Gunning Daily News
February 8, 2012 5:36 pm
In this digital world, many of us hate the hassle of carrying cash around. There are drawbacks to carrying a lot of bills. Maybe you don't want to get mugged. Or, maybe you're just busy and can't make pit stops at the ATM before going out for a meal or a snack.
You might wonder if it's legal for stores to impose a credit card minimum charge before they'll swipe your plastic. You're not alone.
It is in fact perfectly legal to impose a minimum charge. Well, most of the time at least.
Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act in July 2010. The legislation paved the way for new rules that affect cardholders nationwide.
It specifically allows merchants to set minimum credit card charges. But the cap can only be set at $10 or less.
Before the Dodd-Frank Act, such minimum charges typically violated service agreements with Visa and MasterCard. Meaning, merchants weren't allowed to set those limits. But the Act made it so that payment card networks like Visa can no longer have these types of regulations.
This means that most of the time, if you see a store posting a credit card minimum of $10 or less, that's perfectly legal. But if you see a store advertising a minimum purchase of $20, they are violating the law.
It certainly can be annoying. Some people genuinely dislike walking around with a wad of cash in their back pocket. But at the same time, if you want to enjoy a meal or buy something a small store, chances are they might not accept your card if you're only purchasing a few small items.
For consumers, this now means you might need to trudge around with some green in your wallet.
That is, unless you only plan on frequenting establishments that have no credit card minimum charges. But keep in mind: these rules don't apply to debit cards.
February 8, 2012 5:36 pm
Do you chat with your Grandma via Facebook and email your uncle across the country? AARP and Microsoft Corp. recently released "Connecting Generations," a new research report that examines how people of all ages are using online communication and social networking to enhance their family relationships. The report reveals three key pieces of evidence showing that online communication is bridging the generation gap:
• 83 percent of those surveyed (ranging in age from 13 to 75 years old) consider going online to be a "helpful" form of communication among family members.
• 30 percent of grandparents of teens/young adults agree that connecting online has helped them better understand their teen/young adult grandchildren, and 29 percent of teens/young adults say the same about their grandparents.
• Teens agree that the computer increases both the quantity (70 percent) and quality (67 percent) of their communication with family members living far away.
"For decades, baby boomers and other older Americans have valued computers and mobile devices as tools for work, but technology is now playing an increasingly vital role in helping the 50+ population communicate and stay connected to their children, aging parents and other family members," says Jody Holtzman, Senior Vice President, AARP Thought Leadership. "By enhancing communication across all generations, technology is improving the quality of life for people of all ages."
Released in conjunction with Safer Internet Day 2012, an annual event organized by InSafe to promote safer and more responsible use of online technology and mobile devices among people worldwide, this "Connecting Generations" report also confirms the need for educating all consumers, from teenagers to grandparents, about Internet safety and the steps they can take to help protect themselves online.
While most respondents—teens, parents and grandparents—wish they knew more about how to keep personal information private (58 percent), and how to safeguard their devices (50 percent), the younger generation wants more information than older respondents about using social networks more safely (38 percent compared to 27 percent).
There is also a disconnect between how teens deal with online content that makes them feel uncomfortable and their parents' perception of how they are dealing with such images and information. Nearly half of parents (49 percent) say their teens know to come to them when they see something online that makes them uncomfortable, yet less than a third of teens (29 percent) say they actually would know to go to their parents to talk about it. And while 49 percent of parents say the lines of communication between them and their teenage children remain open, only 37 percent of teens agree.
"Teenagers and young adults are very knowledgeable about technology, but their parents and grandparents often have better judgment and greater wisdom born of experience," says Jacqueline Beauchere, Director, Trustworthy Computing for Microsoft. "Together, AARP and Microsoft are helping generations of Americans stay connected, and are providing the tools and guidance they need to help each other have safer online experiences."
Tips to Help Families Stay Safer Online
AARP and Microsoft offer these tips to help families connect the generations when it comes to online safety:
1) Use social networks more safely
• Look for Settings or Options in services like Facebook and Twitter to manage who can see your profile or photos tagged with your name, how people can search for you and make comments, and how to block people.
• Don't post anything you wouldn't want to see on a billboard.
• Be selective about accepting friends; regularly reassess who has access to your pages, and review what they post about you.
2) Help protect sensitive personal information
• Before you enter sensitive data, look for signs that a webpage is secure — a web address with "https" and a closed padlock beside it.
• Never give sensitive info (like an account number or password) or call a number in response to a request in email or IM or on a social network.
• Think carefully before you respond to pleas for money from "family members," deals that sound too good to be true, or other scams.
3) Parents and grandparents should have regular conversations with kids, keeping communications open:
• Negotiate clear guidelines for web, mobile and online game use that fit your children's maturity level and your family values.
• Watch your kids for signs of online bullying, such as being upset when they are online or a reluctance to go to school.
• Be the administrator of your home computer; use age-appropriate family safety settings to help you keep track of what your kids are doing online. For example, in all editions of the Windows 7 operating system, you can create separate accounts for each family member. Using Parental Controls (found in Control Panel), you can:
o Specify the exact days and times when children can use the computer.
o Prevent kids from playing certain games, based on title, content, or age-rating.
o Block access to certain programs—for example, those that store sensitive financial data.
o To keep communications open, the Parental Controls icon is always visible so children know when the feature is in use.
o Pay attention to what kids do and whom they meet online. Revisit regularly.
For more information, visit www.aarp.org/technology/safer-internet.
February 8, 2012 5:36 pm
Write-off. Depreciation or amortization an owner takes on a commercial property.
February 8, 2012 5:36 pm
Q: What role might engineers play in my remodeling project?
A: Soil and structural engineers can be particularly instrumental to a home remodeling project. An engineer can tell whether you can tear down a kitchen safely or whether the walls can bear the load of a second or third story. You can use an engineer to size interior supports, stamp a drawing for building department approval, design an appropriate structural repair, test structures to withstand such natural forces as earthquakes, create concrete foundation specifications, size deck supports, and inspect repairs during and after your remodeling job. Engineers can also perform site preparation work such as an excavation and grading, fix foundation cracks or leaks, raise a settling foundation and test soil for structure support. You can get a guesstimate of what the job you plan is likely to cost so you can show it to contractors once you start to take bids.
February 7, 2012 5:22 pm
There’s a bright spot in the U.S. employment picture: the health-care industry.
Health-care employers added 17,000 jobs in November, and they’ve been adding an average 27,000 jobs a month since December 2010, according to the most recent Bureau of Labor Statistics report.
That’s the good news. The bad news is nearly 10,000 health-care workers have lost jobs since August; there were 136 mass layoffs in that time period.
“Finding work in health-care is definitely getting easier, but the stiff competition means you’ll need more than credentials to land those jobs,” says Stephanie Roberson Barnard, a communications consultant who specializes in training medical professionals to speak and write clearly and effectively.
“Check any online job-hunting Web site for science, technical, pharmaceutical, biotech and medical jobs and you’ll find one common requirement: ‘excellent communication skills,’” she and co-author Deborah St. James write in their new book, Listen. Write. Present: The Elements for Communicating Science and Technology (Yale University Press; 2012), www.ListenWritePresent.com.
Unfortunately, the science-rich education required for health-care professionals leaves little room for learning how to craft a message for a particular audience, be it an email or a PowerPoint presentation. And that’s essential not only for getting jobs, but for keeping them and winning promotions, Barnard says.
She and St. James, deputy director of publications and communications for a North Carolina biotech company, offer these tips for getting your message across:
• Plan: Take time to get to know your clients, colleagues and co-workers. Establish rapport and cultivate a collaborative relationship by finding out about others’ interests (check out the pictures in their offices for clues) and inquiring about them. If you have never been to their offices, look them up on Google or their company’s Web site. Always keep your personal conversations light and professional.
• Listen: Smile, nod, and acknowledge the speaker – and mean it. Really focus on what the person is saying and not just on the words. Truly effective communication requires your full attention. It’s better to spend a few minutes concentrating on the other person’s message during a conversation than wasting time trying to remember what he or she said because you were trying to do something else. It’s okay to write or type notes as long as you ask permission first.
• Present: Practice. Practice. Practice. Need we say more? Of all the tips we offer, practicing is perhaps the most important one. People in our audiences often suggest that it’s possible to over practice. They claim that too much practicing makes a talk appear staged. We have found that the “stiff” presenters are the ones who haven’t practiced. They’re so busy trying to remember what they’re going to say, they can’t tune into the audience or deviate from their slides. In contrast, the speakers who have mastered their content seem to glide about the room, exuding just the right amount of enthusiasm.
• Meet: Respect people’s time by presenting materials simply. The biggest complaint people have about meetings is that they last too long. For this reason, presenting your ideas in a simple, concise fashion will give you the advantage of appearing focused and prepared. Remember, never compromise content for simplicity.
• Serve: Be kind to others. It costs nothing and requires no skill. Your kind words, good deed, or thoughtful gift may even launch a cascade of positive gestures among others. A recent study by researchers from the University of California San Diego and Harvard University suggests that cooperative behavior spreads among people. This ripple effect can have a wonderful positive impact on the corporate culture of your organization.
“Good leaders must learn to communicate not only within their field of expertise but also to reach people outside their field of authority, influence and passion,” Barnard says. “With proper training and practice anyone can become a better communicator.”
Stephanie Roberson Barnard has trained thousands of pharmaceutical industry professionals on how to be more effective speakers, writers and communicators. She has also coached hundreds of health-care professionals on presentation skills for FDA hearings, CFO reports and scientific speaker programs, as well as national and international congresses.
Deborah St. James is Deputy Director of Publications and Scientific Communications at Grifols. She has worked in the pharmaceutical and biotechnology industry for more than 20 years.
February 7, 2012 5:22 pm
Experts from The Maids offer these five strategies to help your business move forward in 2012.
Technology – You don't have to understand everything about evolving technology; you just need to know how to use it to your advantage. Countless software applications help companies increase productivity and save money, especially in operations management. Other types of innovations make it easier to collect and manage data, for instance. Managing customer information can help you provide consistent, enhanced customer service, not only in billing practices, but by tracking customer preferences. If you are unsure whether a new application or device will help you, consult with colleagues to find what works for them.
Online Media – Is your website vibrant and robust or is it just an Internet bookmark with your company's name on it? Potential customers visit the site to find out more about your business, but are you taking advantage of the time they spend there? A website can act as a private newspaper, advertising billboard and marketing tool. Archive press releases or news items about your company. Write blogs or articles and create videos to share information and establish yourself as an expert in the field. Use social networking sites such as Facebook and Twitter or coupon sites to engage customers and offer deals. Increased company visibility adds up to more clients.
Evolving Industry – Are you on the leading edge or behind the curve? Make time each day to research trends in your industry. Use what you learn to innovate, increase productivity or plan new product rollouts. Regularly visit trade shows or subscribe to trade magazines to find out how others are reducing costs or implementing new procedures. It's also important to study your competitors. Do they have an advantage over you in the types of services or products they advertise? Can you meet or beat what they offer? Continue to think ahead and make sure your company is flexible enough to respond to changes in the industry.
Know your customers – Client desires can change dramatically over a short period of time. Keep abreast of consumer spending habits or lifestyle modifications so that you can adapt to customer wants and needs. Use surveys or other techniques to solicit ideas from customers, and don't forget to consult employees who often have their finger on the pulse of client wishes.
Experiment – Continually try new approaches, staying mindful that some may not work. You might try a different marketing campaign, for instance, or test a new product or service. Hold regular brainstorming sessions to strategize future ideas and monitor past tactics for effectiveness.
February 7, 2012 5:22 pm
With Valentine’s day less than a week away, many are booking last minute getaways for two. TripAdvisor® (NASDAQ: TRIP), one of the world’s largest travel sites, recently announced the winners of its 2012 Travelers’ Choice Romance awards, honoring the most romantic hotels in the U.S. and the world. TripAdvisor Travelers’ Choice winners are based on millions of valuable reviews and opinions from travelers around the world.
Worldwide, French Polynesia was the top location for lovers, with three hotels in the top five, including the number one property, the Four Seasons Resort Bora Bora. Among U.S. hotels, Kauai, Hawaii properties were popular among travelers seeking an amorous escape with two winners in the top five—the Koa Kea Hotel & Resort in Poipu topping the list and Princeville’s St. Regis Princeville Resort coming in at number five. California hotels were also highly recommended for romance, with three properties claiming spots on the list.
“For travelers seeking a romantic getaway with their significant other, whether it be for Valentine’s Day or any other romantic occasion, TripAdvisor’s Travelers’ Choice Romance hotels offer inspiration for enchanting escapes across the globe,” said Barbara Messing, chief marketing officer for TripAdvisor.
2012 Travelers’ Choice Romance Hotels – World:
1. Four Seasons Resort Bora Bora, Motu Tehotu, French Polynesia
2. Capella Ixtapa, Paseo Playa Linda, Ixtapa, Mexico
3. Hilton Moorea Lagoon Resort & Spa, Moorea, Papetoai, French Polynesia
4. The St. Regis Bora Bora Resort, Motu Ome’e, French Polynesia
5. Tokoriki Island Resort, Tokoriki Island, Fiji
6. Jade Mountain Resort, Soufriere, St. Lucia
7. Andronis Luxury Suites, Thiras Oias, Oia, Greece
8. Koa Kea Hotel & Resort, Poipu, Kauai, Hawaii
9. Mariaggi’s Theme Suites Hotel, Winnipeg, Manitoba, Canada
10. Royal Davui Island Resort, Royal Davui Island, Fiji
2012 Travelers’ Choice Romance Hotels – U.S.:
1. Koa Kea Hotel & Resort, Poipu, Kauai, Hawaii
2. Starfish Manor Oceanfront Hotel, Lincoln City, Ore.
3. Inn of the Dove – Bensalem, Bensalem, Pa.
4. Spindrift Inn, Monterey, Calif.
5. St. Regis Princeville Resort, Princeville, Kauai, Hawaii
6. Ocean Lodge, Saint Simons Island, Ga.
7. Little Palm Island Resort & Spa, Little Torch Key, Fla.
8. Queen of Hearts Resort, Palm Springs, Calif.
9. Farmhouse Inn & Restaurant, Forestville, Calif.
10. Castle Hill Inn, Newport, R.I
For more information, visit www.tripadvisor.com/TravelersChoice.
February 7, 2012 5:22 pm
Warranty deed. A deed in which the grantor guarantees that he or she is giving the grantee good title free of encumbrances. Considered to be the best deed a grantee can receive.
February 7, 2012 5:22 pm
Q: What basic services can I expect an architect to provide?
A: Most projects require a set of basic services. They are as follows: preliminary, or schematic, design; design development; preparation of construction documents (drawings and specifications); assistance in the bidding or negotiation process, and the administration of the agreement between you and your builder or contractor, if needed. Some projects will require other services, such as pre-design work, which includes budgeting and financing packages, as well as planning and zoning applications. Projects may also include special cost or energy analyses, models and tenant-related design.
February 6, 2012 5:04 pm
In December, I declared 2012 would be the 'Year of the Rehab.' But it is also important to remember that whether you're engaging in a major construction project, changing a light bulb, or just going about your daily routine, keeping safe at home should be your ultimate goal 24/7.
It may be shocking to learn that the U.S. Consumer Product Safety Commission (CPSC) estimates that each year, about 4,000 injuries associated with electric extension cords are treated in hospital emergency rooms. And shocks have little to do with it!
About half the injuries involve fractures, lacerations, contusions, or sprains from people tripping over extension cords. Sadly, 13 percent of the injuries involve children under-five years of age; with electrical burns to the mouth accounting for half those injuries to young children.
The CPSC also estimates that about 3,300 residential fires originate in extension cords each year, killing 50 people and injuring about 270 others. The most frequent causes of such fires are short circuits, overloading, damage, and/or misuse of extension cords.
The National Electrical Code says that many cord-connected appliances should be equipped with polarized grounding type plugs. Polarized plugs have one blade slightly wider than the other and can only be inserted one way into the outlet.
Polarization and grounding ensure that certain parts of appliances that could have a higher risk of electric shock when they become live are instead connected to the neutral, or grounded, side of the circuit. Such electrical products should only be used with polarized or grounding type extension cords.
In our next segment, we will review a punch list of safety recommendations about extension cords.