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"Due to the extreme damage suffered during Hurricane Michael, our office will remain closed until further notice," says a notice from Jackson County Supervisor of Elections Sylvia Stephens.
"The November 6 General Election WILL still be held," Stephens emphasized, detailing at least four voting locations which 'sustained serious damage' and will not be open for voting on Election Day.
Other election offices are lending a hand.
"We are working towards successful elections here in Leon County, and we are assisting our neighboring counties in their recovery efforts and contingency plans for the upcoming 2018 General Election," said Leon County Supervisor of Elections Mark Earley.
Home loans come in two basic varieties: fixed-rate and adjustable-rate mortgages. With a fixed rate, the interest paid by the borrower remains at a constant percentage of the loan amount throughout the life of the loan. With an adjustable rate, the interest rate can change, and as a result so can the monthly payment amounts. For buyers with a secure income and a dependable amount of savings, adjustable-rate mortgages offer an attractive option. Buyers spending a large percentage of their income and savings on a home, however, should stay with a safer, fixed-rate mortgage.
One advantage of the adjustable-rate mortgage, or ARM, is the lower interest rate initially offered to the borrower. These "teaser" rates can be significantly lower than rates offered on fixed-rate mortgages and can result in lower payments at the start of the loan. In addition, an adjustment period that begins with the first payment of an ARM keeps the interest rate fixed for a certain period of time--up to five years in many cases.
Most ARMs carry caps that limit the possible rise in the interest rate paid by the borrower. These caps limit the frequency of changes to the interest rate, the amount the interest rate can rise at any adjustment period (usually every year) and the total rise in the interest rate over the life of the loan. Some caps may also limit the total monthly payment to a certain amount, no matter how the underlying interest rate adjusts.
ARMs carry a serious risk, as adjustable-rate mortgages are likely to become more expensive after the adjustment period. Borrowers may end up owing a higher monthly payment that grows to become a significant percentage of their monthly income. If the payment continues to rise, the borrower may find the mortgage unaffordable and become a risk for defaulting on the loan.
The monthly principal and interest payments are constant throughout the life of a fixed-rate loan, though taxes and insurance costs that are usually figured into the payment may change. A borrower with limited resources and income, therefore, can more easily budget for household expenses and other costs, and is at less risk of defaulting if interest-rate indexes rise. It should be noted that the vast majority of adjustable-rate mortgages will not adjust to a lower interest rate because interest rates are already at historical lows.
Borrowers using adjustable-rate mortgages to finance their homes may find their creditworthiness at risk, as future lenders may take the ARM into account as a negative aspect of credit history that places the borrower in a high-risk category. Therefore, for the average person who must borrow to afford a house, an adjustable-rate mortgage is on balance a high-risk proposition, and a fixed-rate mortgage represents greater security that the loan will be paid.
Streissguth, Tom. "Is a Fixed Rate Better Than an Adjustable-Rate Mortgage?" Home Guides | SF Gate, http://homeguides.sfgate.com/fixed-rate-better-adjustable-rate-mortgage-8929.html. Accessed 26 April 2019.
She advises gents to steer clear from bulky knits. Instead, try soft, thin sweaters that are more body conscious. First and foremost, however, men should stay away from holiday novelty sweaters of any kind.
On March 21, the Election Law Society will host its annual Election Law Symposium on the topic of Geography, Identity & Campaign Finance. Do enormous out-of-state donations distort our Democracy? Can states limit out-of-state funding without violating the Constitution? To what degree should courts respect state sovereignty in campaign finance? This year’s Symposium will address these questions and more. Participants include lawyers representing litigants in related cases and scholars who write about the issues surrounding geography, identity, and campaign finance. All are welcome to attend the reception with participants following the sessions. Dinner from Noodles & Company will be served prior to the event for those who RSVP.
Please RSVP at this link.
ALAN SHEARER is backing both Harry Kane and Romelu Lukaku to top his 260 Premier League goals.
Tottenham and Manchester United’s star strikers have started this season in typically red-hot form.
Kane has always struggled in August but has made up for it once again in September.
The England international, 24, scored twice at both Everton and West Ham in victories.
Lukaku, meanwhile, has had to deal with new surroundings once again at Old Trafford.
But Manchster United’s £75m summer signing from Everton has begun where he left off at Goodison Park.
The Belgium hitman, 24, has scored in all but one of United’s six games so far and has 91 in total to Kane’s 82.
The pair have plenty of time, though, to catch up on ex-Blackburn and Newcastle striker Shearer in Manchester and north London respectively.
“The next couple of years are going to be huge for Spurs and Kane,” Shearer wrote in his column for The Sun.
“They need to keep the impetus going that has been created over the last two seasons as they move into a new stadium. Of course they need to keep Kane.
“I know what it is like to play for your local club. Despite failing to add to the title winner’s medal I got at Blackburn, I would still not change a thing.
“Not for the chance to go to Manchester United and fill my trophy cabinet and I had the opportunity before and after my move to St James’ Park.
“There is something special about doing it for YOUR club.
“Having said all that about Kane, I do not rule out Romelu Lukaku having a good go at reaching my total either.
“At the same age as Kane he has nine more Premier League goals but has played 70 games more. At a club like Manchester United he is going to get chances every game to add to that.
“What a start he has had to his career at Old Trafford with six already from as many League games.
Lukaku has six goals so far this season, with Kane netting four times.
The role is for a CNC Lathe Setter/Operator working on multi-axis sliding head lathes. You will be working from engineering drawings to set and operate sliding head turning machines for batch runs mainly for the automotive industry.
The ideal candidate for the role will have the following attributes; You will have exposure in a similar position and must have experience in setting and operating multi-axes sliding head lathes. You will be able to read engineering drawings and will preferably have experience in the machining of batch components for the automotive industry (this is not essential).
* Previous experience in setting and operating a sliding head lathe.
Now I am really confused.
For several weeks I had been infatuated with a neighborhood kitty, only to have my heart shattered when she showed up wearing a flea collar.
I would be a bad person if I continued to woo her with wet food; The family that adopted her has children.
The things is, a few days later the cat showed up in my yard without a collar.
In my fantasy, the cat had somehow shimmied out of the flea collar so we could be together.
I imagined that kind-hearted people throughout the neighborhood offer her food. Yet, among those options she felt most comfortable at MY house, under MY mimosa tree. She had found ME from among the many arms willing to hold her.
But the image of her wearing a flea collar lingered in my mind.
Surely the family down the street had strong feelings when they placed their flea-collar claim.
Why is finding a pet partner so complicated?
My boyfriend sent me a curve ball by saying there were at least two, possibly three nearly-identical cats in the neighborhood.
What? I thought he was surely full of kitty litter.
Thinking back, I recall seeing two cats off in the distance when I first moved in. Could my new friend really be two or maybe three different cats? I’ve spent some time looking into those soulful green eyes. The cat I’ve been hanging out with has orange-tinged tabby stripes and lets me know when I’m scratching her favorite spot.
Am I the one who is fickle? Does that make me the type of girl who gets into heavy petting based on appearances?
In the meantime, I’m going to do some thinking and hope that some of these cats get to work around the yard.
As loyal readers recall, I moved to the house directly next door to the cottage where I lived for 18 years.
The old house had a ridiculous problem with gophers and moles.
I would complain the clan followed me next door. However, I’m fairly confident all of the moles and gophers in this neighborhood are first cousins.
I hope you’re seeing the connection here. The next cat I fall in love with really needs to love catching gophers and moles.
The little walk from my car to my new front door is dusty. I put down an industrial-type piece of gray carpet, lined with plastic.
Businesses use this type of carpet to avoid lawsuits.
The first three times I stumbled I thought I was carrying too much baggage home from work. On closer inspection the carpet had turned lumpy.
Under the carpet I discovered intricate, curved tunnels of one busy mole, fully exposed.
Other parts of the yard are equally hazardous to the ankles.
You see now why I really need a cat. Or maybe two cats in the yard. Then everything will be easy.
To send encouraging remarks or offer garden widsom, contact information includes: @HeatherHacking on Twitter and Facebook.
Do Federal Agencies Belong in Cloud Computing Networks?
Given the current state of the economy and the yawning federal deficit, the efficiency and cost-savings associated with cloud computing are prompting U.S. federal IT agencies to flirt with the cloud platform. Slowly, of course, since it is the government, after all.
Cloud computing has become so pervasive in the enterprise that even federal agencies are moving-slowly, of course-in the direction of on-demand computing. Given the current state of the economy and the yawning federal deficit, the efficiency and cost-savings associated with cloud computing may prompt an even quicker shift to the cloud.
"In many cases, agencies are already using the Internet," said Drew Cohen, a vice president in Booz Allen Hamilton's Defense IT practice who is working closely with federal agencies. "The words and terms are new, but the core tools have been evolving for some time. It's really just a maturing of things that are already going on."
DISA (Defense Information Systems Agency), for instance, awarded contracts in 2006 for on-demand computing services. The idea was for government customers to pay for computing and storage capacity on an as-needed basis instead of having to invest in new hardware and software. Interested customers had to work through the Defense Enterprise Computing Center to develop solutions.
Click here to read about the trend toward private cloud computing.
Taking another step toward the cloud, DISA recently introduced RACE (Rapid Access Computing Environment), in which Department of Defense users go to a Web-based portal and provision their own operating environments based on standard Department of Defense architecture. RACE contractors include Hewlett-Packard, Apptis, Sun Microsystems and Vion.
"DISA likes that model in terms of supporting their customers," Cohen said, though noting that DISA is developing its own cloud for a number of security and privacy reasons. "Building your own cloud is whole different thing. When you build your own cloud, when does it become a cloud?"
Other, more public-facing agencies are embracing the now traditional cloud platforms offered by Amazon.com, Google and Microsoft. In February, Google announced it was working with NSF (National Science Foundation) and IBM to allow the academic research community to conduct experiments and test new theories and ideas using a large-scale, massively distributed computing cluster.
Jeannette Wing, the NSF assistant director for the Computer and Information Science and Engineering Directorate, said in an open letter to the academic computing research community that the relationship would give government-funded researchers access to resources that would be unavailable to them otherwise.
According to Wing, NSF hopes the relationship will provide a blueprint for future collaborations between the academic community and private enterprise. "We welcome any comparable offers from industry that offer the same potential for transformative research outcomes," she said.
A leading credit reference agency has warned that the nation's elderly are becoming increasingly targeted by credit fraudsters.
Last week it was revealed that cash machine fraud tripled in the first four months of 2013, as 'shoulder surfing' thieves steal bank cards and pin numbers while people use ATMs.
And credit information experts Equifax has warned that con artists and thieves are focusing their efforts on vulnerable old people to take advantage of the fact that many are less active in their credit usage, and as such won't always notice immediately if money is gone.
On the rise: Shoulder surfers are targeting cashpoint users, noting down their pin number before stealing their bank cards.
Equifax's Neil Monroe said: 'There have been several stories grabbing headlines in the last few days that have highlighted frauds that appear to be targeting the elderly.
'Thousands of elderly people have been victims of a fraud involving a con artist pretending to be from Microsoft to obtain personal information.
'Older people also seem to be the target of cash machine fraudsters who are ‘shoulder-surfing’ to find out PINs and then stealing their cards.
Financial Fraud Action UK released figures last week that shows there were 7,525 reported cases of cash machine fraud in the first third of 2013, compared to just 2,553 for the same period last year.
In some of these cases, skimmers and other kinds of devices are used to capture card details in ATMs, but there has been a growing trend of shoulder surfing, which sees organised thieves crowding customers to read their pin numbers, before distracting them to steal their cards.
Equifax has also highlighted the issue of online fraud among the elderly, as well as those less tech-savvy who are duped by official-looking correspondence.
Mr Munroe said: 'When giving out personal details it is always vital to know exactly who you are speaking to and that they're from a legitimate organisation with whom you have dealings.
Those who think they may have been a victim of fraud should consider checking their credit report, as it could be that any transactions made by the criminals have an impact on your credit score, hindering your ability to be accepted for loans, credit cards or mortgages in the future.
Bill Murray and Wes Anderson at the set of 'The Life Aquatic With Steve Zissou '- 2004.
Fans of Wes Anderson's cult movie The Life Aquatic with Steve Zissou have campaigned for years at Adidas to convince them to release a version of the customised Roms that Bill Murray wears in the film.
Over the years, several petitions were filed, but back in 2005 Adidas played down the possibility of a special release.
Well, it seems that the shoemaker has finally heard your voices.
During the We Love Green music festival in Paris, Adidas released 100 limited-edition, 1:1 pairs of the original trainer featured in the film, with its submarine-yellow shoelaces and iconic shades of blue on the three strip branding.
The release was perfectly timed, it seems, as the festival featured Seu Jorge, the Brazilian musician whose smooth David Bowie music covers helped The Life Aquatic reach cult status.
The Adidas Rom trainers were first released in 1959 as a training shoe but became incredibly popular in the 1980s.
It isn't clear whether Adidas will plan a wider release for the Rom Zissou.
NORAD is celebrating its 60th anniversary in 2018. The command center gave a rare tour into "America's Fortress" to the media. Here's a look at what it takes to withstand a nuclear blast, and control the skies over North America.
During the Cold War, one of two blast doors was always shut.
During 9/11 was the last time the doors were shut for threat reasons.
Hydraulics can close the door in 45 seconds. It can also be closed manually in a minute-and-a-half.
The world's only binational command center, between the U.S. and Canada.
Springs would keep the shockwaves from a blast from destroying the building.
Navy-grade steel encases 15 buildings underground.
Cheyenne Mountain is solid granite; NORAD's 2,000 feet deep.
Steve Rose, 721st Mission Support Group Deputy Director, the media's tour guide of CMAFS.
The NORAD and USNORTHCOM command center.