Friday, December 21, 2012

FG urged to incorporate flooding, natural disasters in budget allocation

By PETER EGWUATU

Federal and State Governments have been urged to consider flooding and other natural disasters in budget allocation and also put in place insurance schemes and other processes that would protect the citizens against human and natural disasters currently prevalent in the country.

The Managing Director/Chief Executive Officer of Custodian and Allied Insurance Plc, Mr. Wole Oshin, made the call recently at the Delta State?Liaison office in Lagos when his firm donated relief materials to Delta State flood victims.

According to him, nobody expected some of the crises (human or natural causes) being witnessed in the country. He stressed that now that natural disasters have started to happen, governments at both state and federal levels should put in place structures and processes to mitigate the risks.

He noted that? government cannot continue to fund the enormous disaster? that are beginning to happen as a result of climate change or? general recklessness among Nigerians.

In his words, ?Some years ago, we never thought some of the disasters we are seeing in Nigeria could happen. We do not know when it would happen next and when it happens, will we go through this process again of raising fund, donating materials and so on. This is not a sustainable approach.

The more sustainable approach is risk management and in so doing, it is important? and critical for? government to? embrace insurance? such that? a? fixed? sum of money? is set aside? and at the end of the day,? they call on insurance? companies who are experts in this area to pay claims and restore? the people back to where they were prior to the losses?

Speaking on the relief materials (1,000 mattresses) presented to Delta State, Oshin said it was part of Custodian and Allied Insurance? Corporate Social Responsibility (CSR) to give back to society where they operate.

According to him, ? When this (flood)happened months ago, we thought of how to help communities that were displaced and Delta State came to our mind because of the enormity of? flood in that region.?

Receiving the relief materials on behalf of the Delta State Government, Commission for Information, Mr. Chike Ogeah, said, ?Delta State thanked the company and others who had rendered similar support for their kind gestures. You have come to donate to displaced people. On behalf of Delta State government and the good people of Delta State, we say thank you to Custodian and Allied Insurance Plc.?

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Source: http://www.vanguardngr.com/2012/12/fg-urged-to-incorporate-flooding-natural-disasters-in-budget-allocation/

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Considering The Dangers Of Using An Online Hearing Test For ...

If you have been struggling with the ability to hear for some time, then perhaps an online hearing test seems like a great option rather than going to a clinic to have testing. Full tests in an audio booth can cost between thirty and sixty thousand dollars without insurance. That sounds like a good reason to take free tests online, but it is not. You can get free tests that are done by professionals in person. They are not full tests and may require follow-up, but they will at least give you an idea of what you are looking at with the knowledge that it is done in the right environment.

There are a few problems with individuals taking an online hearing test. The most common problem that may take place when someone does one of these tests is that they will be diagnosed inaccurately. With the inability to control background sound as well as the quality of your speakers on your computer, there is no way to know if these tests will be accurate.

Some websites that offer tests might also make aid devices available if you have audiogram information. These devices will be less expensive than the norm, but there may not be the capability to personalize a device to an individual or have follow-up to make sure a device is correct.

Underlying health conditions are another reason for concern when it comes to having an online hearing test. An individual may have had sudden loss or loss on only one side. If he or she does not read or hear much about medicine, then they may not realize that could signal a life-threatening problem such as a brain tumor.

An individual might just go online and do the testing. He or she might find out what their levels are and order an aid device for the measurements. All the while, a tumor will be growing, and most likely the aid device is not helping much, if at all.

What you should take away from this is that you should not depend on the results of an online hearing test. It is okay to take one, but take the results to your doctor and have him or her refer you to an ear, nose, and throat doctor. This doctor will check your ears, and he or she will help you to know what steps you should take next. Your problem could be easily fixed without the need for major testing or even aid devices.

If you are in the market for a greensboro, nc hearing test, there is a team of trusted professionals sure to steer you through the process with a keen eye on your future health. Visit http://www.miracle-ear-greensboro.com today to learn more and set up an appointment.

Source: http://www.articlesrx.com/considering-the-dangers-of-using-an-online-hearing-test-for-diagnosis/9939

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How To Kiss A Toxic Relationship Goodbye, Once & For All ...

blow kiss
Later, toxic relationship!

Isn't it time to end it already?

That's it. You can't take it anymore. It's your time for a fresh start and you can feel it in your core.

More from YourTango: 12 Romantic Holiday Date Ideas [EXPERT]

It's time to leave this toxic relationship once and for all. You are tired of the fights. You are tired of the silence. You are tired of walking on eggshells. You are just plain tired.

You can barely stand to look at yourself in the mirror because you are ashamed of what you have become: a doormat, a victim.

Your friends and family have been keeping their distance lately and you can't blame them. Being around you and your partner is uncomfortable at best. This situation is negatively affecting all the areas of your life and you're ready to make a move.

You admit that you've thought about it for a while. In fact, it has been months ? maybe years ? that you've been imagining what life would be like without your partner. You've seen other couples who bring out the best in each other and you long to experience that kind of love. You imagine feeling truly adored and respected by your partner, appreciated and supported.

You know deep down that you deserve a better relationship and you have finally mustered up the courage to break free and then ... that little (but loud), lying voice in your head (what I call your "LLV") speaks up and you begin to doubt yourself again. Continue reading.

More from YourTango: Life After Divorce: 7 Steps To A Fresh Start [EXPERT]

Reboot your love life!

More relationship advice from YourTango:

Get more expert advice!

Source: http://www.yourtango.com/experts/lisa-l-payne/toxic-relationship

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Gigantic black holes just got even bigger

A number of the largest black holes in the universe may be even bigger than previously thought, researchers say.

"Ultramassive black holes ? that is, black holes with masses exceeding 10 billion solar masses ? are probably not rare; several and even dozens of these colossal black holes may exist," study lead author Julie Hlavacek-Larrondo, an astrophysicist at Stanford University, told Space.com.

At the heart of virtually every large galaxy is a supermassive black hole weighing millions to billions of times the mass of the sun. Astronomers can detect the existence and approximate size of these black holes based on how they disturb the space and matter around them.

Now, using data from NASA's Chandra X-ray Observatory, researchers analyzing the brightest galaxies in a sample of 18 galaxy clusters find that at least 10 of the black holes in these galaxies are actually a whopping 10 billion to 40 billion times the mass of the sun. [ Strangest Black Holes in the Universe ]

Ultra-big
"Some of our black hole mass predictions are just lower limits, so they could be higher," Hlavacek-Larrondo said. "Just how big do I think they can get? I would bet that a least one 100-billion-solar-mass black hole exists among our objects, which really is ultra-big."

The scientists estimated the masses of the black holes in this sample by analyzing the amount of X-rays and radio waves they generate when they gobble surrounding gas, dust and stars. In addition to the X-ray data from Chandra, the investigators also used radio data from the Very Large Array in New Mexico and the Australia Telescope Compact Array, as well as infrared data from the 2-Micron All-Sky Survey.

Once they had this data, the scientists deduced the size of the black holes by using known relationships between the amount of radiation they put out and black hole masses. This relationship, called the fundamental plane of black hole activity, applies to data on black holes with masses ranging from 10 solar masses to 1 billion solar masses.

Oddly, these black holes are about 10 times larger than one would expect from the size of their host galaxies.

"These results may mean we don't really understand how the very biggest black holes coexist with their host galaxies," said study author Andrew Fabian of England's Cambridge University. "It looks like the behavior of these huge black holes has to differ from that of their less massive cousins in an important way."

Galaxy clusters
The answer to this mystery may have to do with where these black holes were discovered. All of these potentially ultramassive black holes lie in galaxies at the centers of massive galaxy clusters containing huge amounts of hot gas. Black holes probably generate the outbursts of energy that keep this hot gas from cooling and forming huge numbers of stars, researchers say.

To power these outbursts, the black holes must gorge on large amounts of the hot gas. Since the largest black holes can swallow the most gas and power the largest outbursts, astronomers had already predicted ultramassive black holes probably existed in these galaxy clusters in order to explain the number of stars contained within them. The extreme environments these ultramassive black holes and their galaxies experience may explain why the standard relationship between galaxies and black holes does not apply here.

To confirm these results, the researchers need to make detailed mass estimates of black holes by modeling the motions of stars and gas in the vicinity of these monsters. For instance, when it comes to the black hole in the center of the galaxy M87 ? the central galaxy in the Virgo Cluster, the nearest galaxy cluster to Earth ? stellar motions suggest M87's black hole is 6.6 billion solar masses, significantly higher than an estimate of 800 million solar masses calculated from infrared data.

"Our next step is to measure the mass of these monster black holes in a similar way to M87, and confirm their existence. I wouldn't be surprised if we end up finding the biggest black holes in the universe," said Hlavacek-Larrondo. "If our results are confirmed, they will have important ramifications for understanding the formation and evolution of black holes across cosmic time." [ The History & Structure of the Universe (Infographic) ]

  1. Space news from NBCNews.com

    1. Holiday treats from Saturn and beyond

      Science editor Alan Boyle's blog: The holiday season is bringing beautiful baubles from outer space, including an unconventional view of Saturn from the Cassini orbiter, a gaudy nebula from the Hubble Space Telescope and a loopy picture of a supernova's leftovers.

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How black holes grow
Current models of black hole evolution "can explain ultramassive black holes, but you really have to push the models to do so," Hlavacek-Larrondo said. "If we are correct, and these objects are much more common and massive than previously thought, then we might need to rethink how they can grow to such masses."

"What strengthens our result is that we already know that supermassive black holes exist very early on after the Big Bang, and you can build some ultramassive black holes from these," Hlavacek-Larrondo said. "These supermassive black holes appear to exist when the universe was still very young, only 5 percent of its actual age. So the question becomes, how can you build supermassive black holes so quickly after the Big Bang? Some models can explain this, but it all remains theoretical. The good news is that the upcoming James Webb Space Telescope will be able to provide some answers, since it will have the power to observe the formation of the first supermassive black holes."

That telescope, being constructed as a successor to the Hubble Space Telescope, is due to launch in 2018.

Hlavacek-Larrondo, Fabian and their colleagues Alastair Edge and Mike Hogan detailed their findings at the Einstein Fellows Symposium on Oct. 23 at Cambridge, Mass.

Follow Space.com on Twitter @Spacedotcom. We're also on Facebook ? and?? Google+.

? 2012 Space.com. All rights reserved. More from Space.com.

Source: http://www.msnbc.msn.com/id/50251073/ns/technology_and_science-space/

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Christopherson Business Travel's Negotiated Rates Go A Long Way

Recently, my family planned a trip to Canada to attend a reunion and thought we had all the details worked out. As there were eight of us traveling together, we opted to drive rather than fly. Unfortunately, three hours in, our Suburban broke down. We barely made it off the freeway when the car stopped near a building that literally said,?This is the middle of Nowhere.?

After being towed 40 miles to a mechanic, it was determined that repairs would take about a week. We were going to need rental cards. I began calling around and booked two cars with National using our Christopherson Business Travel corporate number. This is just one of the many discount rates Christopherson offers customers if their company doesn?t have their own negotiated rate.

When we checked in at the National desk, I asked the agent if there were perhaps any better rates available since we really hadn?t been planning on this expense. She told us that not only did she find a better rate, but that it was one of the best rates she had ever seen. We also were able to add extra drivers for free since my husband was an Emerald Club member, which again saved us money on what would have been another expense.

In another instance, I was showing our negotiated rate programs to a prospective client. She had recently spent a lot of time searching for hotels in New York and Chicago. Their company had several travelers attending conferences in those cities but were making reservations too late to receive the special conference deals at the hotels. Because Christopherson Business Travel has connections and discounted rates with so many properties worldwide, we were able to find her cheaper rates than those she?d been quoted online and directly from the hotel.

Christopherson?s negotiated rates are just one more way companies benefit from our managed travel programs. To learn more about how you can benefit from these connections, please contact one of our representatives.


Source: http://blog.cbtravel.com/?p=7841

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Thursday, December 20, 2012

Lack of Data Slows Gun-Control Studies (WSJ)

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Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/272231238?client_source=feed&format=rss

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Sugar Creek Fellowship Church plans Christmas celebration concert with 'Adam's Voice'

Article provided

Sugar Creek Fellowship in south central Whitley County invites the community to an exciting day of Christmas celebration with a concert featuring "Adam's Voice" this Sunday, December 23, 2012, at 10 a.m.
Adam's Voice is a Christian vocal trio from New Castle, Indiana. The focus of their ministry is to attest to the power of God through worship.? Woven into their repertoire of the familiar, are original songs resonating with scripture, written from personal testimony inspired by real-life situations.? Their music spans a wide range of styles, as they endeavor to reach all age groups.? The younger generation will be attracted by their youthful vitality but at the same time, you will clearly see the core of their musical message emulating a much older generation of Christians who have distinctively molded their lives.? God is still in control and changing lives is the reoccurring theme throughout their music.
Adam's Voice consists of husband and wife team, David & Charlene Adams, and friend Jeremy Fox.? David leads the group as vocalist and public relations manager.? Charlene is a vocalist, songwriter and office support.? Jeremy is vocalist, bass player and sound technician. The group began in 1989, with Fox joining the group in 1997.Upon forming a vocal trio with Jeremy, the group made a name change from David & Charlene Adams and Faithful to Adam's Voice.
Adam's Voice has been able to communicate God's love through song to churches across the United States.? National radio stations are currently playing their songs.? Christian television programs have repeatedly featured them. They were honored to be featured vocalists at the Church of the Nazarene General Assemblies and Conferences.? They have performed the National Anthem at NFL and Major League Baseball games. Adam's Voice has also had the privilege of appearing on three Bill Gaither Homecoming Tours.?
?It?s always refreshing to see a new group with great talent and a sweet spirit come along.? Adam?s Voice is a breath of fresh air," states Bill Gaither.
The concert is free and no tickets are required. The doors will open around 9:15 a.m., and those planning to attend will want to arrive early to get a good seat.
Sugar Creek Fellowship Church of the Nazarene is so excited to be able to offer such a Christmas gift to the community, through this concert. The church is located in the little village of Tunker at 3531 West 800 South, South Whitley.

Source: http://talkofthetownwc.com/blog/2012/12/sugar_creek_fellowship_church_3.html

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