size and type of guarantee they are also the same no matter how many you order. All keys to all locks will work with each other. However, for security reasons, this does not mean that all orders are keyed alike padlocks will be the same. We do keep records of all orders, so buy more to lock or key device in the future. If you have previously purchased from us both a key lock and then simply you can order the same type of lock, and we will match it to you again last place, unless otherwise specifically requested. Read more locks keyed alike.
Capstar is known as a individual quantity of a pill presented to your ...
Innovations throughout external flea programs now allow canine owners available numerous flea medication with regard to canine that can be reasonably priced together with be assured. Most are far with the flea mud, potent flea falls along with other strategies we certainly have used by numerous years in an effort to guard pups belonging to the uncomfortableness and also health hazards resulting from flea gnaws.
Frontline flea products and solutions make available simultaneously your topical ointment Comfortis treatment solution as well as a aerosol which can be easier on the wallet for everyone using a number of puppies or even pet cats. The location in treatment therapy is one of the most known as they can be neat and clean to submit an application whilst the bottle of spray is often chaotic additionally, the owner should be careful to avoid inhaling and exhaling wartrol.
When purchasing flea services costs are one Comfortis factor. The greater organisms regulated by way of the flea western mediterranean sea, the higher the rate. Then again, a number of dog owners love to purchase one supplement that supplies wide ranging security and not investing in a number of products which are actually certain to parasite. Authorities you should purchase discount dog or cat prescription drugs online and save the whole set of mediterranean your pup necessities.
One other variable is a range of pest infestations which are Comfortis Coupon common in your geographical area. Throughout humid, heat parts of the world heartworms along with nasty flying bugs in which pass on heartworm problems are regular and will wind up being productive year-round. Sections that will be greatly wooded often have substantial break communities which jeopardize the health of your pets.
Anytime Edge flea remedy was released, it had become the best current spot on flea strategy for puppies that?s valuable for a whole four weeks. Puppy owners enjoyably accepted this course that will said in order to free yourself of the pets connected with serious, circulation rubbing lice.
A different addition to the benefit line is Benefits Several regarding pets of which wipes out enteric parasites like heartworm, roundworm, whipworm along with hookworm though fails to control ticks.
Frontline Additionally kills bugs together with flea chicken eggs plus weakens brownish k9 ticks, United states doggie clicks and single legend ticks in addition. The spot upon medication persists a full Four weeks and remains powerful when washing your puppy. Frontline In addition to adjustments nibbling head lice and assists management sarcoptic mange meant for pet dogs 8 weeks and elderly.
K9 Advantix is an excellent choice for flea avoidance in which substantial bug communities are present. Canine Advantix weakens each of those grownup bedbugs and also caterpillar to interrupt the flea life-cycle. Ticks can be slain and the supplement in addition repels nasty flying bugs. Canine Advantix really should not officially used on pups which come towards physiological experience of many cats or perhaps regarding with child and / or nurses canines. To get mature as well as sick and tired canine, physician veterinary clinic previously working with K9 Advantix to stop lice.
Trend is certainly aptly branded. Available with prescription, War offers a wide ranging proper protection for a furry friend. A topical cream therapy eliminates fleas and other insects and also their ova, murders this Usa canine mark, sweets eardrums dust mites as well as control buttons sarcoptic mites in dogs. What?s more, Emerging trend is actually a heartworm preventative and appears stable on currently pregnant or perhaps lactating canines greater than the feeling pups about six weeks or more aged.
Capstar is really a exclusive flea product which was generated for the purpose of precise moments. Capstar is usually a individual dosage of a single capsule directed at pet that will kills all personal fleas provide to the animal rapidly. The dog mediterranean fails to get rid of flea offspring and / or enjoy a walk away result. It?s a very good remedy designed for pet dogs that have already personal parasites mainly because it gets rid of typically the fleas promptly that will adopted 1 day soon after which includes a topical ointment, long term flea medical care. Capstar is useful for canines that are exhibited and also boarded, or perhaps an important lately followed pet taken inside your property.
The most up-to-date flea treatments with regard to pets is without a doubt Comfortis. Compared with correct treatment plans, Comfortis may be a ground beef flavor wafer your family dog definitely will impatiently admit in the form of cure. This specific new product starts off eradicating flea with A half-hour associated with absorption not to mention helps to keep your pup flea 100 % free pertaining to Four weeks.
Every one of the flea prescription drugs intended for pups in the list above work nicely while meant. Figure out just what exactly measure of safeguards your four-legged friend wants as well as precisely what pesky pests plus organisms will be most common with your locale and choose the topical correct flea mediterranean that suits your dog?s demands. With the exception of Industrial wave, the pet drugs in the above list can be found with out pharmaceutical drug. For the minimum value, use the internet with a veterinary clinic run a website to guarantee the solution you obtain are contemporary what that which you required.
It?s wise to not develop into highly provided to each one of these flea remedy for dogs. Parasites adjust to instantly in just one year could become at a minimum to a degree protected from a selected flea medicine. Benefit, Frontline As well as,Canine Advantix, Movement and even Comfortis possess distinctive flea harming formula. Replacing brand names yearly will keep bedbugs via developing protection for any one flea treatments intended for k-9s.
Fast Company ? Creative Strategy Lessons from the 100 Most ...
The June 2012 issue of Fast Company highlights the magazine?s list of The 100 Most Creative People in Business 2012. I will admit to not reading all of previous Fast Company 100 Most Creative People in Business lists. This year, however, having Ceelo Green on the cover (along with Purrfect) compelled me to take a shot at reviewing the entire list in-depth for the first time.
And of course, taking the time to read the whole list necessitated coming up with a way to turn the effort into a Brainzooming blog post. My starting idea was to pick one creative inspiration from each of the 100 people and turn the creative lessons into a massive 100-item list post.
After going through and identifying the 100 creative lessons that stood out for me, however, I realized the post was about 3000 words! That is typically a week?s worth of blog posts!
To not overtax you, the list of creative lessons I captured from the Fast Company Most Creative list is going to be spread out over several days in this shortened week. Each lesson references the person whose profile inspired it, along with the number they had on the list.
Today?s list includes thirty-one creative strategy lessons from this year?s list. Other days will include lessons from the list on creative perspectives, storytelling, and disruptive thinking. The hope is the lessons get you thinking even more creatively and provide ideas for enhancing your own creative efforts.
Creative Strategy Lessons from Fast Company ? The 100 Most Creative People in Business 2012 List
Surround yourself with people who have contrasting thinking styles . . . then hold on.? - Flavio Pripas & Renato Steinberg ? Cofounders, Fashion.me (#54)
Success and determining which of your efforts will be successful are for your audience to decide. It?s a numbers game, so launch and see which things will hit.? - Julie Klausner ? Comedy Writer (#59)
If people aren?t buying you based on your talents, maybe it?s because they don?t how your values and goals fit with their aspirations.? - Shara Senderoff ? Cofounder, CEO, Intern Sushi (#63)
Start with your life problems and think through how to solve one of them if you want to make better apps (or maybe anything else).? - Lee Linden ? Cofounder and CEO, Karma (#67)
Really hone what you do strategically by only addressing the most important part of your customer base and quit focusing on everyone else.? - Sarah Robb O?Hagan ? President, Gatorade (#23)
What opportunities exist for your organization to be a creative magnet to your audiences?? ? Marci Harris ? Founder, Popvox (#13)
To build connections online, start with asking questions and offering your knowledge to aid others.? - Claire Diaz-Ortiz ? Manager of Social Innovation, Twitter (#21)
Try presenting an all-or-nothing creative vision and strategy. No room for compromise. Take it or leave it, but don?t tweak it.? - Celestine Maddy ? Founder, Wilder (#99)
To make your creative pitch, play out the negative things that would happen to the potential client if they don?t follow your recommendation and embrace your creativity.? - Laura Mather ? Cofounder /? Chief Strategy Officer, Silver Tail Systems (#16)
Even though it?s easier to sponsor another organization?s event, create a sponsorship property specifically for your organization.? - Abanti Sankaranarayanan ? Deputy Manager Director for India, Diageo (#37)
?I don?t ever want to represent anybody. It?s my duty to enlighten people.?? - Neil Degrasse Tyson ? Host, PBS?s Cosmos and Radio Show StarTalk (#49)
When volunteers are able to use their natural talents and expertise (as opposed to donating time for something they?re not good at doing), you?re more likely to retain them.? - Rachel Chong ? Founder, CEO, Catchafire (#56)
Have a review board comprised entirely of your target market ? even if that?s a group of grade school kids ? to see if what you?re planning resonates with them.? - Olajide Williams -? Founder, President, Hip Hop Public Health (#65)
When you?re getting started, be prepared to chase after possibilities and test cases you hadn?t imagined.? - Glenn Rink ? Founder, AbTech Industries (#71)
If you had one thousand ?followers, friends, and fans that meant something,? that?s better than 10 million unengaged people. (Really? In pure numbers, to get the same amount of participation from 100% of one thousand people, you?d only need 1/100 of 1% participation from 10 million people.)?- Jared Leto ? Entrepreneur, Musician (#72)
Borrow (complete) strong design contexts from outside your industry and apply them to what you do to look different. (Example: Applying Heathrow airport signage to mobile phone interfaces.)? - Jeff Fong ? Design Lead for Windows Phone, Microsoft (#81)
Unlikely customers will stretch your organization?s creativity in finding new ways to solve their problems.? - Hannah Choi Granade ? President, Advantix Systems U.S.A. (#73)
Give your team an assignment from a demanding fictional client to stretch its creativity beyond the marketplace?s expectations and extract your ?creative aspirations from (y)our finances.? ?- Mike Simonian, Maaike Evers ? Designers, Mike and Maaike (#76)
?Seventy percent of an experience should be what consumers know and thirty percent should be surprise and delight.?? - Rachel Shechtman ? Founder, Story (#80)
What are you doing to make ?eye contact? with potential customers virtually? And what are you doing to engage them (with their interests in mind) when they get really close?? - Sam Mogannam ? Owner, Bi-Rite Market (#86)
Find ways for your best customers to share their expertise and hacks with your new customers. ?- Cindy Au ? Community Director, Kickstarter (#82)
Head directly to where your audience is. Do not wait around at your online site. Share your content where they are and get something started.? - Vivi Zigler ? President, Digital Entertainment, NBC Universal (#89)
Manufacture greater scarcity in the experience you create over time to push more robust intensity, deeper interaction, and the possibility of greater participant leadership in shaping the experience.? - Jerri Chou ? Founder, The Feast Social Innovation Conference (#94)
What would your design process look like if the client specified every detail they wanted? Do you think that?s a level of involvement your clients are really seeking?? - Edwin Neo ? Founding Partner, Ed Et Al Shoemakers (#98)
Celebrate customers using your product in incredible ways. Make them the creative heroes of your brand.? - Sally Grimes ? Global Vice President, Sharpie (#100)
Whether in traditional or new media, people spend time with and pass-on content they expect friends will enjoy.? - Ben Smith ? Editor, Buzzfeed (#29)
Great advice from Magic Johnson: ?It?s okay to be famous and be well liked, but you got to start owning things.?? - Shaq ? C?mon. It?s Shaq. He doesn?t need a title. (#74)
When trying to signal your commitment to the market, there?s no short cut to the time advantage of starting now and sticking with it.??- Louren?o Bustani ? Founder, Brazil CEO, Mandalah (#48)
Celebrity still counts for something so find a way to borrow the authority of celebrities to gain attention and action.? - Yael Cohen, Founder ? F*ck Cancer (#38)
Look and create five years ahead. What creative inputs will be important then?? - Carla Schmitzberger ? President, Havalanas (#97)
Look for games as the high impact form of artistic expression for decades to come.? - Chelsea Howe ? Director of Design, SuperBetter Labs (#41) ?-?Mike Brown
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Download?the?free?ebook, ?Taking the NO Out of InNOvation??to help you generate fantastic new ideas!?For an organizational creativity boost, contact?The?Brainzooming?Group?to help your team be more successful by rapidly expanding strategic options and creating innovative plans to efficiently implement.?Email us at?info@brainzooming.com?or call us at 816-509-5320 to learn how we can deliver these innovation benefits for you.