Sunday, 18 March 2012

Arctic climate 'tech fixes' urged

An eminent UK engineer is suggesting building cloud-whitening towers in the Faroe Islands as a "technical fix" for warming across the Arctic.

Scientists told UK MPs this week that the possibility of a major methane release triggered by melting Arctic ice constitutes a "planetary emergency".

The Arctic could be sea-ice free each September within a few years.

Wave energy pioneer Stephen Salter has shown that pumping seawater sprays into the atmosphere could cool the planet.

The Edinburgh University academic has previously suggested whitening clouds using specially-built ships.

At a meeting in Westminster organised by the Arctic Methane Emergency Group (Ameg), Prof Salter told MPs that the situation in the Arctic was so serious that ships might take too long.

"I don't think there's time to do ships for the Arctic now," he said.

"We'd need a bit of land, in clean air and the right distance north... where you can cool water flowing into the Arctic."

Continue reading the main story

?Start Quote

Everybody working in geo-engineering hopes it won't be needed - but we fear it will be?

End Quote Stephen Salter Edinburgh University

Favoured locations would be the Faroes and islands in the Bering Strait, he said.

Towers would be constructed, simplified versions of what has been planned for ships.

In summer, seawater would be pumped up to the top using some kind of renewable energy, and out through the nozzles that are now being developed at Edinburgh University, which achieve incredibly fine droplet size.

In an idea first proposed by US physicist John Latham, the fine droplets of seawater provide nuclei around which water vapour can condense.

This makes the average droplet size in the clouds smaller, meaning they appear whiter and reflect more of the Sun's incoming energy back into space, cooling the Earth.

On melting ice

The area of Arctic Ocean covered by ice each summer has declined significantly over the last few decades as air and sea temperatures have risen.

For each of the last four years, the September minimum has seen about two-thirds of the average cover for the years 1979-2000, which is used a baseline. The extent covered at other times of the year has also been shrinking.

What more concerns some scientists is the falling volume of ice.

Analysis from the University of Washington, in Seattle, using ice thickness data from submarines and satellites, suggests that Septembers could be ice-free within just a few years.

"In 2007, the water [off northern Siberia] warmed up to about 5C (41F) in summer, and this extends down to the sea bed, melting the offshore permafrost," said Peter Wadhams, professor of ocean physics at Cambridge University.

Among the issues this raises is whether the ice-free conditions will quicken release of methane currently trapped in the sea bed, especially in the shallow waters along the northern coast of Siberia, Canada and Alaska.

Methane is a much more potent greenhouse gas than carbon dioxide, though it does not last as long in the atmosphere.

Several teams of scientists trying to measure how much methane is actually being released have reported seeing vast bubbles coming up through the water - although analysing how much this matters is complicated by the absence of similar measurements from previous decades.

Nevertheless, Prof Wadhams told MPs, the release could be expected to get stronger over time.

"With 'business-as-usual' greenhouse gas emissions, we might have warming of 9-10C in the Arctic.

"That will cement in place the ice-free nature of the Arctic Ocean - it will release methane from offshore, and a lot of the methane on land as well."

This would - in turn - exacerbate warming, across the Arctic and the rest of the world.

Abrupt methane releases from frozen regions may have played a major role in two events, 55 and 251 million years ago, that extinguished much of the life then on Earth.

Meteorologist Lord (Julian) Hunt, who chaired the meeting of the All Party Parliamentary Group on Climate Change, clarified that an abrupt methane release from the current warming was not inevitable, describing that as "an issue for scientific debate".

But he also said that some in the scientific community had been reluctant to discuss the possibility.

"There is quite a lot of suppression and non-discussion of issues that are difficult, and one of those is in fact methane," he said, recalling a reluctance on the part of at least one senior scientists involved in the Arctic Climate Impact Assessment to discuss the impact that a methane release might have.

Reluctant solutions

The field of implementing technical climate fixes, or geo-engineering, is full of controversy, and even those involved in researching the issue see it as a last-ditch option, a lot less desirable than constraining greenhouse gas emissions.

Continue reading the main story

Adaptation

Action that helps cope with the effects of climate change - for example construction of barriers to protect against rising sea levels, or conversion to crops capable of surviving high temperatures and drought.

"Everybody working in geo-engineering hopes it won't be needed - but we fear it will be," said Prof Salter.

Adding to the controversy is that some of the techniques proposed could do more harm than good.

The idea of putting dust particles into the stratosphere to reflect sunlight, mimicking the cooling effect of volcanic eruptions, would in fact be disastrous for the Arctic, said Prof Salter, with models showing it would increase temperatures at the pole by perhaps 10C.

And last year, the cloud-whitening idea was also criticised by scientists who calculated that using the wrong droplet size could lead to warming - though Prof Salter says this can be eliminated through experimentation.

He has not so far embarked on a full costing of the land-based towers, but suggests ?200,000 as a ballpark figure.

Depending on the size and location, Prof Salter said that in the order of 100 towers would be needed to counteract Arctic warming.

However, no funding is currently on the table for cloud-whitening. A proposal to build a prototype ship for about ?20m found no takers, and currently development work is limited to the lab.

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Source: http://www.bbc.co.uk/go/rss/int/news/-/news/science-environment-17400804

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Can my ex-girlfriend get away with stealing her down ... - Legal Help

This is a discussion on Can my ex-girlfriend get away with stealing her down payment? within the Real Estate and Property Law Questions forums, part of the Legal Questions & Answers Forum category; In Racine County Wisconsin I sued my ex-girlfriend for 5200$ and won. Lien was placed on her house. Garnishment was also placed and went thru. After she realized the garnishment ...

  1. In Racine County Wisconsin I sued my ex-girlfriend for 5200$ and won. Lien was placed on her house. Garnishment was also placed and went thru. After she realized the garnishment was coming from her check she immediately quit her job. After finding her at her next job and filing that garnishment she filed an objection a debtors answer I believe. She's claiming financial hardship claiming single mom but doesn't meet the poverty guidelines. She's dodged payment for almost a year now and believes she can now try to settle out of court, making minimal payments. But she hasn't given me a single dollar that wasn't taken from her by court order. Can she really get away with this?

  2. Administrator Points: 22,012, Level: 100 Level completed: 0%, Points required for next Level: 0 Overall activity: 100.0% Achievements:
    3 months registeredCreated Blog entry10000 Experience PointsOverdrive

    Well the only way she can settle with you is if you agree to the settlement so I am not really sure what she is trying to do.
    Legal Disclaimer: Answers to questions on this forum are for informational and educational purposes only and do not constitute Legal Advice. No attorney-client relationship is established through this forum.

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Saint Louis Tops Memphis, 61-54, In NCAA Tournament

Saint Louis Memphis Ncaa Tournament

COLUMBUS, OH - MARCH 16: Kwamain Mitchell #3 of the Saint Louis Billikens celebrates with teammates Rob Loe #51 and Jordair Jett #5 after defeating the Memphis Tigers.

Apple made some bold claims about its new A5X chip, claiming it would give a 4x graphical boost over Nvidia's Tegra 3. At the same time, the Tegra 3 is a powerhouse of computational processing. So lets put 'em to the test. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/CFwJUWzN48Q/ipad-test-notes-speed-versus-tegra-3

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Summary Box: What has Occupy achieved in 6 months?

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Get The Health Insurance Tips That Will Help | Insurance48.net ...

Re-assess your prescription coverage every year. Every year, when you re-enroll in your insurance plan, your insurance company has the right to change the plan terms. Read all the paperwork when you re-enroll and ask your insurance agent to clarify anything you?re confused about. In particular, keep an eye on the prescription drugs covered by your plan and note changes that may occur from year to year. If you need medication on a regular basis and your insurance company no longer covers it, you need to find a new insurer.

Good health insurance is important for you and your children. Children can develop many health conditions that can be extremely expensive without insurance, such as growth disorders, the need for braces, and diseases that require constant medication such as diabetes and asthma. Making sure that your children are covered under a health insurance plan is extremely important, so that you can pay for everything that they might need.

Pay less on your taxes with health insurance! Many people don?t realize that their health insurance premiums are tax deductible. The money you pay for deductibles, visits or prescriptions that aren?t covered by insurance are also deductible. Federal and state taxes are different, so it?s best to check the guidelines.

To get more from your plan, understand its ins and outs well. Important things to know are what your provider options are, who bears responsibility for medical costs, what is or is not covered and what services are always out-of-pocket.

If you are suffering from any disease or condition, make sure you find out what your health insurance company thinks of that! You may not even be approved with certain conditions, and some companies will approve you and then charge you a massive premium surcharge. Doing your research ahead of time is the best way to get a good rate.

Many people are able to qualify for discount medical card, which lets you switch to a less costly insurance plan. You can visit reduced fee doctors within your insurer?s network who cater to low-income families. These cards can also get you an HSA, or Health Spending Account plan, which will cover costs.

If you or loved ones have vision problems, it may be a good idea to get vision insurance. Vision insurance will help you afford your annual eye exam and your eyeglasses or contact lenses. Vision insurance is not something that you have to have, so it may cost you more to get the coverage.

Try the ?free look? selection. This will enable you to use the policy for between 10 and 30 days, and literally test it out. If you choose to not keep the policy you have, you could return it in the given time frame and then get a refund back.

Try joining a group when you buy health insurance. Private individual health policies are more expensive than employer provided health insurance benefits. If you are currently working, your employer will probably be able to get group rates for all of the staff. Alumni associations, trade organizations and other groups might offer group rates on health insurance.

It?s important to be knowledgeable and prepared when it comes to choosing a health insurance policy. You will ultimately be happier with the policy you choose if you are orderly with reviewing the options, open with discussions about what you need, and check out multiple companies who offer the service.

For those that are young and healthy, and do not visit the doctor very often, a HSA, or Health Savings Account may be the way to go. This allows a person to save money pre-tax in an account to be used for medical expenses later. The premium savings from a high deductible can go into the account, for example.

Regardless of the kind of insurance policy you have, you will save money if you always choose generic prescription drugs. Generic drugs contain the same active ingredients as brand name medications, and are available for most prescription medications.

Understanding health insurance will allow you to make an informed decision when it comes to getting the insurance your family needs. Health insurance is of the utmost importance, and you should learn all you can about it. Health insurance just might be the most necessary purchase that you ever make.

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Source: http://www.insurance48.net/get-the-health-insurance-tips-that-will-help/

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Friday, 16 March 2012

Affordable car loans help people rise out of poverty | Auto Finance ...

Affordable car loans help people rise out of poverty

Access to an affordable car can help people get from point A to point B, but a new report indicates it may also help them get off public aid and climb out of poverty.

The survey from ICF International found that, of 445 auto loan recipients from low-income car ownership program Ways to Work, 82 percent were able to use their cars to get off public aid. The auto loans are offered to families with credit problems who pass a financial literacy test and income assessment, according to a report in The Los Angeles Times.

Some of the benefits reported by recipients of the loans include increased incomes and wages, and better access to education and financial services. Ways to Work is a privately funded organization that has issued more than $32 million in loans to low-income families over the last decade, resulting in taxpayer savings of roughly $18.2 million per year that would otherwise have gone to public aid, the Times reports.

As the credit market improves, more commercial lenders have been offering subprime auto loans, according to a recent report from credit analyst Experian. During the fourth quarter of 2011, the number of auto loans for people with bad credit rose by 13.8 percent.


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Source: http://www.autonetfinancial.com/news/376161/affordable-car-loans-help-people-rise-out-of-poverty/

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