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NEW YORK?? At least 175 people have been arrested during clashes between police and Occupy Wall Street demonstrators in New York City, part of a day of mass gatherings in response to efforts to break up Occupy Wall Street camps nationwide.?
Thousands of protesters took to the streets around the U.S., including Los Angeles, Dallas, Portland, Ore., to mark two months since the movement's birth. Dozens of arrests were reported, including 23 in Los Angeles.?
One of the largest demonstrations was in New York, where at least 1,000 demonstrators tried to clog up streets around the stock exchange.
Some protesters were bloodied during arrests. Police said an officer suffered a cut on his left hand after a demonstrator threw a piece of glass. He may need stitches.
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Five other officers were treated after being hit in the face with stinging liquid.
Occupy LA takes to the streets for 2-month anniversary of movementIn New York City, frustrations seemed to spill over in Zuccotti Park, the movement's headquarters since Sept. 17, as hundreds of people shoved back the metal police barricades that have long surrounded the area. A live television shot from above showed waves of police and protesters briefly pushing back and forth before the barricades appeared to be settled at the edge of the park once more.
"All day, all week, shut down Wall Street!" the crowd chanted.
By 10 a.m., police spokesman Paul Browne said, about 50 people had been arrested at various locations in the financial district, mainly for disorderly conduct and resisting arrest. That number increased to 75 by midday, including the arrest of a demonstrator who allegedly threw a liquid, possibly vinegar, into the face of an officer, according to NBC New York.
Some of the police hit protesters as they resisted arrest. Most of the marchers retreated. At least four cops were injured in the confrontations, NBC reported.
Hundreds of protesters thronged intersections around the financial district, an area of narrow, crooked streets running between stately sandstone buildings housing banks, brokerage houses and the New York Stock Exchange.
The protesters began marching just before 8 a.m., according to NBC New York, but were initially blocked by police once they reached the intersection of Nassau and Pine streets. A law-enforcement source estimated there were about 700 protesters by the time the group met police.
Story: To demand or not to demand? That is the 'Occupy' question"You do not have a parade permit! You are blocking the street!" a police officer told protesters through a bullhorn.
By early afternoon, police officers stormed into Zucotti Park, clearing demonstrators out of the park's center, according to The New York Times. Protesters said one person was beaten in the confrontation.
The congestion brought taxis and delivery trucks to a halt. Police were allowing Wall Street workers through the barricades, but only after checking their IDs.
The protest marked two months since the Occupy Wall Street Movement sprang to life on Sept. 17 with a failed attempt to pitch a protest camp in front of the New York Stock Exchange. After police kept them out of Wall Street, the protesters pitched a camp in nearby Zuccotti Park, across from the World Trade Center site.
On Tuesday police raided Zuccotti Park and cleared out dozens of tents, tarps and sleeping bags.
Occupy protesters march on NYC, nationwide"This is a critical moment for the movement given what happened the other night," Paul Knick, 44, a software engineer from Montclair, N.J., said as he marched through the financial district with other protesters on Thursday. "It seems like there's a concerted effort to stop the movement and I'm here to make sure that doesn't happen."
Similar protests were planned around the county.
The New York group announced it would rally near the New York Stock Exchange, then fan out across Manhattan and head to subways, before gathering downtown and marching over the Brooklyn Bridge.
A past attempt to march across the bridge drew the first significant international attention to the Occupy movement when more than 700 people were arrested.
The police department said it would have scores of officers ready to handle protesters in the subways.
Video: Police, OWS protesters clash in NYC (on this page)"The protesters are calling for a massive event aimed at disrupting major parts of the city," Deputy Mayor Howard Wolfson said. "We will be prepared for that."
Passer-by Gene Williams, a 57-year-old bond trader, joked that he was "one of the bad guys" but that he empathized with the demonstrators.
"They have a point in a lot of ways," he said. "The fact of the matter is, there is a schism between the rich and the poor and it's getting wider."
New York City officials said they had not spoken to demonstrators but were aware of the plans.
"The protesters are calling for a massive event aimed at disrupting major parts of the city," Deputy Mayor Howard Wolfson said. "We will be prepared for that."
New York taxi driver Mike Tupea, a Romanian immigrant, said his car was stuck amid the protesters for 40 minutes.
"I have to make a living. I pay $100 for 12 hours for this cab. I am losing money every minute," he said. "I have all my sympathies for this movement but let me do my living, let working people make a living."
Some of the latest developments in other Occupy protests:
Washington state
An 84-year-old woman has become a face of the national Occupy Wall Street movement after she was hit with pepper spray during a Seattle march.
A photo of Dorli Rainey with the chemical irritant dripping from her chin quickly went viral, becoming one of the most striking images from the protests that have taken place in cities across the globe.
Rainey has been active in Seattle's liberal politics for decades and once ran for mayor. She said Wednesday that she showed up at the downtown protest the previous day to show support.
Video: 84-year-old pepper sprayed at ?Occupy? Seattle (on this page)Police said demonstrators were blocking a downtown intersection.
Rainey was not among the six people arrested.
Mayor Mike McGinn is apologizing to some protesters who were pepper sprayed during a march and said he has spoken to Rainey.
Nevada
In a city that celebrates behaving badly, Occupy Las Vegas protesters are touting civil obedience and government cooperation as anti-Wall Street efforts elsewhere have turned to violence and police confrontations.
Las Vegas demonstrators have sought approval from government leaders and police before protesting or setting up a camp site. They called off a protest during President Barack Obama's visit to Las Vegas last month because police asked them to do so. And they have created a system of protest rules that ban, among other things, law-breaking and hate signs.
A night of re-Occupation at Zuccotti ParkThe good behavior in Las Vegas and other Occupy efforts across Nevada is even more noteworthy because Nevadans may have the most cause to rage against the machine. The state tops the nation in foreclosures and unemployment and entire neighborhoods have been overtaken by vacant homes and storefronts.
But while protesters in other cities riot and rage, the Vegas group is hosting a series of free foreclosure mediation workshops for homeowners who are underwater on their mortgages.
Organizers insist their anti-greed message has a better chance of spreading if they aren't labeled violent anarchists.
Pennsylvania
Philadelphia officials have told protesters camping out next to City Hall to leave because of the "imminent" start of a long-planned renovation project.
Mayor Michael Nutter's office said Wednesday the city has posted an official notice saying the $50 million renovation work at Dilworth Plaza is about to start following selection of a general contractor. Officials issued no deadline and said they would work with the protesters on finding another location for them.
PhotoBlog: Occupy Wall Street"This project's commencement is imminent," the statement said. "Accordingly, you should take this opportunity to vacate Dilworth Plaza and remove all of your personal belongings immediately."
The protesters have had hundreds of tents camped in the plaza for more than a month. The group has resisted the city's call to move to another plaza across the street to clear the way for the renovation.
South Carolina
Officers started arresting Occupy Columbia protesters Wednesday after Gov. Nikki Haley ordered them to leave the Statehouse grounds. The governor said the people who had been sleeping on the complex for more than a month had cost the state more than $17,000 in property damage and overtime for police.
About 20 people challenge the governor's order and they were arrested in the pouring rain without incident.
The governor said she tired of seeing mattresses, sleeping bags, storage bins and toilet paper on the grounds that house her offices, the state's legislative chambers, office buildings and Court of Appeals.
Massachusetts
A Boston judge has ordered the city not to remove protesters or their tents from a downtown encampment without court approval, except in an emergency such as fire, a medical issue or an outbreak of violence.
A temporary restraining order was issued after a hearing Wednesday on the protesters' lawsuit. Fuller arguments will be heard Dec. 1, and the judge orders the sides to hold a mediation session before then.
A lawyer for the demonstrators says they are concerned they will be forced out in the middle of the night as Occupy protesters were in New York City this week.
California
San Francisco police began arresting students and anti-Wall Street protesters who stormed into a downtown Bank of America, sat down and began chanting on Wednesday.
More than 100 demonstrators stormed the bank, chanting, "Money for schools and education, not for banks and corporations."
Riot-clad officers began putting plastic cuffs on the demonstrators, who refused to leave the bank.
The bank protest occurred after ReFund California, a coalition of student groups and university employee unions, bused in protesters from UC Berkeley, the University of California, Merced and other schools to join San Francisco's Occupy demonstrators.
Earlier, before dawn, police cleared away a protest camp from a plaza at the University of California, Berkeley where 5,000 people gathered Tuesday night in an economic protest.
At 3:30 a.m. local time, officers began ordering occupants to remove the tents, sculptures, pianos, sofas and other belongings at the site where the Free Speech movement began in the 1960s.
Demonstrators offered no resistance and two people were arrested, in contrast to November 9, when police used batons to fight through a human chain to clear a similar camp from the plaza, said police Lt. Alex Yao.
"The majority of the demonstrators left voluntarily," he said. "Two demonstrators expressed interest in being arrested. They were arrested peacefully and without resistance."
Occupy San Diego protesters also were rousted from a downtown plaza by police.
The San Diego Union-Tribune said nine people were arrested and a 10th was cited during the confrontation early Wednesday.
Officials say most arrests were for resisting or obstructing police.
Officers used bullhorns to roust sleepers at the Civic Center Plaza. A police statement says tables, sleeping bags and other items were removed so the area could be cleaned up.
It is the latest confrontation in the city where 74 people were cited or jailed since the demonstrations began last month.
Oregon
Protesters and police faced off on the Steel Bridge in Portland Thursday morning in what was expected to be a day-long series of Occupy Portland demonstrations,
according to KGW.com.
Police arrived early to close the bridge ahead of the rally, KGW.com reported.
Indiana
Occupy Indy protesters have been given 24-hours to clear out their camp on the Statehouse lawn.
In a letter delivered Wednesday, the Department of Administration ordered the handful of remaining protesters to clear out. The state gave protesters until Thursday afternoon to clear out and said protesters who try to stop them will be arrested.
Protesters said the order was not about their safety but about stifling their demonstration.
London, England
Protesters camped outside St. Paul's Cathedral in London said Thursday they are staying put as a deadline passed for them to take down their tents or face legal action.
London officials attached eviction notices to the tents Wednesday, demanding they be removed from the churchyard by 1 p.m. EST Thursday.
The Occupy London group said no one had left by the deadline, and marked its passing with a rally and a minute of silence outside the cathedral.
"The general feeling is excitement at the moment," said protester Nathan Cravens, 27. "It's brought us together."
? 2011 msnbc.com
Source: http://www.msnbc.msn.com/id/45340184/ns/us_news-life/
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ROME ? Italy's new premier, Mario Monti, vowed Thursday to spur economic growth while also trying to be fair in imposing reforms urgently needed to save his country ? and the euro ? from financial disaster.
He said his new government's policies would fight tax evasion, lower costs for companies so they can hire more and help women and young people find jobs.
"The end of the euro would cause the disintegration of the united market," the economist and former European Union competition commissioner told the Senate ahead of a confidence vote on his one-day-old government. "The future of the euro also depends on what Italy will do in the next week."
Monti, laying out his priorities, said he will concentrate on reining in Italy's spending with "rigor," spur growth and work for "fairness" in applying reforms.
He said he would quickly work on lowering Italy's staggering public debt, which now stands at 120 percent of GDP.
"But we won't be credible if we don't start to grow," Monti said.
He indicated Italy would be paying new taxes. Italy's lack of a property tax on primary residences is "a peculiarity, if not an anomaly" in Europe, Monti said. Also under scrutiny would be the possibility of putting a new tax on wealth, he said.
Another priority would be combatting Italy's chronic and widespread tax evasion. "Not only would that bring in more revenues, which would hurt," Monti said. But that strategy would also help further is goal of social fairness. Hiding or underreporting income by the self-employed is rampant, and workers with paychecks have long complained they bear an unfair share of the nation's high taxes.
Monti said the government would consider reforms to lower Italy's "elevated tax." Employers say high-payroll taxes discourage them from hiring.
"Structural reform is our duty, but we must avoid the anguish it will cause" in society, he said.
He also said he would combat black market labor. To encourage more women to join the workforce -- Italy has one of Europe's lowest rates -- he said he would consider lower tax rates for women.
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Does Investing in Wind Power Make Sense?
by David Fessler, Investment U Senior Analyst
Tuesday, November 15, 2011
The answer is a qualified, ?Yes.? You just have to pick the right company. U.S. investors typically aren?t familiar with the ?Who?s Who? of wind turbine manufacturers. That?s not surprising. Compared to other places around the world, wind power isn?t exactly taking off here.
According to U.S. Secretary of the Interior Ken Salazar, in a speech at the American Wind Energy Association?s Offshore Wind Conference, just the offshore wind potential represents four times the present electrical demand of the country. And that?s only for turbines located off the eastern coast of the United States.
Without juicy government incentives and ready access to capital, wind growth is like a turtle heading out of the starting gates at the Kentucky Derby.
Installed wind power capacity in the United States as of June 1011 amounted to about 42.4 gigawatts, a miniscule percentage of our total load. You can check out the map below from the U.S. Department of Energy to see how much, if any, your state gets from harnessing the power of the wind.

As a result, few domestic manufacturers are located here. With a few exceptions, foreign wind turbine companies are reluctant to invest huge amounts of capital to build factories here.
General Electric Company (NYSE: GE) is the most notable U.S. wind turbine manufacturer. Globally speaking, they?re not a very big player.
On the opposite end of the spectrum, China has close to 100 manufacturers (not a typo) for wind turbines. Like everything made in China, there are a few good Chinese wind turbine manufacturers. There?s also a boatload I wouldn?t touch with a 10-foot barge pole. But wind power in China is a topic all in itself.
Europe is in the Wind Power Driver?s Seat
Large, commercial wind power really got its start in Europe. According to the European Wind Energy Association?s (EWEA) latest figures (February 2011), there are over 12,000 wind turbines installed there, mostly in European Union countries.
They?re cranking out a combined 84 GW, or roughly twice what?s installed in America. 2010 saw an additional 9.3 GW of wind power added at a cost of ?12.7 billion. Again, most of that was in countries belonging to the European Union.
Why aren?t we seeing that kind of growth here? America just can?t seem to get its act together with regards to a national energy policy that might foster more rapid deployment of wind power.
So can wind companies make money without Americans in the wind energy mix? Let?s take a look a two large European wind turbine companies. One?s doing well, and one isn?t.
Let?s start with Danish wind turbine maker, Vestas Wind Systems A/S (OTC: VWDRY.PK).
With a market capitalization of $3 billion, Vestas is the largest maker of wind turbines in the world. It?s installed over 44,000 turbines in 65 countries around the globe.
As of the end of last year, Vestas shipped 2,025 turbines with a total generating capacity of 4,057 megawatts (MW).
But the company?s stock performance has been less than stellar over the same period, off about 54 percent since the beginning of the year.
The company announced that it had recorded revenue of ?3,798 million for the first nine months of 2011, or about the same as last year. But instead of the ?136-million profit recorded in 2010, it posted a ?84-million loss.
It attributed its poor performance to weak economic growth in OECD countries, and it plans to trim its fixed costs by ?150 million in 2012. The company expects to book about 4.5-GW worth of orders for 2012.
But a little further south, Gamesa Corporacion Technologica SA (OTC: GCTAF.PK), a Spanish maker of wind turbines, is a different story.
With a market cap half the size of Vestas, Gamesa is doing well. It expects about 3.5-GW worth of orders next year. It?s already booked over 1-GW of that figure. About 95 percent of its business comes from outside of Spain, and it recently saw a surge in business from Latin America and India.
For the first nine months of 2011, the company posted a 13-percent increase in sales and its net income rose 20 percent to ?30 million. Its shares are also off year to date about the same as Vestas.
If you want wind in your investment sails, Gamesa?s growth prospects, leaner operating expenses and ability to make a profit make it a better bet.
Good investing,
David Fessler
Any investment contains risk. Please see our disclaimerSource: http://www.investmentu.com/2011/November/wind-power-investing.html
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WASHINGTON ? The former CEO and chairman of CSK Auto Corp. will give back about $2.8 million in bonuses and profits from sales of company stock he received while federal regulators say the auto parts supplier was committing accounting fraud in 2002 to 2004.
The Securities and Exchange Commission announced a settlement Tuesday with former CEO Maynard Jenkins. He agreed to return $2,796,467 to O'Reilly Automotive Inc., which acquired Phoenix-based CSK Auto in 2008. Jenkins neither admitted nor denied wrongdoing.
Jenkins wasn't personally charged in connection with the alleged accounting violations. But a 2002 anti-fraud law requires senior executives to repay bonuses, other incentive pay and stock profits they received during a period in which their company violated financial reporting rules. The SEC is empowered to recoup the money for the company in what is called a "clawback."
The SEC had sued Jenkins in July 2009, seeking $4.1 million. It was the agency's first "clawback" case against a person who wasn't accused of otherwise violating the securities laws.
"CEOs should know that they can be deprived of bonuses or stock profits they received while accounting fraud was occurring on their watch," SEC Enforcement Director Robert Khuzami said in a statement.
Jenkins's attorney, John Spiegel, noted that his client was asked to stay on as CEO of the company after the problems were discovered. "He welcomes the opportunity to put this matter behind him with this settlement," Spiegel said in a statement.
In September, CSK Auto agreed to pay $20.9 million to settle civil charges by the Justice Department that it inflated earnings by $52 million from 2002 through 2004 by claiming as income money to be rebated by vendors that was never collected.
Three former CSK Auto executives have pleaded guilty to criminal charges including conspiracy to commit securities fraud and obstruction of justice. They are former Chief Financial Officer Don W. Watson, former Controller Edward W. O'Brien III and former director of credits and receivables Gary M. Opper.
CSK operated Kragen, Checker Auto, and other auto parts and accessories stores. It was a publicly traded company until it was bought by O'Reilly Automotive, based in Springfield, Mo., in July 2008, after the accounting problems were discovered and reported to the government.
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CARACAS, Venezuela ? Once a month, Venezuela's best-known judge is handcuffed, led out of her apartment and escorted by troops to a courthouse to stand trial.
But Maria Lourdes Afiuni refuses to enter the courtroom. It is her way of saying she won't get a fair hearing.
The combative and self-assured judge is being tried on corruption charges that have made her a cause celebre to government opponents who accuse President Hugo Chavez of wielding undue influence over Venezuela's judicial system.
Afiuni infuriated Chavez when she freed a banker from the prison where he was awaiting trial on charges of flouting the country's currency exchange controls. A day after her arrest on Dec. 10, 2009, Chavez said on national TV that he had discussed Afiuni's action with the president of the Supreme Court. "This judge," he fumed, "should get the maximum sentence, and whoever does this ? 30 years in prison!"
To Chavez's critics, it was something of a smoking gun for their argument that he is using the judiciary to harass his opponents. Chavez insists everything he has done during his nearly 13 years as president is legal and that judges and prosecutors must remain fully independent.
Now under house arrest and confined to her apartment, 48-year-old Afiuni is under a gag order so she airs her protests daily on Twitter to her more than 82,000 followers. She calls herself a "judge kidnapped by order of Chavez."
In her apartment, she listens in silence, at times smiling, at times frowning in consternation, as her brother, Nelson Afiuni, makes the case for setting her free. Explaining her refusal to enter the courtroom, he says: "She doesn't want to submit to a conviction that they've already written."
Venezuela isn't the only Latin American country whose leaders are accused of interfering in the legal system, and Venezuela's system was vulnerable to powerful interests long before Chavez took office.
But during the past decade, human rights activists say, its courts have become less independent, with prosecutors and judges increasingly acting in concert with the government to target opponents or others who, knowingly or not, cross those in power.
Chavez's rival in the 2006 presidential race, Manuel Rosales, fled into exile, saying prosecutors were falsely accusing him of corruption. Guillermo Zuloaga, the majority owner of anti-Chavez television channel Globovision, fled to the U.S. last year to escape criminal charges that he called politically motivated.
Chavez vehemently denies the charges of interference, while human rights activists say Afiuni's case stands out because she is being prosecuted for a routine ruling and because Chavez intervened so openly.
Amnesty International is demanding her release. So is American activist Noam Chomsky, whom Chavez admires.
Afiuni was arrested minutes after she released banker Eligio Cedeno, who had been in jail awaiting trial on charges of violating currency controls. He was accused of helping a company obtain $27 million in dollars through the government for computer equipment that never reached Venezuela.
Afiuni's brother noted that Venezuelans in custody should not by law be held longer than two years without trial, and Cedeno had been in jail for nearly three years. Also, he said, the judge felt the evidence was too thin to justify continued imprisonment, and the prosecutors had for the second time failed to show up for hearings.
Afiuni's lawyer, Jose Amalio Graterol, said the judge made a sound, lawful decision in releasing Cedeno on condition he stay in Venezuela and regularly report to a court while awaiting trial. Graterol said the judge also took into account an opinion by the U.N. Working Group on Arbitrary Detention that Cedeno's detention was arbitrary.
Chavez called it corruption. "I demand firmness against that judge," he said. "A judge who frees a criminal is much, much, much more serious than the criminal himself."
He didn't mention any particular grudge against Cedeno, though the wealthy banker has since said he gave money to the opposition and was jailed for political reasons.
Cedeno fled to the U.S. within days, and was eventually granted asylum. Afiuni is charged with corruption, abuse of authority and aiding an inmate's escape. Her lawyer says the charges are baseless.
Chavez's critics say the judiciary is increasingly stacked in the government's favor. Blanca Rosa Marmol de Leon, a Supreme Court magistrate and its only voice strongly critical of the justice system, expresses concern that the overwhelming majority of the nation's judges have been replaced during Chavez's presidency. Their replacements "are afraid" to go against the authorities because of what has become known as "the Afiuni effect," she says.
In a telephone interview, Marmol de Leon blamed Chavez for the judge's arrest, saying: "Judge Afiuni is detained due to a decision by the president." Afiuni's lawyer, Graterol, wants the judge in her case disqualified, saying that he has shown an open pro-Chavez bias.
Attorney General Luisa Ortega Diaz has said there were irregularities in Cedeno's release and that Afiuni went against a Supreme Court decision granting prosecutors additional time in the case. Prosecutors did not respond to requests for an interview.
After her arrest, Afiuni spent nearly 14 months in jail. There, her brother says, she endured threats by other women inmates and was narrowly saved by National Guard troops just as prisoners were about to douse her cell with gasoline to set it ablaze.
In February, she was granted house arrest due to health problems. Supporters welcomed her home, painting "Judge Afiuni Honesty and Courage" on a wall outside her apartment complex.
She lives with her 19-year-old daughter and parents, confined indoors by soldiers seated outside her front door round the clock.
____
Ian James on Twitter: http://twitter.com/ianjamesap
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Release Date: November 14, 2011
Release Number: 4019-097
??More Information on North Carolina?Hurricane Irene
RALEIGH, N.C. -- Hurricane Irene survivors with flood insurance claims in North Carolina have until Nov. 23 to file Proof of Loss with the insurance company that issued them a National Flood Insurance Program (NFIP) Standard Flood Insurance Policy.
Proof of Loss, which must be signed and sworn to, is the official claim for flood damages under an NFIP? policy. After a flood, property owners contact their insurance agent, report the damaged property and meet with an adjuster. Within 60 days of the event that caused the damage the Proof of Loss must be received by the insurance company.? The Proof of Loss must include a detailed estimate and other supporting documentation to replace or repair the flood-damaged property. The deadline for submitting Proof of Loss for North Carolina flood insurance claims from Irene was extended an additional 30 days.
The adjuster may, as a courtesy, provide a suggested Proof of Loss but the property owner is responsible for making sure that it is complete, accurate and filed in a timely manner. Flood insurance is a separate policy from homeowners insurance and requires an inspection from a different adjuster.
Survivors with questions or concerns about flood insurance claims may call a toll-free hotline for
help: 855-336-2002.
The deadline for filing NFIP Proof of Loss is Nov. 24, but that date is Thanksgiving and most insurance offices will be closed. The National Flood Insurance Program advises policy holders to ensure that their signed and sworn Proof of Loss, with supporting documentation, is received in the insurance carrier?s office by Nov. 23, to avoid missing the deadline.? Submitting the Proof of Loss to an insurance agent instead of the insurance company, or putting it in the mail on the deadline, will not meet the Proof of Loss requirement.
At the time Hurricane Irene struck Aug. 27, there were 113,784 NFIP policies in effect in the
38 counties designated in the disaster declaration. As of Nov. 1, the National Flood Insurance Program reported 9,000 claims had been filed. The program is administered by the Federal Emergency Management Agency, working with insurance companies.
Policy holders are given a copy of the Flood Insurance Claims Handbook (FEMA Publication F-687). The handbook explains the process of filing and appealing claims. It is available online at: www.floodsmart.gov/toolkits/flood/downloads/NFIP-FloodInsuranceClaimsHandbook.pdf.
After the Proof of Loss? is submitted, if the property owner notices additional damage the owner may file a supplemental Proof of Loss, documenting the newly discovered damage, as long as it is within the 90-day time period allowed by the extension granted by FEMA.? If new damages are discovered and a claim for additional damages is presented after the 90 days, the insured must request a waiver of the time limitation from FEMA in order to submit the claim.
If a property owner disagrees with the insurance company?s final determination of the claim, the owner may appeal. The owner should:
Those who have sustained disaster-related damage should register with FEMA. The deadline for registration is Nov. 30. Here are three ways to register with FEMA:
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: Monday, 14-Nov-2011 13:37:21
Source: http://www.fema.gov/news/newsrelease.fema?id=59483
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AYUTTHAYA, Thailand ? Water fowl, monitor lizards and stray dogs have replaced the throngs of tourists at one of Thailand's greatest historical sites. Record flooding has turned Ayutthaya's ancient temples into islands, and a giant statue of the reclining Buddha appears to float miraculously on the lapping water.
Experts fear that at least half of the more than 200 waterlogged monasteries, fortresses and other monuments in the one-time royal capital have been damaged.
"Imagine a thousand tons of brick and stone resting on soft foundations, with no modern-style pilings. We are very worried," said Chaiyanand Busayarat, director of the Ayutthaya Historic Park.
And as floodwaters recede, some experts are proposing a radical change to prevent similar disasters in the future: Turn back the clock about four centuries to emulate the city's urban planners and engineers of that time.
"We can't prevent flooding so we have to learn to live with water again, like those who created Ayutthaya. Let's take out the old city maps," said Anek Sihamat, deputy director-general of the Thai government's Fine Arts Department.
He recommended digging up old canals that have been paved over for roads and curbing the urban sprawl and industrial parks that block the natural runoff of water.
Capital of a powerful state for 417 years, seat of 33 kings, Ayutthaya has been described as one of the greatest cities on water ever, with a canal network that measured more than 85 miles (140 kilometers). Built on the flood plain of central Thailand at the confluence of three rivers, it was inundated annually, but its citizens lived in stilt-raised houses and used boats for transport.
Water also defended Ayutthaya, which once held as many as 1 million residents, until a brutal sacking by the Burmese in 1767 forced relocation of the capital to Bangkok, 50 miles (80 kilometers) to the south ? where the same floodwaters that inundated Ayutthaya are now nearing the inner city.
The surge of water from the northern highlands, which began in late July and has killed more than 520 people, is the worst since the 1940s, although Ayutthaya experiences flooding almost every monsoon season.
In coming weeks, experts will assess damage and determine what will be needed to revive and protect the city, which was added to the UNESCO World Heritage list in 1991.
Advisers from Venice and the Netherlands, two places that have grappled with the challenges of watery environments, are prepared to come, while several countries, including Germany and Japan, have provided or promised funds. Anek, the Fine Arts official, estimated that some $20 million will be needed.
"Clearly what we hope for from this experience will be a more solid, more thorough flood mitigation plan," said Tim Curtis, head of the culture unit at UNESCO's regional office in Bangkok.
He said that Amsterdam's 19th-century water-based defense line ? another World Heritage site ? and Venice may be used as models.
Witthaya Pewpong, the Ayutthaya provincial governor, said a dam has been proposed to shield the historic area while flooding would be eased by setting aside a large, construction-free area of the nearby countryside to absorb excess water.
Nevertheless, authorities "know that they will have to learn to live with water because it will always be there," said UNESCO cultural expert Montira Horayangura Unakul. As such, urban planning should be consistent with Ayutthaya's design as a city of water, she said.
To date, Ayutthaya has not scored well on the urban management front. The city of 82,000 people is mushrooming helter-skelter and has bid to host World Expo 2020. Four years ago, amid concern in Thailand that UNESCO might take the city off its list, one Bangkok newspaper wrote that the city was destroyed twice, "first by invading Burmese, and now by greedy and insensitive Thais."
Adding to its watery woes, said Curtis, are problems common to heritage sites: the looting of artifacts, inadequate waste disposal, corrosive vehicle fumes, ugly and inappropriate new construction and mass tourism.
There's also a running battle between heritage and municipal authorities, often allied with business interests.
The Fine Arts Department controls development in the core historic area of some 1.2 square miles (3 square kilometers), where no structures more than 26 feet (8 meters) are permitted. However, it exercises little power in outlying zones, which include numerous important monuments and where modern buildings have sprouted next to graceful relics of the past.
Most immediately, however, heritage authorities are focused on the floods.
With water up to 10 feet (3 meters) high flooding the area for weeks, there is concern that the foundations of larger structures may have been undermined, and bricks, plasterwork and murals damaged. Visitor facilities and once grassy areas emerging as a sea of mud will need to be restored at what is one of the country's top tourist destinations.
Also worrisome is salt residue that seeps up with the groundwater, causing damage to monuments.
Park director Chaiyanand said the stupas, or Buddhist reliquary, in Ayutthaya were built with an outer core of brick. The hollow portions inside were filled with sand. When the floods came, the water was absorbed upward into this inner chamber of sand, which became heavier. He fears the weight could cause cracks of the outer brick shell.
Water that is hard to detect and remove may also remain within walls after the floodwaters recede. Chaiyanand said he was particularly concerned about the bricks that were the key building blocks of old Ayutthaya.
"They're like crackers," he said, noting the mossy, water-stained bricks at the base of a stupa at the 15th-century Phra Srisanphet monastery. "When soaked they become easy to break."
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