Do you have leaves in your gutters or money in your gutters?

It is always interesting to watch the power of advertising in action.

Today I want to talk about the advertizing used to support the various guard-guard systems that are available on the market.? Of course if you look at the promotional advertising from all of these companies they will each tell you exactly why they are the best.

In the field, as a Seattle Home Inspector, I get to see the ?truth? of these various claims.

On a recent inspection, one of the gutter-guard systems that advertises heavily around here (and that spends a lot of advertizing dollars ripping one of the other more famous gutter-guards) was clearly not functioning as advertised.

I think the idea of gutter-guard systems is a good one, as many people injure themselves in the terminal job of keeping gutters clean.? When I am inspecting homes I try to see which ones are functioning as advertized.? During times of heavy rains is the best time to see how well they are functioning.? As you can see in the following picture, this micro-filter type guard is completely clogged with algae and actually holding water to the point it is running over the edge.? Impact marks all around the home were consistent with this lack of proper function for some time.

Some gutter-guards work better than others

As you can see in the following video---water is freely running over the edge all along the edge of the gutter.

Another type of gutter-guard are ones that rely on a rolled edge at the front of the gutter.? The concept of the design of these gutters is that water follows the rolled edge by friction and drips off into the gutter while the leafs and light-weight debris fall by gravity past the face of the gutter.? Of course the screen-filter type cover company's advertizing states that this does not work.? Of the dozens of these roll-type gutters I have inspected, I have yet to see one that was clogged.? Now perhaps I have just been lucky---but I doubt it.

All the ones that attempt to filter the water across the top surface appear less functional over time than the roll type.

Gutter Helmet and Leaf-Guard are two of the most common roll-type guards I see in this area and I have yet to see one that was not functioning as advertised---but I am still looking.

I think the lesson here is to not always believe what you hear and make sure you verify what you hear.?? Otherwise it might be your money that is going down the gutter.

?

Charles Buell, Real Estate Inspections in Seattle

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Seattle Home Inspector

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Football sport is played on a rectangular fields embedded with grass or an artificial turf. There are lots of cups held in between the soccer teams. World cup soccer is a world foot ball competition held between all of the national teams from each particular person country. This cup is organized for each 4 consecutive years. Football sport is also known as as soccer sports bysome soccer associationsin some components of the world. American soccer is a well known sport in America. This is played in between two teams geared up with eleven gamers each side. The primary intention of the sport is to attain the points by driving the ball into the opponent?s finish level by operating with it or by throwing the ball.

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Basketball is also a well-known sport within the current era and it may be categorized under NBA sports. This is the well-known association for basket ball in America. Now-a-days cricket has develop into the craziest sport within the public. This sport is categorized into three formats. They are at some point matches, take a look at cricket matches and twenty- twenty matches. The at some point matches are played for a single day by limiting 50overs per each side. Twenty- twenty is fast sport which is restricted to twenty over?s for both sides whereas the take a look at cricket is the ancient one and it is played for 5 steady days restricted for 80 over?s for each day.

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Should I tap my retirement savings? - The Help Desk - CNN.com

I have a $325,000 home, a $250,000 mortgage and a student loan. I have been taking money out of my IRA since getting laid off, and paying a 10% penalty with each withdrawal. It could be several months before I land a full-time job. Am I better off continuing to tap my IRA, or should I take out an equity loan on my house, rent out my home and move in with family, or sell my home? ? Cheri S.

Your retirement accounts should be your option of last resort. "The first thing to do is to use your liquid savings, if you haven't already," says Brent Lince of Hillsboro, Ore.-based Lince Financial Planning. This could mean using cash savings, CDs and money market accounts before tapping into an IRA.

If you've used up your liquid savings, however, your best choice may be to sell your home. Not only would it free up the equity you have in the house, but it would mean saving on the costs of property ownership, such as insurance, maintenance, and property taxes. By comparison, a home equity loan would mean taking on more debt. And Lince says that may not be a wise move when you're looking for a source of income.

In the meantime, look for other ways to reduce your cost of living. For example, contact your lender and see if you qualify for a student loan deferral. If you have a federal loan, you can find out if you qualify for deferral at the U.S. Department of education site (studentaid.ed.gov). That would allow you to focus your limited funds on covering your other costs.

??Austin Kilham

Got a question for the Help Desk? Send it to?helpdesk@cnnmoney.com.

Source: http://helpdesk.blogs.money.cnn.com/2012/11/26/tap-retirement-savings/

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Main Plot and Quests

Slender Man- Lost Souls of Gainsboro Hills

5 people whose lives have been affected by the urban legend gather together to try and uncover the truth... (OPEN AND ACCEPTING)

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--> Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
Hello everyone. After experiencing many roleplays on this site, I've noticed that one of the most frustrating things is that roleplayers can often get stuck and "not know what to do".
Thats why I've incorporated a "Quest System" in this roleplay. Each character will be assigned tasks and encounter various obstacles throughout the story. As an example, in the beginning of the story I've asked Derrick Maple to go and interview the family of a missing child. At this point Derrick can take full charge of this quest, has full autonomy and can write how things turned out. Also note that you don't have to wait for me to tell you what to do. You can assign yourselves quests, make up your own side characters, etc. Be creative and find something to do. Just a couple points to keep in mind:

1) Although we don't have an exact set "Ending", we can agree on a main plot and write our posts accordingly. So the main plot is this:
a) We don't really know if Slender Man really exists. He could just be figment of our collective imagination.
b) If Slender Man is real, The mystery is whether or not the people he kidnaps are still alive or not. If they are, where does he keep them?
c) Perhaps Slender has some sort of weakness???
d) What are the reasons why Slender is so interested in this town?

2) Your character should encounter difficulties and trials. These are important because it shows your character's personality.

3) Make up your own side characters and places that are related to the main plot. Some examples might be people who know a thing or two about Slender, certain objects or places that might be related to Slender, or people who can give you clues on where to go and who to talk to.

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Bonjour51
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Thai police fire tear gas in clash with hundreds of protesters

BANGKOK (Reuters) - Thai police fired tear gas in clashes with hundreds of protesters in Bangkok on Saturday ahead of a rally seeking to overthrow the government of Prime Minister Yingluck Shinawatra in the largest demonstration yet against her administration.

The protest highlights tensions that have been simmering since Yingluck's Puea Thai party swept to victory in July 2011 and could herald another period of unrest in Thailand.

Anti-riot police wielding plastic shields fired gas canisters at protesters who tried to climb over cement and barbed wire barriers blocking entry to the rally site. Police said "between 300 and 400 protesters" clashed with police.

At least seven police were wounded and up to 132 protesters arrested in the clash near the United Nations headquarters in Bangkok, a stone's throw away from the main rally site.

Pitak Siam, a new anti-government group, has attracted the support of various royalist groups including "yellow shirt" members of the People's Alliance for Democracy (PAD) who helped destabilize governments either led or backed by former premier Thaksin Shinawatra, Yingluck's brother, in 2006 and 2008.

Authorities have deployed 17,000 police at the rally site and the government has invoked the Internal Security Act allowing police to detain protesters and carry out security checks and set up roadblocks.

Police say they have seized various weapons, including knives and bullets, as protesters arrived at the protest area.

"We used tear gas because protesters were blocking police and did not comply with the security measures we put in place," police spokesman Piya Uthaya told a local TV station.

Thailand has seen frequent bloody street protests in recent years including a rally that lasted more than two months by supporters of the present government in 2010.

Those protests sparked a military crackdown that left at least 91 people dead and more than 1,700 injured.

The royalist Pitak Siam group, led by retired military general Boonlert Kaewprasit, accused Yingluck's government of corruption and being a puppet of former premier Thaksin.

Thaksin remains a deeply divisive figure in Thailand. He was ousted in a 2006 military-backed coup and fled the country in 2008 shortly before being found guilty of abuse of power.

"I'm telling Thaksin that if he wants to return to Thailand he needs to bow before the king and serve his prison sentence," Boonlert told the thousands of protesters at the rally site.

Some held pictures of Thailand's revered King Bhumibol Adulyadej as Boonlert shouted "Yingluck, get out!" to cheers of his supporters.

Thailand has seen a series of political protests since 2006 with pro-Thaksin and anti-Thaksin groups taking turns to challenge various administrations' right to rule.

(Reporting by Aukkarapon Niyomyat; Writing by Amy Sawitta Lefevre; Editing by Nick Macfie)

Source: http://news.yahoo.com/thai-police-fire-tear-gas-clash-hundreds-protesters-052421950.html

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When it comes to gender gap, men play crucial role

WASHINGTON (AP) ? Sorry, fellas, but President Barack Obama's re-election makes it official: Women can overrule men at the ballot box.

For the first time in research dating to 1952, a presidential candidate whom men chose decisively ? Republican Mitt Romney ? lost. More women voted for the other guy.

It's surprising it didn't happen sooner because women have been voting in larger numbers than men for almost three decades, exit polls show.

But men, who make up less than half the U.S. population, always have exercised power greater than their numbers and they aren't about to stop now.

When it comes to elections, males as a group are more influential because they show less party loyalty than women, who skew Democratic.

Despite all the focus on candidates courting Hispanics or the working class, men are the nation's ultimate swing voters; they're why Republican George W. Bush became president and Republican John McCain didn't.

Their move away from Obama this year expanded the voting "gender gap." It wasn't enough to determine the outcome, but came close.

So presidential hopefuls staring into the gender gap in 2016 might want to look beyond the usual controversies over "women's issues" such as abortion or the polling fads such as "Wal-Mart moms." Maybe it's time to pause and consider the fickle male. Maybe it's time to ask, "What do men want?"

In the voting booth, that is.

"I don't think we fully understand it yet," political scientist Christina Wolbrecht of the University of Notre Dame said about why men and women vote differently. But she said plenty of research on elections going back to the 1950s indicates it's not because of issues such as equal pay, birth control coverage in health plans or Romney's awkward reference to "binders full of women."

Paul Kellstedt has some ideas. A Texas A&M associate professor of political science, Kellstedt studies what American men and women want from their government and how that shifts over time.

Like Wolbrecht, he noted that the sexes aren't that different, at least when it comes to the issues.

Studies have found that the opinions that separate liberals and conservatives, even on issues such as abortion, don't divide the sexes much. Men and women are about as likely to fall on either side of those debates, and millions of each happily line up with each political party.

But there has been a consistent thread of disagreement for decades over what role the government should play. It's not a big gap, but it is statistically significant, about 4 percentage points or 5 points in many studies, Kellstedt said. As a group, women tend to like bigger government with more health and welfare programs; men lean toward smaller government that spends less, except on the military.

Sort of the social safety net versus rugged individualism. Or Obama versus Romney.

There are lots of possible reasons the genders see this differently.

Besides women's traditional role as family nurturers, they also live longer than men and so are more likely to rely on Social Security and Medicare. Women are more likely to be poor. They're more likely to be single parents struggling to pay for child care, education and medical bills. Men may feel many social programs are expensive and won't benefit them.

"Women tend to believe that government has a role to play, that it should be a partner in their life," said Democratic pollster Celinda Lake. "Men tend to think it's been a good day when the government hasn't done anything bad to you."

When the nation as a whole drifts to the left or right on the big government-small government debate, the gap between men and women fluctuates. Men and women shift their views in the same direction, Kellstedt said, but men as a group tend to change their minds faster and move their views farther.

"The variation among men's opinions is larger," he said. "The flighty, moody ones are the men, not the women."

He said this difference of opinion on the role of government isn't big enough to entirely explain the larger gender gap in voting, however. "It's a little bit of a puzzle."

Women as a group voted Democratic in the past six presidential races, from 1992 through 2012, according to exit polls. The last time they decisively supported a Republican was Ronald Reagan's re-election in 1984. The Reagan years were when Americans first began taking note of the "gender gap," as women's rights groups emphasized that female support for Reagan in 1980 was narrow while male voters overwhelmingly endorsed him.

Men lean Republican but play the field. In the past six presidential races, men voted Republican three times, Democratic twice (including barely supporting Obama in 2008), and essentially split their vote in the 1996 Bill Clinton-Bob Dole race, exit polls show.

This year Obama campaigned on giving a leg up to those needing education, health care or job training. Romney talked about shrinking government, except for the military, and said overgrown social programs were creating a culture of dependency. Their arguments fit the long-running fissure of the gender gap.

"Women stuck with Obama," said Karen Kaufmann, a University of Maryland associate professor who studies the gender gap. "We didn't see a lot of movement from women. The movement was really men going back to the Republican Party."

Women's support for Obama dropped just 1 percentage point from 2008; they voted for him by 55 percent to 44 percent this time. Men's support for Obama dropped 4 points, flipping them to Romney's side, by a 52-45 margin. Women were 10 percentage points more likely to vote for Obama than men were, according to the survey of voters at the polls conducted for The Associated Press and television networks.

Gallup polling has tracked the gender gap since 1952. Gallup says this year's gender divide was 20 percentage points, the largest ever using its method of calculation.

The gender gap isn't just a white thing. It exists even among minorities that vote overwhelmingly Democratic. Obama got 96 percent of black women's votes, but 87 percent of black men's, compared with 76 percent of Hispanic women and 65 percent of Hispanic men, according to the exit poll.

"We group together this white male vote and sort of put that in the Republican ledger and we don't talk enough about all the various subgroups that fit within men and the multiple issues and currents that determine how they're going to vote," said sociologist Donald Levy, director of the Siena College's research institute.

"The Democrats aren't succeeding with some of these folks," Levy said. The Democratic Party needs to figure out why, he said, the same way "the Republicans are doing some soul-searching about how they can appeal to women."

___

Follow Connie Cass on Twitter: http://www.twitter.com/ConnieCass

Source: http://news.yahoo.com/comes-gender-gap-men-play-crucial-role-215430271--election.html

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Instagram sets single-day record for photo shares

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Oh, Thankgiving. Turkey, mashed potatoes, yam, pumpkin pie, family, friends, football and feasts across the country.

It all adds up to bickering between family members, Friday trips to the gym and ... the biggest day in Instagram history?

According to the popular photo-sharing service's blog, Thursday saw more photo uploads in a single day than ever before.

Instagram users combined to upload over 10 million photos on Thanksgiving including a record rate of 226 photos per second at 12:40 p.m., PST.

It more than doubled the total uploaded using the service, which was officially aquired by Menlo Park-based Facebook in September.

More from?NBCBayArea.com.

Source: http://www.nbcnews.com/technology/technolog/instagram-sets-single-day-record-photo-shares-1C7226148

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"Black Friday" on Thursday starts holiday shopping

NEW YORK (Reuters) - Shoppers took advantage of retailers offering a Thursday night start to the traditional post-Thanksgiving holiday shopping season, lining up at stores to get deals on electronics and other items or to just see what the fuss was about.

"I like watching the insanity, honestly," Jon Stroker, 40, of Littleton, New Hampshire, said after spending about $280 at a Walmart store in town and taking advantage of the retailer's 8 p.m. Thursday start of "Black Friday" deals.

This year, Target Corp joined Wal-Mart Stores Inc and Gap Inc in being open at least part of the day on Thursday and some retailers will be open throughout the day, a trend that began to take hold in 2011.

Wal-Mart's U.S. discount stores, which have been open on Thanksgiving Day since 1988, offered some "Black Friday" deals at 8 p.m. local time and special deals on some electronics at 10 p.m. Target has moved its opening from midnight to 9 p.m. on Thursday and Toys R Us is opening at 8 p.m.

"It's a recognition that retailers need to be more aggressive and want to show their physical stores are important," Moody's senior analyst Charles O'Shea said.

While he didn't see enormous crowds out in Vauxhall, New Jersey, he did see about 15 people lined up already at a Best Buy, which opens at midnight. At a Target in Westbury, only two shoppers were in line for a 9 p.m. opening. Still, for retailers, any crowd could make the effort worth it.

"It's a finite pie; if you can get a bit more by being open, then do it," O'Shea said.

The National Retail Federation, an industry trade group, forecast a 4.1 percent increase in retail sales during the November-December holiday period this year, down from the 5.6 percent increase seen in 2011.

In a separate survey, NRF said 147 million people would shop Friday through Sunday, down from 152 million on Black Friday weekend last year. The survey did not say how many shoppers planned to hit stores on Thursday.

Some retailers, like Best Buy Co Inc are keeping Black Friday on Friday, waiting until midnight to open.

At a Best Buy in Orlando, people had camped out in tents for days waiting for the doors to open.

Gabriel Esteves, 33, a self-employed car audio installer, waited in line with a bag of Cheetos and a Coke while his brother and sister went to their homes for Thanksgiving feasts with their families.

"They told me to take a break and go to the house, but today's the worst day to leave the line. People come and cut in line," said Esteves, who got in line Monday to buy some small electronics and a 50-inch television.

Best Buy, which is trying to stem falling sales under new CEO Hubert Joly, is one of the retailers in the spotlight this season.

At some stores, workers were not so happy to have early openings encroach on their Thanksgiving holiday. A petition asking Target to "save Thanksgiving" had 371,606 supporters as of Thursday afternoon.

Some shoppers agreed.

"I don't think it's good," Carol Lucas, 61, of Sugar Hill, N.H., said while her husband waited for a 32-inch television on sale at Walmart. "You're messing up Thanksgiving."

Still, at a Target on Chicago's Northwest Side, the first person waiting in line Thursday night was someone who worked at the store, Elsa Acevedo, 46, who finished her shift at 4:30 a.m. and lined up at about 2:30 p.m. to buy a 50-inch Westinghouse television.

As for the earlier opening, "I just think it takes people away from their families," she said. But she added that a midnight opening also pulled workers away from Thanksgiving celebrations because they had to prepare the stores to open.

Many shoppers lured into stores by earlier openings on Thursday may just be window-shopping.

More than 50 percent of consumers will do some form of "show-rooming" during the Black Friday weekend, said Kevin Sterneckert, vice president of retail research at Gartner Group.

"They will buy things because they looked at it in the store. They will touch and feel what they are interested in and then buy it online on Monday, either from the same retailer or a different online retailer," Sterneckert said.

At a Kmart on 34th Street in Manhattan earlier on Thursday, Charles Montague, a 55-year-old mover, was browsing the aisles just to kill time.

"I don't holiday shop," he said emphatically. "I buy stuff all year long, not during some man-made holiday."

Some were not waiting for Monday to buy on the Internet. Online Thanksgiving 2012 sales were already up 17.8 percent over Thanksgiving 2011 for the same period, measured through 9 p.m. EST, according to IBM.

THE RESULTS MATTER

The stakes are high for U.S. retailers, which can earn more than a third of their annual sales in the holiday season.

Consumers heading into the holiday shopping season remain worried about high unemployment and possible tax increases and government spending cuts in 2013. Also, lasting effects of Sandy, the storm that lashed the densely populated East Coast in late October, could cut into how much shoppers can spend on the holidays.

According to a Reuters/Ipsos poll, two-thirds of shoppers said they were planning to spend the same amount as last year or were unsure about spending plans, while 21 percent intend to spend less and 11 percent plan to spend more.

"My family decided not to buy (Chanukah) presents this year - only for the kids. It's too expensive," said graduate student Danielle Slade, 29, from Jericho, Long Island.

Still, the Standard & Poor's retail index is up almost 27 percent this year, compared with a 10.6 percent increase for the broader S&P 500.

In New York's Times Square, a mix of locals and tourists lined up at Toys R Us.

"We just want to see what's happening," said a man who arrived Thursday from Paris. "We want to see what Black Friday is." A Santa hat-wearing expeditor quickly whisked him and his companion away before they could give their names.

(Writing by Brad Dorfman. Reporting by Phil Wahba and Martinne Geller in New York; Additional reporting by Jessica Wohl in Chicago, Beth Pinsker Gladstone in New York, Jason McLure in Littleton, New Hampshire, Barbara Liston in Orlando, Florida and Ilaina Jonas in Westbury, New York; Editing by David Gregorio, Dale Hudson, Matt Driskill and Muralikumar Anantharaman)

Source: http://news.yahoo.com/black-friday-thursday-kicks-off-u-holiday-shopping-025954866--finance.html

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