Saturday, October 20, 2012

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Friday, October 19, 2012

Nightmare election scenarios worry both parties

FILE - In this Nov. 22, 2000 file photo, Broward County, Fla. canvassing board member Judge Robert Rosenberg examines a challenged vote at the Broward County Emergency Operations Center in Plantation, Fla. The mere mention of the 2000 election unsettles people in Palm Beach County. The county?s poorly designed ?butterfly ballot? confused thousands of voters, arguably costing Democrat Al Gore the state, and thereby the presidency. Gore won the national popular vote by more than a half-million ballots. But George W. Bush became president after the Supreme Court decided, 5-4, to halt further Florida recounts, more than a month after Election Day. Bush carried the state by 537 votes, enough for an Electoral College edge, and the White House. (AP Photo/Wilfredo Lee, File)

FILE - In this Nov. 22, 2000 file photo, Broward County, Fla. canvassing board member Judge Robert Rosenberg examines a challenged vote at the Broward County Emergency Operations Center in Plantation, Fla. The mere mention of the 2000 election unsettles people in Palm Beach County. The county?s poorly designed ?butterfly ballot? confused thousands of voters, arguably costing Democrat Al Gore the state, and thereby the presidency. Gore won the national popular vote by more than a half-million ballots. But George W. Bush became president after the Supreme Court decided, 5-4, to halt further Florida recounts, more than a month after Election Day. Bush carried the state by 537 votes, enough for an Electoral College edge, and the White House. (AP Photo/Wilfredo Lee, File)

FILE - This Nov. 8, 2000 file photo shows Orlando Sentinel election night headlines The first headline was, "Oh, so close," followed by "IT'S BUSH," then "IS IT BUSH?" and lastly "CONTESTED." The presidential election is still undecided while the nation waits for Florida's final vote count. The mere mention of the 2000 election unsettles people in Palm Beach County. The county?s poorly designed ?butterfly ballot? confused thousands of voters, arguably costing Democrat Al Gore the state, and thereby the presidency. Gore won the national popular vote by more than a half-million ballots. But George W. Bush became president after the Supreme Court decided, 5-4, to halt further Florida recounts, more than a month after Election Day. Bush carried the state by 537 votes, enough for an Electoral College edge, and the White House. (AP Photo/Peter Cosgrove, File)

FILE - In this Nov. 15, 2000 file photo, then-Republican presidential candidate, Texas Gov. George W. Bush prepares to make a statement from the governor's mansion in Austin, Texas, concerning the Florida vote count. The mere mention of the 2000 election unsettles people in Palm Beach County. The county?s poorly designed ?butterfly ballot? confused thousands of voters, arguably costing Democrat Al Gore the state, and thereby the presidency. Gore won the national popular vote by more than a half-million ballots. But George W. Bush became president after the Supreme Court decided, 5-4, to halt further Florida recounts, more than a month after Election Day. Bush carried the state by 537 votes, enough for an Electoral College edge, and the White House. (AP Photo/Eric Gay, File)

FILE -In this Nov. 8, 2000 file photo, then-Democratic presidential candidate, Vice President Al Gore speaks in Nashville, Tenn., on the current status of the presidential vote recount in Florida. The mere mention of the 2000 election unsettles people in Palm Beach County. The county?s poorly designed ?butterfly ballot? confused thousands of voters, arguably costing Democrat Al Gore the state, and thereby the presidency. Gore won the national popular vote by more than a half-million ballots. But George W. Bush became president after the Supreme Court decided, 5-4, to halt further Florida recounts, more than a month after Election Day. Bush carried the state by 537 votes, enough for an Electoral College edge, and the White House. (AP Photo/Stephan Savoia, File)

FILE -This Nov. 21, 2000 file photo shows Florida Supreme Court spokesman Craig Waters announces the courts 7-0 ruling, on the Capitol step in Tallahassee, Fla., that amended votes tallies must be accepted in the state contested presidential election. The mere mention of the 2000 election unsettles people in Palm Beach County. The county?s poorly designed ?butterfly ballot? confused thousands of voters, arguably costing Democrat Al Gore the state, and thereby the presidency. Gore won the national popular vote by more than a half-million ballots. But George W. Bush became president after the Supreme Court decided, 5-4, to halt further Florida recounts, more than a month after Election Day. Bush carried the state by 537 votes, enough for an Electoral College edge, and the White House. (AP Photo/Pete Cosgrove, File)

(AP) ? Here in a county that knows a thing or two about Election Day meltdowns, both parties are fretting over what might go seriously wrong before, during or just after the Nov. 6 presidential election.

"More than 50 percent of the provisional ballots are thrown in the trash in this state," Florida state Rep. Mark Pafford told about 80 retirees who gathered for last week's meeting of the Golden Lakes Democratic Club.

That's only a slight exaggeration ? 48 percent of the provisional ballots cast in Florida in 2008 were rejected. And Pafford's warning underscores anxiety in Florida and other states about legal challenges, ballot problems or bizarre outcomes that could bedevil a race that seems likely to be close ? conceivably as close as the 2000 contest that people still quarrel about.

Merely the mention of that election unsettles people in Palm Beach County. The county's poorly designed "butterfly ballot" confused thousands of voters, arguably costing Democrat Al Gore the state, and thereby the presidency.

Gore won the national popular vote by more than a half-million ballots. But George W. Bush became president after the Supreme Court decided, 5-4, to halt further Florida recounts, more than a month after Election Day. Bush carried the state by 537 votes, enough for an Electoral College edge.

"Pregnant chad" entered the political lexicon. And Americans got a jolting reminder of the Founding Fathers' complex recipe for indirectly electing presidents.

Even if everything goes smoothly, it's conceivable the nation will awaken to a major shock in three weeks: an Electoral College tie between President Barack Obama and Republican Mitt Romney. That would throw the decision to the House of Representatives, currently controlled by Republicans but up for grabs in this election.

A 269-269 Electoral College tie is unlikely but far from impossible. It could result, for instance, if Romney wins all the competitive states except Ohio, Wisconsin and New Hampshire.

Four U.S. elections, including 2000, saw the presidency go to the person who finished second in the popular vote. There has never been an Electoral College tie. However, the U.S. House handed the 1824 election to John Quincy Adams after he finished second ? in both the popular vote and the Electoral College vote ? in a four-man race in which no one won a majority in either count.

An Electoral College tie isn't the only nightmare scenario that could raise doubts about the election's fairness and worsen partisan bitterness, which already divides Americans and makes compromise in Congress so difficult.

Campaign activists in many states are bracing for possible confusion, delays and even confrontations in polling places on Nov. 6. They are particularly watching Democratic-leaning precincts where Republicans may challenge some people's eligibility to vote.

In recent years, Republican officials in several states have pushed for tighter voter restrictions, including requirements for photo identifications and reductions in the amount of time allowed for early voting. Republicans say they are trying to prevent voter fraud. Democrats, however, note the absence of proven cases of serious election fraud. They say the GOP actions are meant to suppress voting by Democratic-leaning groups such as blacks, Hispanics, low-income people and college students.

Democrats have won court rulings in several states curtailing GOP efforts to shorten early voting periods and require new forms of identification. One Republican initiative that survived, however, is the end to a Florida tradition of allowing voting on the Sunday before Election Day, the "Souls to Polls" day when some black churches would urge congregants to vote upon leaving services.

The Obama campaign has amassed an army of lawyers and non-lawyer volunteers to watch voting places and quickly appeal to state and local election officials if they think legitimate voting is being impeded.

Since 2000, "we've had an amazing group of dedicated lawyers that have been on the ground for 12 years," said Charles Lichtman, a Fort Lauderdale-based attorney helping oversee the Democrats' effort. "So there's nothing they can throw at us that we haven't seen or that we're not ready for."

Other states are doing the same. A single memo seeking lawyers and law students to help safeguard Obama's voter turnout efforts netted nearly 4,000 responses, said Robert Bauer, the campaign's chief lawyer and a former White House counsel.

"The primary issue is making sure the voter experience is secure, fair and reliable," Bauer said.

Romney's campaign also has assembled huge teams of lawyers and volunteers who have spent months getting to know campaign laws and practices in key states, and the election officials who enforce them.

"We have volunteers who will observe the election process at polling places and report potential problems back to our state leadership teams," who in turn will immediately contact election officials, said Romney campaign spokesman Ryan Williams. The campaign "is committed to ensuring a fair and open election," he said.

Some Democrats, however, say they are concerned that GOP voter challenges and procedures at heavily Democratic precincts could create delays, intimidation and lower turnout.

If voters see "a line that's an hour long," they may give up, said Patrick Murphy, the Democrat waging an expensive, high-profile challenge to Rep. Allen West, R-Fla., a tea party favorite. Murphy said a young man said he received a phone call in which someone told him police officers with metal detectors would guard polling places.

Murphy said the man asked him, "Am I going to be arrested?"

Republicans say eligible voters have nothing to fear. But they plan to aggressively watch many Democratic-leaning polling sites.

"I'm almost obsessed" with getting Romney elected, said Kim Bachman, who joined other Republicans to watch last week's vice presidential debate at a West Palm Beach sports bar. The mother of three young sons said she would take a Republican "mini-course" on poll-watching, and spend Nov. 6 wherever the Romney campaign needs her.

One post-election controversy that could inflame tensions and delay an outcome involves provisional ballots, a subject of revised laws in Florida, Virginia and other key states.

Voters cast provisional ballots for numerous reasons: They don't bring proper ID to the polls; they fail to update their voter registration after moving; they try to vote at the wrong precinct, or their right to vote is challenged by someone.

The ballots might eventually be counted, but only if election officials can verify the voters were eligible, which can take days or weeks. Voters cast nearly 2.1 million provisional ballots in the 2008 presidential election. About 69 percent were eventually counted, according to election results compiled by The Associated Press.

In a razor-thin contest, "it's a possibility of a complete meltdown for the election," University of Florida political scientist Daniel Smith said.

The most nightmarish outcomes of all might cause millions of Americans and foreigners to question the fairness of presidential elections. Suppose, for instance, Obama wins more popular votes than Romney, but the two men are tied in the Electoral College. The Constitution gives each state delegation to the U.S. House one vote, meaning a small state such as Idaho has vastly more proportional clout than a big state like California. If the post-2012 House looks like the current one, the Republicans in control would almost surely name Romney president.

It's one thing to have the Supreme Court rule on one state's recount practices, resulting in an Electoral College win for the person who finished second in nationwide ballots. It's another thing to have the sharply partisan House of Representatives break an Electoral College tie in the runner up's favor.

Under another possible scenario, however, it would be Republicans howling in anger. Opinion polls show rising enthusiasm for Romney among GOP voters. That suggests he might run up bigger margins in reliably Republican states, such as Texas and Georgia, than Obama obtains in solidly Democratic states such as California and New York.

Obama might lose the national popular vote but win the Electoral College vote ? and thus a second term ? by squeaking past Romney in Ohio, Wisconsin and Iowa, while losing Florida and all the other competitive states.

In essence, it would be a partisan reversal of 2000, the year that prompted countless Americans to wish for clean, clear, no-questions-asked election outcomes.

___

Follow Charles Babington on Twitter: https://twitter.com/cbabington.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-10-18-Presidential%20Campaign-Nightmare%20Scenarios/id-5153df8f2ad94328bf1ba1a6110f7710

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Biden pushes early voting in Nevada and Colorado

RENO, Nev. (AP) ? Vice President Joe Biden is appealing to Nevada voters to get to the polls as soon as early voting begins to help make sure President Barack Obama carries the swing state again.

"If we win Nevada, we will win this election," Biden told about 500 people in a ballroom at a Reno convention center. He who delivered a similar message to voters in Greeley, Colo., earlier Wednesday.

Early voting begins Saturday in Nevada and is under way in Colorado.

The vice president said Republican candidate Mitt Romney and his running mate, Rep. Paul Ryan, continue to spread doom and gloom about the economy despite signs of recovery.

"I've never seen two candidates more negative about the economy," Biden said. "I don't recognize the country they are talking about."

Four years ago, Obama became the first Democrat to carry Reno's GOP-leaning Washoe County since Lyndon Johnson in 1964. His campaign is counting on a similar effort ? combined with strong turnout in the heavily Democratic Las Vegas area ? to offset the rest of the state that is largely rural and staunchly GOP.

"Nevada has the potential to swing this election," Dana Galvin, president of the Washoe Education Association, said as the crowd chanted "four more years" and "Joe, Joe, Joe" before Biden began his speech. "There is too much on the line not to make your voice heard."

Biden said Romney wants to return to the same failed GOP policies in place under President George W. Bush.

"We've seen this movie before ? shred regulations, let Wall Street have its way, let banks right their own rules, massive tax cuts ? unpaid for ? for the wealthy," Biden said. "The last time this happened, the middle class was crushed. Nine million jobs were lost, almost all of them through no fault of their own."

Nevada remains near the top of the nation in terms of foreclosures and unemployment but has seen those numbers improve in recent months. "No state suffered more than yours as a consequence," Biden said.

Source: http://news.yahoo.com/biden-pushes-early-voting-nevada-colorado-031257144--election.html

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Celebrity Real Estate - Curbed National

Friday, October 19, 2012, by Amy Schellenbaum

lizhurley.jpgBritish spokesmodel-actress Elizabeth Hurley has bought a countryside estate with her Australian cricket player fianc? Shane Warne. Donnington Hall, a 12-bedroom spread in Herefordshire, England, has all the trappings of a $9.684M historic home, including staff quarters, a library, and?obviously?a walk-in gun cupboard. The Real Estalker has more. [The Real Estalker]

Source: http://curbed.com/archives/2012/10/19/celebrity-real-estate-124.php

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Thursday, October 18, 2012

Astro pulls curtain on 2013 edition of $250 A40 gaming headset, MixAmp Pro package (video)

Astro pulls curtain on 2013 A40 Pro gaming headset, MixAmp Pro

Astro's just refreshed its high-end wired A40 headset and matching MixAmp Pro, a duo that mash together gaming talents with audiophile chops. The 2013 edition of the headset adds an updated quick disconnect system and re-tuned drivers for better bass response and less distortion, with Astro claiming that they're "the most accurate Astro headsets ever." Returning features include a removable, swappable mic, Dolby Digital 7.1 surround sound, customizable speaker tags and multi-system compatibility. The revised MixAmp Pro now allows game sound and incoming or outgoing voice chat to be livestreamed with a single cable, while also bringing new custom audio profiles, a smaller size and an optical port. You'll still have game-to-voice balance controls, Dolby 5.1 and 7.1 surround and a dedicated voice channel with the dedicated mixer/preamp, to boot. The pair are sold together for the same $250 price we saw for the original way back in 2007 -- check the PR and video after the jump to see where to grab them.

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Bi-Weekly Mortgage Payments | FiGuide

Most homeowners have been solicited by their mortgage company or another financial institution with an offer to convert to biweekly mortgage payments instead of monthly payments. The advantage touted for this strategy is saving a heap of interest over the years and reducing the time required to pay off your mortgage by several years. Clients often ask us whether this is a good idea or not. No, it is not smart; it is a scam.

If that is all you need to know, you're done: go on and read something else. If you want to understand why it's not smart, read on!

The math does work: paying half your monthly mortgage every two weeks does pay off your mortgage much faster and does save a substantial amount of interest. It may also be viewed as very convenient since most people are paid biweekly.

Investment Earnings Exceed Benefit of Interest Savings

It is not financially advantageous because it doesn't take into account the foregone investment earnings, which is more than the mortgage interest saved. The reason biweekly mortgage payments reduce interest and the length of the mortgage is that you end up paying an additional month's mortgage payments each year (26 payments divided by 2 = 13 Months). The correct comparison is not between biweekly mortgage payments and monthly mortgage payments. The correct comparison is between the interest expense you could save with biweekly payments and the amount of interest earned if you invest the additional amount you otherwise would be paying on your mortgage.

A Sample Mortgage Situation (or A Case Study)

Consider a 30-year, 4% fixed -rate mortgage taken out 5 years ago by a taxpayer in a 33% federal tax bracket. The taxpayer is offered a deal to switch to biweekly payments which would require a $500 ?set up? fee plus half of a month's mortgage payment to start. The interest rate (4.0%) remains the same, but instead of a monthly payment of $763.86, the home owner would pay $381.93 biweekly. This would enable the homeowner to pay off the mortgage in 21 more years (instead of 25) and save the homeowner $42,572 in interest expense. This is the ?pitch.?

To correctly analyze this problem, there are five factors to consider:

1. Normally (but not always) the mortgage company charges a fee of about $500 to set this up for you. This is ridiculous because most mortgages permit prepayments with no additional fee or penalty. If you were to invest this $500 fee at 6.00% for the 21-year mortgage period, it would grow to about $815.

2. The terms of the biweekly arrangement actually require that the payments be made at the beginning of the period, whereas typical mortgages charge the ?payments at month-end. If the homeowner invested only one month?s payment at 6% for 21 years, it would earn about $480 in interest.

3. Paying half of the monthly payment every two weeks is comparable to paying 13 monthly house payments a year. If the extra $764 was invested each year instead of being used to pay off the mortgage, it would grow to $30,548.

4. Since home mortgage interest is deductible, choosing to reduce interest by $42,572 over the next 21 years would increase federal income taxes by $12,024, plus the taxes saved would earn $ 7,575 over the 21 years.

5. In total, the $ 51,442 in additional investment earnings generated by investing the money instead of paying down the mortgage is sufficient to pay off the balance of the original 30- year mortgage in full in 21 years and still have $18,262 in cash remaining.

Additional Reasons Why Biweekly Mortgages Are Not Advantageous

In addition, if you were able to invest the surplus mortgage payments in an IRA or other pension each year, you would be able to defer an additional $17,981 in income taxes.

Consider also that mortgage providers generally charge a lower rate for shorter mortgages. So if you wanted to pay off your home in 25 years instead of 30, it would be wiser to arrange that at the outset when applying for a mortgage and take advantage of the lower rate.

I advise clients to keep a longer mortgage on their home because it is your best hedge against inflation. If inflation increases in the next 5 or 10 years back to 5% or 10% as it did during the 70s and 80s, mortgage rates will soar to 9 to14%. You would be pleased to owe the bank a couple hundred thousand dollars at a 4% fixed rate as your money market account is paying 6% or more!

Special thanks to those who collaborated on this post: Chip Simon, an ACA colleague from Poughkeepsie, N.Y., Al Hoefer, my technical consultant, and Shari Cohen who was the copy editor.

Source: http://www.figuide.com/bi-weekly-mortgage-payments.html

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Over 1 billion smartphones are in use right now

5 hrs.

I'll skip the "A million isn't cool, you know what's cool?" joke and tell you the news: There are currently over one billion smartphones in use around the world.

This statistic comes from the research firm Strategy Analytics, which explains that this milestone was reached for the very first time in the third quarter of 2012.?

It took 16 years for the smartphone industry to get here.

Strategy Analytics senior analyst?Scott Bicheno says the 16-year counter starts with the Nokia Communicator, introduced in 1996. Many consider it to be the first smartphone. "Nokia remained a dominant force in smartphones for over a decade," Bicheno says, "until the arrival of Apple?s iconic iPhone in 2007."

At this point, the firm estimates that one in seven individuals in the world owned a smartphone during the third quarter of 2012. And given how much room there is for growth in the smartphone market, that number will grow quickly.

"The first billion smartphones in use worldwide took 16 years to reach,"?Strategy Analytics executive director Neil Mawston?says. "But we forecast the next billion to be achieved in less than three years, by 2015.?

Want more tech news?or interesting?links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on?Twitter, subscribing to her?Facebook?posts,?or circling her?on?Google+.

Source: http://www.nbcnews.com/technology/technolog/over-1-billion-smartphones-are-use-right-now-1C6519426

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