Monday, November 26, 2012

The Death Of The Banner Ad - Business Insider

Banner ads, those benighted rectangles and boxes, have been the primary way publishers make money online since a digital offshoot of Wired magazine ran the first one 18 years ago.

But the industry is ripe for disruption, and many feel it won't be long before banners are replaced by a better, more attractive advertising solution.

One industry source went so far as to say that we'd one day look back on 2012 and deem it the "defining year in the death of the banner ad."

"The traditional standard media model is challenging," this person said. "There's a lot of pressing need for innovation around the approaches people are taking [to make money online]. I see a lot of people refusing to acknowledge the trend lines here.... 2012 is really the defining year in the death of the banner ad. Other people are refusing to believe it because then they don't have another clear revenue path."

John Battelle, an advertising visionary and the founder of Federated Media, who was present for the invention of the banner ad at Wired, agrees. He told us recently that, as an industry, "we messed up when we decided banner ads would be how we make money on the Web."

"We shoved them up in the corners and tried to ignore them, and advertisers have had to scream from the sidelines," he says. "There's a way to make web advertising a better experience, like an ad in between every pageview that you can simply flick away if you don't want to see it. I'm a big fan of full-page ads, especially on tablets."

"I see a lot of people refusing to acknowledge the trend lines here and are clinging stubbornly to direct sales model," says an industry source. "2012 is really the defining year in death of the banner ad. Other people are refusing to believe it because then they don't have a clear revenue path."

Banner ads achieved mass scale because they're easy to implement on Web pages. Increasingly, their placement is standardized and automated by computers, though big banner-ad deals are still negotiated the old-fashioned way, human to human.

They're also supported by the Interactive Advertising Bureau (IAB), a trade organization whose standards apply to 80 percent of banner ads sold. Battelle, who is on the IAB's board, says he's trying to push the group to rethink Web advertising and come up with a widely implemented solution that makes advertisers look and feel more welcome on Web pages.

The transformation away from banner ads will take a long time. Battelle thinks it could take ten years before the online advertising industry is thoroughly disrupted. In the meantime, more and more companies are steadily working at more engaging banner-ad alternatives.

Foursquare, for example, offers businesses a way to deliver updates to users who use its mobile app to check in to their locations. Facebook and Tumblr offer ad formats that promote specific posts to more users. BuzzFeed tries to create viral stories that feature advertisers. And Twitter's promoted tweets are working well, particularly on mobile devices.

These are so-called native ads that play off user behavior and enhance the experience rather than interrupt it.

Arguably, banner ads tried to do something like that 18 years ago, when every Web page felt fresh and new and the notion of multimedia-rich pages mixing graphics and text were novel.

But the Web has moved on since then. It's time banners did, too.

Source: http://www.businessinsider.com/the-death-of-the-banner-ad-2012-11

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Stocks open lower on new fiscal cliff warnings

3 hrs.

The stock market edged lower Monday morning, pulled down by old worries about the debt crisis in Europe and a political standoff over taxes and spending in the U.S.?

In early trading, the Dow Jones industrial average was down 66 points at 12,945. The Standard & Poor's 500 was down 6 to 1,403. The Nasdaq composite index slipped less than a point, to 2,966.?

Monday was the first trading day after the beginning of the holiday shopping season, a crucial time for retailers that rely on Christmas shopping to make up for shortfalls during the rest of the year. But the impact of Thanksgiving Day, Black Friday and the rest of the weekend was hard to read.?

The National Retail Federation reported that 247 million shoppers visited stores and shopping websites during the Thanksgiving holiday, up 9 percent from a year ago. They spent an average of $423, up 6 percent.?

Still, retailers worry that the momentum won't last. Retailers like Macy's, Target and Saks were down in early trading.?

One major reason is the overhang of the "fiscal cliff." That's when both higher taxes and cuts to government programs, like unemployment benefits and Social Security, will kick in at the end of the year unless Congress and the White House work out a compromise before then.?

A government report released Monday warned that a sudden increase in taxes would result in lower consumer spending next year, and some analysts wondered if the concerns about what could happen might crimp spending throughout the rest of the holiday season.?

The report, by President Barack Obama's National Economic Council and his Council of Economic Advisers, estimated that a married couple earning between $50,000 and $85,000 with two children would see a $2,200 increase in their taxes.?

The White House wants to raise some taxes, but key business groups have protested vehemently. The homebuilding industry says it won't stand for even small cuts to the mortgage interest deduction, a tax break that's meant to encourage homeownership. AARP has publicly lobbied against cuts to Medicare and Social Security.?

To be sure, the fiscal cliff fighting could be mostly grandstanding for lawmakers. Lawmakers often fight over budget issues until the dramatic 11th hour, then work out a compromise at the last moment.?

Overall, Monday morning was quiet, with no major economic reports due in the U.S. and no major companies scheduled to make big announcements. In Europe, leaders of European Union countries tried to hammer out a deal to lend more money to debt-crippled Greece, but many analysts have come to view that as another tired theme that has already been baked into the markets.?

Count David Kelly, chief global strategist at JPMorgan Funds, among the underwhelmed.?

"The themes seem about as recycled as Thanksgiving turkey," Kelly wrote in a note to clients, referring to the fiscal cliff and the European debt crisis. He expected a better read on the economy later this week, with reports on consumer confidence on Tuesday, and unemployment claims and third-quarter economic growth on Thursday.?

Sam Stovall, chief equity strategist at S&P Capital IQ, was similarly unmoved. "Most of these uncertainties have been with us for quite some time," he wrote in a note, "and are now regarded by many as annoyances to resolve rather than obstacles to fear."?

Overall, the U.S. economy has been hard to read. For every sign that it is improving, there's another that indicates it's not. The market jumped 421 points last week, one of the best weeks of the year. It was down for four straight weeks beforehand.?

Stocks opened the trading day lower?as investors?returned to the market after a holiday-shortened trading week, focused on the meeting of euro zone finance ministers on Greece and negotiations over the U.S. fiscal cliff.

The fiscal cliff concerns?dampened what had been a huge weekend for retailers.?

The Dow Jones industrial average fell 85 points to 12,925 shortly after the opening bell Monday.?

The Standard & Poor's 500 index lost eight points to 1,401 and the Nasdaq composite was also off eight points at 2,959.?

Shoppers flooded stores in record numbers over the weekend, according to the National Retail Federation. The organization said 247 million shoppers visited stores and shopping websites during the Thanksgiving holiday, up 9.2 percent from last year.?

On Monday, however, the National Economic Council and the Council of Economic Advisers said that a sudden increase in taxes for middle-income taxpayers could reduce consumer spending next year by nearly $200 billion.?

Euro zone finance ministers and the International Monetary Fund will seek to unfreeze the second bailout package for Greece on Monday, but they first need to agree if some of the official loans to Athens might eventually be forgiven to cut Greek debt.?

U.S. lawmakers have made little progress in the past 10 days toward a compromise to avoid the harsh tax increases and government spending cuts scheduled to start taking effect on January 1, a senior Democratic senator said on Sunday.?

"On the most pressing issue for the markets into year end, that of the tax and spending issues in the U.S., the Sunday morning talk shows didn't reveal that we're on the cusp of a deal as more horse trading will go on in the weeks to come," said Peter Boocvkar, managing director at Miller Tabak & Co in New York.?

U.S. shoppers went to stores earlier this Thanksgiving weekend and bought online more than in years past, giving retailers a strong start to the holiday shopping season, data showed on Sunday. Total spending for the long weekend rose to $59.1 billion, up 12.8 percent from last year, according to the National Retail Federation.?

Black Friday's online sales topped $1 billion for the first time ever as more consumers used the Internet do their early holiday shopping, comScore said on Sunday.?

Source: http://www.nbcnews.com/business/stocks-open-lower-new-fiscal-cliff-warnings-1C7208006

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Sunday, November 25, 2012

Fetal alcohol exposure affects brain structure in children

ScienceDaily (Nov. 25, 2012) ? Children exposed to alcohol during fetal development exhibit changes in brain structure and metabolism that are visible using various imaging techniques, according to a new study being presented November 25 at the annual meeting of the Radiological Society of North America (RSNA).

Alcohol use by expectant mothers can lead to problems with the mental and physical development of their children -- a condition known as fetal alcohol syndrome. Research suggests an incidence of 0.2 to 1.5 per 1,000 live births, according to the Centers for Disease Control and Prevention. Costs for care of individuals affected by fetal alcohol syndrome in the U.S. have been estimated at $4 billion annually.

Advancements in magnetic resonance imaging (MRI) are affording unprecedented insights into the effects of alcohol on the central nervous systems of children whose mothers drank alcohol during their pregnancy. Recently, researchers in Poland used three different MRI techniques to better define these effects.

The study group included 200 children who were exposed to alcohol during their fetal stage and 30 children whose mothers did not drink while pregnant or during lactation. Researchers used MRI to evaluate the size and shape of the corpus callosum, the bundle of nerve fibers that forms the major communication link between the right and left halves of the brain, in the two groups. Prenatal alcohol exposure is the major cause of impaired development or complete absence of the corpus callosum.

The MRI results showed statistically significant thinning of the corpus callosum in the children exposed to alcohol compared with the other group.

"These changes are strongly associated with psychological problems in children," said Andrzej Urbanik, M.D., chair of the Department of Radiology at Jagiellonian University in Krakow, Poland.

Dr. Urbanik and colleagues also used diffusion weighted imaging (DWI) to study six areas of the central nervous system in the children. DWI maps the diffusion process of water and can be a more sensitive means than traditional MRI for detecting tissue abnormalities.

Children in the alcohol group exhibited statistically significant increases in diffusion on DWI compared with the other children.

"The increase of diffusion indicates neurological disorders or damage to the brain tissue," Dr. Urbanik said.

To noninvasively study metabolism in the brains of the children, the researchers used proton (hydrogen) magnetic resonance spectroscopy (HMRS), a common adjunct to structural MRI studies. HMRS results showed a complex collection of metabolic changes.

"In individual cases, we found a high degree of metabolic changes that were specific for particular locations within the brain," Dr. Urbanik said.

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Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/~3/X3n18VbRstc/121125103949.htm

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Home Improvement building a new home | KPM Construction ...

Building a new home can cost you on your pocket a little bit but it is an investment that we all are willing to make. Building a new home is not as easy as it may seem to be, for this job you really need to plan and plan again. Whether it is about finance, the architect, the builder or the material provider you need to make arrangements for all of them. Not only this you need to keep a check on them all the time to see whether they are doing their work properly or not and this can be a tiring task.

When it comes to finances you need to plan cautiously as there is no space for a mistake. It is always better to apply for a financial help of whatever kind suits you way before the construction work starts.? As if you will apply for such services near the construction schedule then the delay in the formalities can greatly affect the construction schedule. This can lead to wastage of materials and increase in overall cost of the work.

Then hire a trusted professional for your constructions work. They might be costly initially but in the long run they prove to be beneficial as their services and work is completely satisfying. Also getting work done by a professional avoids any need for often fixes and repairs.

While deciding on the interiors of the house, choose wisely. You should arrange for all the products and furniture of the house according to the interiors of the house. As picking out on something that does not goes well with your interiors can land you up in a complete disaster.

Make a wise choice be whatever you are choosing!

?

Source: http://www.kpmconstruction.com/home-improvement-building-a-new-home/

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Source: http://cantinepatrice8.typepad.com/blog/2012/11/home-improvement-building-a-new-home-kpm-construction.html

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Officials to announce cause of Mass. gas explosion

Inspectors stand in debris, Saturday, Nov. 24, 2012, at the site of a gas explosion that leveled a strip club in Springfield, Mass., on Friday evening. Investigators were trying to figure out what caused the blast where the multistory brick building housing Scores Gentleman's Club once stood. (AP Photo/Jessica Hill)

Inspectors stand in debris, Saturday, Nov. 24, 2012, at the site of a gas explosion that leveled a strip club in Springfield, Mass., on Friday evening. Investigators were trying to figure out what caused the blast where the multistory brick building housing Scores Gentleman's Club once stood. (AP Photo/Jessica Hill)

Items from the Score's Gentleman's Club are seen in the rubble on Saturday, Nov. 24, 2012, the morning after Friday night's explosion in Springfield, Mass. Dozens of building inspectors began assessing homes and businesses in Springfield on Saturday, a day after a natural gas explosion leveled the Scores Gentleman's Club located next to a day care and heavily damaged a dozen other structures. (AP Photo/The Republican, Dave Roback)

A day care next door to a gas explosion that leveled a strip club Friday evening is seen in Springfield, Mass., Saturday, Nov. 24, 2012. Investigators are trying to figure out what caused the Friday evening blast that could be heard for miles, and that left a large hole in the ground where the multistory brick building housing Scores Gentleman's Club once stood. (AP Photo/Jessica Hill)

(AP) ? Authorities on Sunday planned to announce the cause of a natural gas explosion that damaged 42 buildings and injured 18 people in one of New England's largest cities.

The announcement was set for 1 p.m. at fire department headquarters in Springfield, where Friday's blast flattened a strip club, heavily damaged a day care center, shattered windows and scattered debris over several blocks.

Springfield Mayor Domenic Sarno was to join state officials in revealing the cause.

Investigators and cleanup crews returned to the blast-affected area Sunday morning. Police reported no problems related to the explosion overnight.

The explosion occurred at about 5:30 p.m. Friday, after authorities had evacuated part of the entertainment district while responding to a gas leak and odor. It left a large hole in the ground where a multistory building that housed the Scores Gentleman's Club once stood.

Gas workers venting a gas leak got indications that the building was about to explode and they ? along with firefighters and police officers ? ducked for cover behind a utility truck just before the blast, said Mark McDonald, president of the New England Gas Workers Association.

Most of the injured were in that group, and the truck that saved their lives was essentially demolished, he said.

"It really is a miracle and it's an example of our public safety officials, each and every day, putting themselves in harm's way, taking what could have been considered a very routine call of an odor of gas, but they took the proper precautions," State Fire Marshal Stephen Coan said. "And thanks to God that they did."

Sarno and Lt. Gov. Tim Murray were attending a tree-lighting ceremony when the explosion occurred. Sarno said some people mistakenly thought the boom was part of the holiday event.

Preliminary reports showed the blast damaged 42 buildings housing 115 residential units. Three buildings were immediately condemned, and 24 others require additional inspections by structural engineers to determine whether they are safe.

Columbia Gas of Massachusetts continued monitoring for potential leaks and kept at least 30 workers at the scene.

Springfield, which is 90 miles west of Boston and has about 150,000 residents, is the largest city in western Massachusetts. It's known as the home of the Basketball Hall of Fame, which is not near the blast site.

The city has been rebuilding from damage caused by a tornado in June 2011.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-11-25-Massachusetts%20Gas%20Explosion/id-4355db5caefc4daf816a0278896a8fc9

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Saturday, November 24, 2012

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Article Creator: Margeret W.Q. Peters

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Source: http://www.chicagoweddingphotographer.biz/shopping-and-product-reviews-collectible-jewellery-short-article/

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9 more Iraq, Afghan war veterans joining Congress

FILE - This Nov. 15, 2012 file photo shows Iraq war veteran, Rep.-elect Tammy Duckworth, D-Ill., who lost both legs in combat before turning to politics, arriving for a group photo on the East steps of the Capitol in Washington. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Susan Walsh)

FILE - This Nov. 15, 2012 file photo shows Iraq war veteran, Rep.-elect Tammy Duckworth, D-Ill., who lost both legs in combat before turning to politics, arriving for a group photo on the East steps of the Capitol in Washington. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Susan Walsh)

FILE This Nov. 6, 2012 file photo shows Iraq war veterans Rep.-elect Tulsi Gabbard in Honolulu. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Marco Garcia, File)

WASHINGTON (AP) ? As Tammy Duckworth sees it, her path to Congress began when she awoke in the fall of 2004 at Walter Reed Army Medical Center. She was missing both of her legs and faced the prospect of losing her right arm.

Months of agonizing therapy lay ahead. As the highest-ranking double amputee in the ward, Maj. Duckworth became the go-to person for soldiers complaining of substandard care and bureaucratic ambivalence.

Soon, she was pleading their cases to federal lawmakers, including her state's two U.S. senators at the time ? Democrats Dick Durbin and Barack Obama of Illinois. Obama arranged for her to testify at congressional hearings. Durbin encouraged her to run for office.

She lost her first election, but six years later gave it another try and now is one of nine veterans of the Iraq and Afghanistan wars who will serve in next year's freshman class in the of House of Representatives.

Veterans' groups say the influx of Iraq and Afghanistan veterans is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans.

For example, the 95th Congress, which served in 1977-78, had more than 400 veterans among its 535 members, according to the American Legion. The number of veterans next year in Congress will come to just more than 100. Most served during the Vietnam War era. In all, 16 served in Iraq or Afghanistan, not all in a combat role.

"We're losing about a half a million veterans a year in this country," said Tom Tarantino, chief policy officer at Iraq and Afghanistan Veterans for America. "We are not going to be in a world where a significant plurality of people spent some time in the military, so to have 16 men and women who fought in this current Congress is incredibly significant."

Tarantino said he recognizes that the 16 Iraq and Afghanistan vets have wide-ranging political views. But at the end of the day, he said, their shared experiences make it more likely they'll put political differences aside on issues like high unemployment and suicide rates among returning veterans, or in ensuring that veterans get a quality education through the post-9/11 GI bill.

Their election victories also provide a sense of assurance to veterans.

"The biggest fear we have as veterans is that the America people are going to forget us," Tarantino said. "When you have an 11-year sustained war, the fight doesn't end when you pull out."

Duckworth carries the highest profile of the incoming vets. She was co-piloting a Black Hawk helicopter in Iraq when a rocket-propelled grenade landed in her lap, ripping off one leg and crushing the other. At Walter Reed, she worried about what life as a double amputee had in store. But during her recovery, she found a new mission ? taking care of those she describes as her military brothers and sisters. That mission led her to a job as an assistant secretary at the Department of Veterans Affairs during Obama's first term.

"Had I not been in combat, my life would have never taken this path. You take the path that comes in front of you," Duckworth said from a wheelchair last week as she and her fellow freshmen went through orientation at the Capitol. "For me, I try to live every day honoring the men who carried me out of that field because they could have left me behind, and they didn't."

Duckworth is one of two freshmen Democrats who served in Iraq or Afghanistan. The other is Tulsi Gabbard of Hawaii, who served near Baghdad for a year and was a medical operations specialist. Gabbard said she hopes the two of them can be a voice for female veterans and the unique challenges they face.

About 8 percent of veterans are women. They tend to be younger on average. Nearly one in five seen by the Department of Veterans Affairs responds yes when screened for military sexual trauma.

Seven Republicans served in Iraq or Afghanistan. Most had backing from tea party supporters who share their views that the size and scope of the federal government should be curtailed.

?Ron DeSantis of Florida was a judge advocate officer in the Navy who deployed to Iraq as a legal adviser during the 2007 troop surge.

?Brad Wenstrup of Ohio was as a combat surgeon in Iraq.

?Kerry Bentivolio of Michigan served in an administrative capacity with an artillery unit in Iraq and retired after suffering a neck injury. He also served as an infantry rifleman in Vietnam.

?Jim Bridenstine of Oklahoma was a combat pilot in Iraq and Afghanistan.

?Scott Perry of Pennsylvania commanded an aviation battalion in Iraq in 2009 and 2010.

?Doug Collins of Georgia was a chaplain in Iraq.

?Tom Cotton of Arkansas, a Harvard Law School graduate, was an infantry platoon leader in Iraq and then was on a reconstruction team in Afghanistan. In between, he was a platoon leader at Arlington National Cemetery.

Cotton said the reason he ran for Congress is the same one that led him to enter the Army after the Sept. 11 terrorist attacks.

"I felt we had been attacked for who we are ? the home of freedom," Cotton said. "And I worry now our liberty is threatened at home by the debt crisis we face, which in the long term will mean less prosperity and less opportunity, and therefore less liberty."

Cotton said he could easily see himself working with Duckworth and Gabbard on veteran's issues. "They've carried a heavy load and we owe them a great debt," he said.

At the same time, it's clear the freshmen veterans have clear differences of opinion over policy matters. For example, Gabbard is a strong critic of the war in Afghanistan. She says the United States needs to get out as quickly and safely as possible. Cotton opposes setting timetables for withdrawal.

"We're trying to win a counter-insurgency war where we can put a friendly, allied, stable government in place," Cotton said. "It's certainly been a long and somewhat winding road, but on the whole, America and our interests in the world are much better off for having waged the war in Afghanistan."

There also will be differences over spending priorities. Cotton is reluctant to trim spending on defense as a way to deal with the deficit.

Duckworth said certain programs need close examination, particularly in the area of government contracts. She said she "can actually stand up and talk about defense spending in a way that will be realistic without being attacked for lack of patriotism or not being strong on defense."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-11-24-Congress-Veterans/id-886cea2221b34e8ba2a3b7076ffe640b

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