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June 2, 2012
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If the caulk around your bathtub is growing mold, it?s a good sign that it?s time to put in new caulk. Learn DIY home repair tips on how to caulk around your bathtub, shower and bathroom sink in thisfree online home improvement video. Expert: Greg Lim Bio: Greg Lim is a professional handyman and residential property manager. In the seven years hes been a contractor, he has fully renovated two houses.
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This image provided by the U.S. Forest Service shows a May 29, 2012 photo, of the massive blaze in the Gila National Forest is seen from Cliff, N.M. Fire officials said Wednesday the wildfire has burned more than 265 square miles has become the largest fire in New Mexico history. (AP Photo/U.S. Forest Service)
This image provided by the U.S. Forest Service shows a May 29, 2012 photo, of the massive blaze in the Gila National Forest is seen from Cliff, N.M. Fire officials said Wednesday the wildfire has burned more than 265 square miles has become the largest fire in New Mexico history. (AP Photo/U.S. Forest Service)
This image provided by the U.S. Forest Service shows a May 29, 2012 photo, of the massive blaze in the Gila National Forest, seen from Neighbors Mountain directly east of Glenwood, N.M. Fire officials said Wednesday the wildfire has burned more than 265 square miles has become the largest fire in New Mexico history. (AP Photo/U.S. Forest Service)
In this May 29, 2012 photo provided by the US Forest Service, a massive plume of smoke rises in the Gila National Forest, seen from?Neighbors Mountain directly east of Glenwood, N.M.?Fire officials said Wednesday May 30,2012 the?wildfire has burned more than 265 square miles has become the largest fire in New Mexico history.?(AP Photo/US Forest Service)
RESERVE, N.M. (AP) ? A massive wildfire in the New Mexico wilderness that already is the largest in state history spread in all directions Thursday, and experts say it's likely a preview of things to come as states across the West contend with a dangerous recipe of wind, low humidity and tinder-dry fuels.
The erratic Gila National Forest blaze grew overnight to more than 190,000 acres, or nearly 300 square miles, as it raced across the area's steep, ponderosa pine-covered hills and through its rugged canyons.
More than 1,200 firefighters are at the massive blaze near the Arizona border, which has destroyed a dozen cabins and eight outbuildings, fire information officer Iris Estes said.
Experts say persistent drought, climate change and shifts in land use and firefighting strategies mean other western states likely will see similar giant fires this season.
"We've been in a long drought cycle for the last 20 years, and conditions now are great for these type of fires," said Steve Pyne, author of "Tending Fire. Coping with America's Wildland Fires" and a life science professor at Arizona State University. "Everything is in line."
Agencies in New Mexico, Colorado, Arizona and other western states are bracing for the worst. Many counties have established emergency telephone and email notification systems to warn of wildfires, and most states have enlisted crews from nearby states to be ready when the big ones come.
"It's highly likely that these fires are going to get so big that states are going to need outside resources to fight them," said Jeremy Sullens, a wildland fire analyst at the National Interagency Fire Center.
According to the National Weather Service, a dry climate is expected to prolong drought conditions across the Great Basin and central Rockies during the fire season. Large portions of Nevada, Arizona, Utah, Colorado and New Mexico will remain under severe drought conditions.
"We're transitioning from La Nina to El Nino so we have no guidance to what's going to happen, like if we will get more rain or less rain," said Ed Polasko, a National Weather Service meteorologist.
And it's unclear what type of relief will come from monsoon season, which starts in mid-July, since experts say it's difficult to predict what areas in the West will benefit, Sullens said.
A lack of moisture means fewer fuels to burn in some areas, but unburned vegetation elsewhere could pose a problem since states received no sustained snow or rain this winter and spring.
That's what happened in New Mexico's Gila Wilderness, where a lack of snow failed to push down grass, which worsened the fire danger, Sullens said.
Typically fires in the area don't cross the middle fork of the Gila River, said Danny Montoya, a member of the fire's incident command team.
"This year, it did get across," Montoya said. "We're getting humidity levels during the day about 2 to 3 percent. Normally, during summer you'd see 5 to 12 percent."
The two-week-old Gila forest fire is the largest wildfire burning in the country. Its size this week surpassed New Mexico's last record fire, a blaze last year that charred 156,593 acres and threatened the Los Alamos National Laboratory, the nation's premier nuclear facility.
Officials on Thursday closed the Gila Cliff Dwellings National Monument due to smoke generated from the fire. The National Park Service said the closure would remain in effect until conditions improve.
Montoya said he wouldn't be surprise if smoke from the fire remained until monsoon season since the fire is burning in rough areas and it's difficult for crews to fight it head-on.
Estes said the blaze is 5 percent contained.
"We're continuing with burnout operations and we've been helped with a slight rise in humidity and decreased winds," she said.
New Mexico Gov. Susana Martinez was scheduled to fly over the fire Thursday to survey the damage.
Other reasons states in the West will see more massive fires this season is because, coupled with drought and dry climate, crews have experienced changes in firefighting strategies and agencies have changed some policies in fighting wildfires in isolated areas, Pyne said.
"In the last 20 years or so, agencies have generally been reluctant to put firefighters at risk in remote areas," Pyne said. "It wasn't like that decades ago."
Instead, he said agencies have focused attention on burnout operations until conditions are safe to begin containment.
Not that those practices and the larges fires are bad things, Pyne said. For example, he said the Gila Wilderness has been a target for controlled burns.
"So maybe," Pyne said, "this is how it's supposed to happen."
___
Contreras reported from Albuquerque.
Follow Susan Montoya Bryan on Twitter: http://www.twitter.com/susanmbryanNM and Russell Contreras on Twitter at http://twitter.com/russcontreras
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Congressional Action Extends the NFIP Until July 31, 2012
Release Date: June 1, 2012
Release Number: HQ-12-040
WASHINGTON, D.C. -- Congress passed and the President signed legislation to extend the National Flood Insurance Program for an additional 60 days, assuring FEMA has the legal authority to continue to sell, renew or modify flood insurance policies until July 31, 2012.? This short-term extension allows consumers critical time to renew and purchase their flood insurance policies, and complete new mortgage and loan transactions where flood insurance is required.
"This short-term extension of the National Flood Insurance program provides property owners, renters and businesses critical time to renew, purchase, or modify insurance policies to protect themselves against the devastating effects of flooding," said FEMA Administrator Craig Fugate.
Under the NFIP, federally backed flood insurance is made available to homeowners, renters and business owners in communities that adopt and enforce floodplain management ordinances designed to reduce future flood losses by regulating new construction. The NFIP identifies areas of flood risk, encourages communities to implement measures to mitigate against the risk of flood loss, provides financial assistance to help individuals recover rapidly from flooding disasters, and lessens the financial impact of flood disasters on individuals, businesses, and all levels of government.
The start of the 2012 Atlantic Hurricane season today provides an important reminder that flooding is the most common and costly natural disaster to affect every state across the country. ?Homeowner policies do not typically cover flood insurance and most everyone can purchase flood insurance - including renters, business owners and homeowners.? Generally, NFIP policies take 30 days to become effective; therefore, FEMA is urging residents to purchase flood insurance now.
Learn more about your flood risk, flood insurance and hurricane preparedness at www.floodsmart.gov and www.ready.gov/hurricanes.
>Follow FEMA online at www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema.? Also, follow Administrator Craig Fugate's activities at www.twitter.com/craigatfema.? The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.
FEMA's mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.
Last Modified: Friday, 01-Jun-2012 11:53:39
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Do your research. Become reasonably secure that the college you select and the degree a person acquire will enable you to meet your primary goal of financial stability.
VA Loans are generally a federal government financial program intended for Armed Force?s people both lively and reservist. The prerequisites have improved dramatically before few years. Before, ?credit scores were not required for Veterans administration Loans,? says Mansisidor, ?manual underwriting has been applied to this online pay day loans procedure.
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Backed loans for felons currently have interest rates of 6 percent. Neo subsidized loans have interest rates involving 8 percent and contains to be paid out while you enroll in your instruction.
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Multiple applications- For a private loan a credit application will have to be filed separately for each and every academic yr. However, this is especially valid with federal loans.
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President Barack Obama speaks at a Jewish American Heritage Month reception in the East Room at the White House in Washington, Wednesday, May 30, 2012. (AP Photo/Charles Dharapak)
President Barack Obama speaks at a Jewish American Heritage Month reception in the East Room at the White House in Washington, Wednesday, May 30, 2012. (AP Photo/Charles Dharapak)
FILE - In this May 29, 2012 file photo, epublican presidential candidate, former Massachusetts Gov. Mitt Romney speaks in Las Vegas. President Barack Obama's campaign was opening a new critique of Mitt Romney's record on Wednesday, focusing attention on the Republican nominee's economic agenda while he served as governor of Massachusetts. (AP Photo/Mary Altaffer, File)
FILE - In this Jan. 16, 2010 file photo, President Barack Obama shakes hands with former President George W. Bush, in the Rose Garden at the White House in Washington. President Barack Obama frequently blames President George W. Bush for America's shaky economy, high unemployment and foreign policy woes. But he's sure to change his tune on Thursday when Bush comes back to the White House in a rare limelight moment, The man who led the country for eight tumultuous years will have his portrait hung and Obama will be there applauding. (AP Photo/Pablo Martinez Monsivais)
Once again, Massachusetts is in the cross hairs of a presidential race.
The Obama campaign this week pounced on Mitt Romney's record as governor of Massachusetts from 2003-2007 after first attacking his private-equity business career.
Obama strategist David Axelrod was in Boston, where Romney's campaign is headquartered, on Thursday to slam Romney's record as governor.
"Romney economics didn't work then and it won't work now," he told a gathering. At one point a group of Romney supporters drowned him out.
Haven't we seen this movie before?
The attacks reprise assaults lobbed earlier this year by Romney's Republican challengers, which were basically reruns of charges aired in 2008, the first time Romney ran for president.
Massachusetts has produced more than its share of presidential contenders.
Sen. John F. Kennedy, D-Mass., was elected president in 1960. Brother Robert Kennedy, who was raised in Massachusetts but later represented New York in the Senate, was seeking the Democratic presidential nomination in 1968 when assassinated.
A third Kennedy brother, Sen. Edward M. Kennedy, D-Mass., tried to wrest the Democratic nomination from President Jimmy Carter in 1980.
Massachusetts-born George H.W. Bush attacked Massachusetts tax-and-spend liberals ? his campaign called the state "Taxachusetts" ? in his 1988 victory over Massachusetts Gov. Michael Dukakis.
Bush's oldest son, President George W. Bush, used some of the same arguments in 2004 re-election contest against Sen. John Kerry, D-Mass, suggesting he was far left of most Americans.
The late Paul Tsongas, who also represented Massachusetts for a while in the Senate, ran for the Democratic presidential nomination in 1992.
When Romney was elected in 2002, the state was in the midst of a deep recession.
Romney claims his policies helped end it. The Obama campaign claims he made things worse.
Sort of the same thing Romney is claiming Obama has done to the U.S. economy.
__
Follow Tom Raum on Twitter: http://www.twitter.com/tomraum. For more AP political coverage, look for the 2012 Presidential Race in AP Mobile's Big Stories section. Also follow https://twitter.com/APCampaign and AP journalists covering the campaign: https://twitter.com/AP/ap-campaign-2012
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Good risk management plans allow workers? compensation coverage for any hired subcontractors. Since subcontractors are not able to hide behind statutes for contracts, workers? compensation coverage may be required whether there are statutory provisions or not.
For those who are in contractor and subcontractor relationships, over 40 states have statutory regulations regarding workers? compensation benefits. Employees of subcontractors must also be offered workers? compensation benefits if they are injured. The benefits are paid by the immediate employer or the company hiring the immediate employer for the job. As a rule, general contractors face the responsibility of offering workers? compensation to employees of uninsured subcontractors. This is true regardless of the number of employees the subcontractor has. Premiums are also assigned to the general contractor.
General Contractors & Independent Contractors
It is important to avoid confusing the subcontractor-general contractor relationship with an owner-independent contractor relationship. A general contractor is the entity the owner contracts with to complete various projects. A portion or all of the tasks are then assigned to subcontractors. In order for a general contractor?s relationship to function, there must be three separate parties. These parties include the owner, an independent contractor and a subcontractor. If any portion of a job is subcontracted, a general contractor?s status changes to independent contractor.
An independent contractor is a party contracting directly with an owner or principal to complete a job. In most cases, independent contractors perform jobs that the principal or owner does not normally do. The entire job is completed by the independent contractor and employees. Keep in mind that they are not considered employees of the principal or owner.
As a rule, principals are not usually financially responsible for an independent contractor?s injured employees. They are also not responsible for the injuries of employees of subcontractors hired by the independent contractor. General contractors are financially responsible for an uninsured subcontractor?s injured employees.
Principals & General Contractors
If the subcontractor and general contractor both lack workers? compensation coverage, the principal may be sued for out-of-pocket expenses incurred by an injured worker. Since the principal does not qualify as a general contractor or employer, financial responsibility is not usually an issue. While employer status is nonexistent, there are other theories of liability that may constitute the need to pay compensation. For example, failing to provide a safe workplace could result in the principal paying an injured non-employee individual. In such a case, a workers? compensation policy or a general liability policy usually provides adequate defense.
It is important for general contractors and principals to require any contracting entities to provide workers? compensation coverage. When an independent contractor or subcontractor purchases this coverage, the act shows that the party does not have any misconceptions about an employer-employee relationship. Contracts between principals and general contractors should be specific in placing responsibilities. In the contract, a general contractor should agree that failing to require this insurance could result in personal statutory responsibility for the subcontractor?s injured employees. The general contractor should also agree to hold the principal harmless in an injury case.
Establishing Relationships With Subcontractors
While relationships between contractors and subcontractors are most commonly found in the construction business, they are also found in other industries. For example, cities hire special consultants to analyze traffic patterns. The consultant then hires engineers to perform various studies. They may also perform maintenance on traffic lights, or the work may be contracted out. There are plenty of other examples. However, all contractors and subcontractors
are subject to the laws regarding workers? compensation. To avoid facing financial responsibility for injured workers, it is important for general contractors to require all lower tiers of workers to carry their own workers? compensation insurance.
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