Wednesday, 11/7 – 3pm
The Town of Bedford continues its State of Emergency. As the latest storm begins, please limit road travel to emergencies only. Dry ice and bottled water are available in front of the Town House.Day warming shelters and charging stations continue to be available at the libraries and fire houses in Bedford, Bedford Hills and Katonah.
Readers Digest (Chappaqua Crossings) is open as an overnight Emergency Shelter with hot meals . Contact Vince Russell, Director, 845-825-7395.
NYSEG and ConEdison continue Sandy recovery efforts. NYSEG has 58+ crews dedicated to the Town of Bedford for restoration and expects full restoration by 11pm, Wednesday, 11/7.
If you experience a power outage during this current storm, report the outage to your utility company: NYSEG 800-572-1131 / Con Edison 800-752-6633.
If you have a generator and are using it quite a bit, you will need to change the oil. Generators have an oil change schedule usually of every 100 hours of use to prevent engine damage or failure. Please visitwww.bedfordny.gov click on “What’s New” for information regarding the prevention of carbon monoxide poisoning
Daily Archives: November 7, 2012
U.S. Warned by Fitch on Fiscal Cliff; Moody’s Stands Pat on View | Waccabuc Realtor
Fitch Ratings warned that the U.S. may be downgraded next year unless lawmakers avoid the so-called fiscal cliff and raise the debt ceiling in a timely manner, while Moody’s Investors Service said it will wait to see the economic impact should the nation experience a fiscal shock.
Congress and President Barack Obama must confront more than $600 billion in tax increases and spending cuts set to take effect in 2013 or risk the economy tipping back into recession. Standard & Poor’s stripped the U.S. of its AAA credit rating on Aug. 5, 2011, after months of political wrangling that pushed the nation to the deadline an agreement to lift the debt ceiling.
Nov. 7 (Bloomberg) — Former Federal Reserve Chairman Alan Greenspan, Alice Rivlin, a senior fellow at the Brookings Institution, Mohamed El-Erian, chief executive officer of Pacific Investment Management Co., and Peter Orszag, former director of the Office of Management and Budget, talk about outlook for action to avert a so-called U.S. fiscal cliff following the election of President Barack Obama to a second term. This report also includes comments from former White House spokesman William Burton, Potomac Research Group’s Greg Valliere and Jefferies & Co.’s David Zervos. (Source: Bloomberg)
The U.S. rating depends on “a stabilization and then a downward trend in the ratio of federal debt” to gross domestic product next year, according to a Moody’s statement. Fitch also said that the nation may lose its AAA ranking next year if the government fails to reduce the deficit.
Moody’s would likely “await evidence that the economy could rebound from the shock” of the U.S. falling off the fiscal cliff before considering restoring the nation’s stable outlook from negative, according to the company’s statement.
The U.S. Treasury reiterated Oct. 31 that it expects to reach the federal debt limit “near the end of 2012.” The agency said in a statement that it can use “extraordinary measures” that would “provide sufficient ‘headroom’ under the debt limit to allow the government to continue to meet its obligations until early in 2013.”
Failure to reach even a temporary arrangement to prevent “the full range of tax increases and spending cuts implied by the fiscal cliff and a repeat of the August 2011 debt ceiling episode” would probably result in a downgrade, Fitch said.
Obama wins, fiscal cliff looms | Katonah Realtor
President Obama thanked his supporters, spoke about unity and said he wants to work with Republicans and Democrats to move the country forward. He also said he plans to meet with Mitt Romney to discuss how they can work together.
President Barack Obama faces a new urgent task now that he has a second term, working with a status-quo Congress to address an impending financial crisis that economists say could send the country back into recession.”You made your voice heard,” Obama said in his acceptance speech, signaling that he believes the bulk of the country is behind his policies. It’s a sticking point for House Republicans, sure to balk at that.The same voters who gave Obama four more years in office also elected a divided Congress, sticking with the dynamic that has made it so hard for the president to advance his agenda. Democrats retained control of the Senate; Republicans kept their House majority.
House Speaker John Boehner, R-Ohio, spoke of a dual mandate. “If there is a mandate, it is a mandate for both parties to find common ground and take steps together to help our economy grow and create jobs,” he said.
Senate Republican Leader Mitch McConnell of Kentucky had a more harsh assessment.
“The voters have not endorsed the failures or excesses of the president’s first term,” McConnell said. “They have simply given him more time to finish the job they asked him to do together” with a balanced Congress.
Obama’s more narrow victory was nothing like the jubilant celebration in 2008, when his hope-and-change election as the nation’s first black president captivated the world. This time, Obama ground it out with a stay-the-course pitch that essentially boiled down to a plea for more time to make things right and a hope that Congress will be more accommodating than in the past.
Even his victory party was more subdued. His campaign said Wednesday that 20,000 people came to hear his speech in downtown Chicago, compared with 200,000 four years ago.
The most pressing challenges immediately ahead for the 44th president are all too familiar: an economy still baby-stepping its way toward full health; 23 million people out of work or in search of better jobs; civil war in Syria; a menacing standoff over Iran’s nuclear program.
Sharp differences with Republicans in Congress on taxes, spending, deficit reduction, immigration and more await. While Republicans control the House, Democrats have at least 53 votes in the Senate and Republicans 45. One newly elected independent isn’t saying which party he’ll side with, and North Dakota’s race was not yet called.
Obama’s list of promises to keep includes many holdovers he was unable to deliver on in his first term, such as rolling back tax cuts for upper-income people, overhauling immigration policy and reducing federal deficits. Six in 10 voters said in exit polls that taxes should be increased, and nearly half of voters said taxes should be increased on incomes over $250,000, as Obama has called for.
“It’s very clear from the exit polling that a majority of Americans recognize that we need to share responsibility for reducing the deficit,” Maryland Rep. Chris Van Hollen, the top Democrat on the House Budget Committee, told CNN. “That means asking higher-income earners to contribute more to reducing the deficit.”
But Sara Taylor Fagen, who served as political director in President George W. Bush’s second term, warned the current White House to pay heed to the closely divided electorate, a lesson her party learned after 2004. With 98 percent of precincts reporting, Obama had 50 percent to 48 percent for Romney.
“It’ll be interesting if the Obama team misinterprets the size of their victory,” Fagen said. “I think if you look back at history, we pushed Social Security and the Congress wasn’t ready for that and wasn’t going to do it. And had President Bush gone after immigration, we may be sitting in a very different position as a party.”
Obama predicted in the waning days of the campaign that his victory would motivate Republicans to make a deal on immigration policy next year to make up for having “so alienated the fastest-growing demographic group in the country, the Latino community.”
Former Mississippi Gov. Haley Barbour agreed that a lesson of 2012 is for his Republican Party to change the party’s approach on immigration.
“Republicans say, ‘We don’t want to reward people for breaking the law,'” Barbour told CBS. “The way we need to look at it is, how are we going to grow the American economy and where does our immigration policy fit into that?”
Even before Obama gets to his second inaugural on Jan. 20, he must deal with the threatened “fiscal cliff.” A combination of automatic tax increases and steep across-the-board spending cuts are set to take effect in January if Washington doesn’t quickly reach a budget deal. Experts have warned that the economy could tip back into recession without an agreement.
Newly elected Democrats signaled they want compromise to avoid the fiscal cliff.
Goldman Sachs says If You Make Over $250K, Your Taxes Are Going Up | Chappaqua NY Real Estate
How to Diagnose and Fix (not set) Visits from Flowplayer in Google Analytics | Bedford NY Realtor
Webmasters using Flowplayer 3.2 or earlier may have woken up to a pleasant surprise in Google Analytics the day after implementation. Visits doubled overnight, but how is that possible? Don’t get too excited because half of those visits are most likely fake visits. Flowplayer 3.2 or earlier has its own built-in analytics code, which clashes and conflicts with Google Analytics. Whether or not these issues have been fixed in the newly released 5.0 is still questionable.
Here’s a few tips for understanding, diagnosing and fixing the issues between Flowplayer and Google Analytics.
Visits doubled in the month of February as soon as Flowplayer was set up
Cause of the Flowplayer Analytics Issue
Flowplayer has its own custom analytics code embedded within the service. This tracking causes clashes with Google Analytics if the video is tagged as an Event in GA. The Events set up on Flowplayer videos get triggered as if they were interacted with even though the user may not actually interact with the video. The clash causes the Google Analytics tracking code to generate a second visitor ID, which doubles the number of visits. All of the fake visits show up as (not set) in Google Analytics as a result of not being an actual visit.
Not Set showed up as the top landing page during a two week span after launching Flowplayer
Diagnosing the Flowplayer Issue in Google Analytics
Diagnosing Flowplayer issues in Google Analytics is quite simple. The first step is to closely monitor Google Analytics on a daily basis after launching a Flowplayer video. The area to monitor closely is landing pages and page depth. Since this issue creates fake visits, there will be no landing page or page depth for the fake visits, and will show up as (not set) in GA. If (not set) shows up anywhere in GA, there is most likely a problem with one of the Events set up in GA. If any of the Events have been triggered much more than any realistically would be, you may have discovered the source of your issue. Flowplayer does not agree with Events tracking codes.
An advanced segment used for correcting the (not set) issue
How to Fix the Flowplayer Analytics Issue
Since the data collected in Google Analytics has already been skewed due to this issue, an advanced segment will be needed to filter out the fake visits. In most cases, excluding the dimension “page depth” of less than one will filter out the (not set) visits.
The event tracking code will also need to be customized to work with FlowPlayer. The first set of code is the stock version of the analytics tracking code provided by FlowPlayer. The second set of code is the fixed version of the code.Stock analytics code from flash.flowplayer.org
<script src="flowplayer/flowplayer-3.2.11.min.js"></script> <script> (function() { $f("player", "flowplayer/flowplayer-3.2.15.swf", { plugins: { gatracker: { url: "flowplayer/flowplayer.analytics-3.2.8.swf", accountId: "UA-######-#", events: { all: true } } } }); })(); </script>Fixed version:
Benefits:
1. Start and Finish will be treated as non-interactive events. This will make your bounce rates more accurate.
2. Event tracking Visitor ID will match with the trackPageview Visitor ID.
3. No extra bandwidth used by downloading an additional swf.<script src="flowplayer/flowplayer-3.2.11.min.js"></script> <script> (function() { function trackEvent(options) { options = options || {}; options = { category : options.category || "Video", action : options.action || "", label : options.label || "", value : options.value || null, noninteractive : options.noninteractive || false } options.label += ""; // Coerce this into a string. _gaq.push(["_trackEvent", options.category, options.action, options.label, options.value, options.noninteractive]); } $f("player", "flowplayer/flowplayer-3.2.15.swf", { clip: { onStart: function() { trackEvent({ action: "Started", noninteractive: true }); }, onPause: function() { trackEvent({ action: "Pause", label: this.getTime() }); }, onResume: function() { trackEvent({ action: "Resume", label: this.getTime() }); }, onFinish: function() { trackEvent({ action: "Finished", noninteractive: true }); } } }); })(); </script>Related Stories ▼
What do you think? ▼
Social Media Marketing Has a Major Influence on Moms’ Buying | Pound Ridge Realtor
Want to market to socially-savvy moms? 92% of them buy products based on social media recommendations.
Data from a new study by Child’s Play Communications, specialists in connecting companies with moms, shows that moms are increasingly using social networks to research products. Presented at the Marketing to Moms Conference in Chicago,“How Moms are Using Social Media Right Now — and How You Can Make the Most of It”, also found that Facebook and blogs have the largest impact on their purchasing decisions.
1200 moms who are active on social media sites were asked these questions:
- What social media platforms do you currently favor?
- How has that changed?
- Why?
- What social media platforms impact your purchase decisions?
- What products do you buy as a result of social media recommendations?
Takeaways:
- Facebook, Twitter, and blogs are the three most popular social media platforms among social moms.
- 63% of moms tried Pinterest for the first time this year.
- 28% would like to try Instagram.
- Moms are early adopters of social media: Polyvore and Olioboard are among the new services they’re using.
- 64% of moms are spending more time on Facebook than in the past.
- 33% of them use Twitter less.
- 92% of moms buy products as a result of a social media recommendation.
- 80% say that blogs influence their purchasing decisions more than any other social media sites.
- Toys are the
SEO for Bloggers With Soul | Bedford Corners NY Realtor
Maybe you consider yourself a serious writer who doesn’t have time for the details of how to boost SEO.
Why should you bother with that when you’ve launched a blog to help people and make the world a better place? Every post you write is packed with valuable information and compelling content. For you, that’s most important, and it should be.
However, it’s hard to change the world if you can’t reach the world, and SEO increases the chances that readers will discover this life changing blog of yours.
You still might think SEO is mostly fake and contrived and not worthy of a serious writer’s attention and time. You might view SEO as a spammer’s bag of tricks, even with Google’s efforts to make it harder to manipulate the system.
I understand that you’re a truly passionate blogger who wants to distance yourself from the kind of malignant marketing that clogs your spam folder. But there’s more to it.
Basic SEO practices are also good blogging and writing practices. More than just helping your site show up in a search engine, SEO can help improve a blog’s focus, readability, and value.
Here’s how it happens naturally.
Focus keywords: passion and niche
Keyword usage is possibly the number one strategy for bloggers, likely because it’s one of the simplest. But keywords have gotten a reputation for destroying perfectly good writing by making it annoyingly repetitive. That’s because spam writers pack keywords into every sentence, thinking it makes a difference.
Instead, the only keywords you need to focus on are passion and niche. Your blogging niche is probably your passion.
Of course those two terms won’t be your actual keywords. Instead, your keywords are the names of the category/sub-category that your niche falls under. For example, your niche and therefore your keywords might be rooftop gardening, comic book collections, or backswing.
This is far from contrived, and you’re probably already using these words because they’re the subject of your blog. It’s actually what your site is about and what your posts are about from any number of angles. The majority of your posts, therefore, and your titles, should naturally include these words on a fairly consistent basis.
If readers can’t tell what your blog is about, they probably won’t come back. If it’s clear that your blog is all about rooftop gardening, then rooftop gardeners will keep returning for more information. Otherwise, they’ll think you’re some sort of generalist blogger who once wrote about rooftop gardening on a whim.
So it’s bigger than keywords. It’s about the focus of your blog.
Still concerned about the quality of the writing? SEO can help improve the reading experience of your posts.
Titles and language: be direct
Honest, soulful, non-spam blogging is all about the readers, isn’t it?
Beginning with the title, SEO reminds you to tell readers exactly what to expect from an article. They shouldn’t have to read hundreds of words only to realize your post won’t give them what they’re looking for. Readers are busier than ever and they literally have a million other things they could be giving attention to. If you don’t respect your readers’ attention, they may never bother to read your work again.
It’s only fair that you don’t waste their time with misleading, ambiguous titles or introductory paragraphs that dance around the subject. More than likely, they won’t even click the link if the title is bad and isn’t somehow informative. You can still keep intrigue and shock, but the topic should always be clear and specific.
Another value of being SEO minded is that it reminds you to write in a clear, conversational tone. As the saying goes, “Never use a big word when a diminutive one would suffice.”
This is more than search engine friendliness. Conversational language helps you connect with your audience and convey those brilliant ideas to the broadest, possible range of people.
Before you could ever think about the “how” of language, I’m sure you determine the “what.” What’s the value in everything you’re doing, and how does SEO help you improve that value?
Length and links: offer valuable content
When I’m grading student papers, I can estimate how well-developed or under developed the papers are by looking at the word count. Word count factors into the quality of writing because many students make strong claims, but they fail to support illustrate, or expound on those ideas.
For instance, students would probably say they can sum up this entire post in one sentence.
I can too: SEO can help improve a blog’s focus, readability, and value.
But if I had just stopped there, would you be convinced? Would you really walk away with a renewed perspective on SEO if I had left it at that?
That’s where elaboration comes in. Make a wonderful claim, and then tell readers how to apply it or how it relates to them.
Readers like posts that are packed with insight and helpful information. Being vague and general won’t give them that. Write it plainly, but also write it completely.
Include links wherever they’re truly relevant. Give readers the opportunity to continue learning beyond the single post they’re reading.
All of this is in line with your noble mission, not contrary to it.
SEO with soul
Unfortunately, a system put in place to measure the value of sites so that Google could deliver the best value to its users has been hacked by people trying to make a quick buck. But like any form of technology, a few people who abuse the system don’t make the system inherently worthless. Like Facebook, Twitter, and television, it’s about how you chose to use the tool, and the kind of value you bring to it.
If you’re a regular at ProBlogger, you’re probably someone who uses technology for legitimate, even charitable purposes. Your good intentions should lead you to an honest use of SEO. I call it SEO with soul.
So I urge you not to let the spammers keep you away from a great thing. Take back SEO, and show the world how to do it right.
3 Reasons Google+ Rocks SEO | Armonk NY Realtor
Troubleshoot home repairs and save | Mount Kisco NY Real Estate
![]()
Book Review
By the time you see this, I pray that Hurricane Sandy will have wound herself down, giving our East Coast friends and neighbors a moment’s rest before they begin putting their homes and towns back together again. There were many stories of heroism and rescue to come out of this disaster, but one that touched me personally probably failed to make many front pages.Brooklyn, N.Y., writer Deanna Zandt realized early on in the storm that the wind had blown her home’s fire hatch wide open. In her own words:
“I went to the back of the house, slowly, and noticed light and a breeze coming through the cracks of the doors of my back closet. Opened the doors to find that the lid to the fire escape roof hatch had blown off. Here’s the problem with this whole lid-blowing-off thing: it’s not just the rain. An open window/door/whatever during a hurricane creates a pressurized situation that allows very little wind force to lift a roof right off of the house. Only thing we could do was take turns holding on. Holding on to our roof.”
Zandt and her landlords spent the next six hours — six hours! — taking turns holding their roof down, with a rope; she chronicles her household’s extraordinarily brave, smart and ultimately successful efforts in a comedic/terrifying blog post, here.
MacGyver wouldn’t be proud: He’d be in awe. Zandt detected the issue and was able to heroically avoid true disaster only because she and the others in her household (and some family members from afar) realized it presented a much graver danger, if not dealt with, than it would appear on the surface. They understood how a home works, and that positioned her to hold onto her roof. Literally.
When it’s time to study up on real estate, often in anticipation of buying a home, we tend to focus on the transactional and financial aspects of the experience. We read books and blogs on homebuying; we download lists of interview questions to ask agents; and we fixate on what to offer and when to lock our interest rates. We tend to leave the understanding of the literal nuts and bolts of our properties themselves to the inspectors, investing blind trust in them mostly because in this day and age where we focus on digital information and content, it’s much, much harder to wrap our heads around the physics, engineering, mechanics and myriad moving pieces of what is still legally called “real property.”
But this knowledge is essential — and it doesn’t have to be painful to acquire. I can’t tell you the number of times, as the owner of a home in pretty great condition, I have had to call on my relatively rudimentary knowledge of building basics, acquired through years of selling real estate, reading inspection reports and compacting myself into crawl spaces that my own clients, the owners-to-be, have never been in, alongside the inspectors.
If you are planning to buy or build a single-family home, or you already own one, listen up. I’m about to make a bold statement. You should own this week’s book: “How Your House Works: A Visual Guide to Understanding and Maintaining Your Home,” by Charlie Wing.
“How Your House Works” is precisely what it says it is: a beautifully illustrated, diagram-packed, no-frills guide to every component and system of your home complete with super-short, plain English mini-tutorials that explain each visual.
Don’t be intimidated by the idea of diagrams: Wing, a national home improvement and repair authority, strips back each one to no more than a handful of the most important elements you absolutely need to know to understand the basic function of whatever home system is being covered, from framing to faucets — no more, and no less.
“How Your House Works” is written on two foundational (pardon the pun) assumptions: (a) that most repairs your home will ever need are very, very simple; and (b) that understanding how to fix something requires that you understand how it will work. Wing is not seeking to inspire us each to channel our inner Bob Vila; rather, he’s trying to help us avoid stories like his friend’s, who had to pay a $150 site visit fee for the plumber to pluck a pistachio shell out of the dishwasher, instantly stopping the noise it was making.
Having even a basic understanding of how your home works empowers you to save potentially thousands of dollars during your time in the property on unnecessary repair visits and calls, positions you to speak knowledgeably about what needs to happen with contractors when you do truly need them, and minimizes downtime from supposedly “broken” appliances and systems that might not really require much more than a tightened screw, a replaced bolt or a new washer.
And “How Your House Works” does this, elegantly and manageably, for 10 categories of home elements: pluming, electrical, heating, cooling, air quality, appliances, windows and doors, foundation and frame, outdoors (think: lawnmowers, chainsaws, sprinklers and septic), and a more aspirational section on sustainable home elements, like timed thermostats and solar heating.
So, get this book. If you’re buying a home in an area where many sellers have prelisting inspection reports available, it’s not at all premature to buy the book before you even find “the one”; and it’s certainly not overkill to flip through it before you attend your own home’s inspections or while you’re reading the reports. And homeowners, consider yourself on notice: The knowledge in this book can save you money, drama and in the most dire of circumstances, immeasurably more.
Regulators teaming up to build national mortgage database | North Salem NY Real Estate
Two federal agencies are teaming up to create a national mortgage database they say will help them track emerging mortgage and housing market trends and support policymaking and research.
The Federal Housing Finance Agency (FHFA), which regulates mortgage giants Fannie Mae and Freddie Mac, and the Consumer Financial Protection Bureau (CFPB) have signed an agreement outlining the terms of the database’s development, maintenance and funding. An early version of the database, which will aggregate data spanning the life of a mortgage loan, is expected to be complete in 2013.
“This partnership between FHFA and CFPB will create a unique resource that benefits the government and public as we seek to answer important questions about how the housing finance market is evolving and changing,” said Edward J. DeMarco, FHFA’s acting director, in a statement.
CFPB Director Richard Cordray said the database would be a valuable tool for regulators and researchers.
“In order to understand what is going on in the mortgage marketplace and develop appropriate consumer protections, we must have the best facts and data,” Cordray said in a statement.
At least two real estate industry players have set their sights on providing government agencies as well as lenders and secondary mortgage market investors with high-quality analytics products based on public records data and real-time multiple listing service data nationwide: National Association of Realtors subsidiary Realtors Property Resource (RPR) and data aggregator CoreLogic’s Partner InfoNet.
Both initiatives depend on the participation of individual MLSs, which number roughly 900 across the country. Despite some success in MLS adoption, RPR has not achieved the national coverage required by big banks and federal agencies who indicated interest in purchasing analytics from RPR, NAR CEO Dale Stinton told Inman News last week. The initiative has subsequently generated very little revenue and has cost NAR nearly $58 million to date.
“The disappointment is far less about the revenue shortfalls, and far more about the fact that this nationally scaled data could have and still can be a tremendous, reliable, real-time source of market information for the big banks and the federal agencies,” Stinton said.
“They tell us, in plain terms, that this information could considerably speed up the short-sale/foreclosure pipeline clog that has existed for several years and continues to be among the most frustrating aspects of our members’ daily business lives.”
Ben Graboske, CEO of CoreLogic MarketLinx, has declined to disclose how much revenue the company has generated from Partner InfoNet, but has said most of the initiative’s customers are lenders and government agencies.
“All of the big lenders and government agencies are very interested in this data. It’s hard to size the market … but the demand is absolutely there and the demand is absolutely growing,” he told Inman News.
Contract awarded to Experian
Regulators say they’re building their own database in order to track the relative health of mortgage markets and outcomes for consumers; provide insights on consumer decision-making; monitor the volume and performance of mortgage products and identify potential risks; view both first and second-lien mortgages for a given borrower; and understand the impact of consumers’ debt burdens.
The database will not contain personally identifiable information, they said. The database will track a loan from origination through servicing and include the borrower’s financial and credit profile, the mortgage product and terms, the property purchased or refinanced, and the ongoing payment history of the loan.
The agencies will match a nationwide sampling of credit bureau files on borrowers’ mortgages and payment histories with “informational files” from the Home Mortgage Disclosure Act (HMDA) database, property valuation models, and other data files, the agencies said. The data will track as far back as 1998.
On Sept. 27, the FHFA awarded Experian Information Solutions an $11.1 million contract to collect and compile consumer credit record files and merge them with other data sources to build the database.
Updated monthly, the database will fulfill an FHFA requirement under the Housing and Economic Recovery Act of 2008 (HERA) to conduct a monthly mortgage market survey, the agencies said.
They noted that, although the mortgage market is the single largest market for consumer finance, there is a lack of comprehensive data available on a complete, national scale.
“Multiple federal and state agencies, as well as private vendors, collect and maintain information, but there is no single database that contains all information in one place,” the agencies said.
“The creation of the National Mortgage Database will be the first step in a broader strategy to help streamline data for research and policy analysis and to ensure accurate, comprehensive information is more easily accessible for monitoring the market.”



Visits doubled in the month of February as soon as Flowplayer was set up





