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U.S. states plagued by historic drought are bracing for an early wildfire season with a cost that may rise as high as $1.8 billion, or almost $500,000 more than what’s available to control the blazes. Oklahomans fought seven fires in May during what is normally the state’s quietest period. Flames scorched four times as many acres in Texas from January through May as in the same period a year earlier. California is also far ahead of its usual pace and is bracing for hundreds more containment battles throughout the most populous U.S. state. “Drought has set the stage for a very busy and very dangerous fire season,” said Daniel Berlant, a spokesman for Cal Fire, as the Sacramento-based California Department of Forestry and Fire Protection is known. “From Jan. 1 through the end of April, we responded to 1,250 wildfires. In an average year for that same time period, we would have responded to fewer than 600.” The 2014 season is repeating a pattern of destruction established over the past decade by a combination of high temperatures, parched vegetation and more people living in wooded areas. Fires feeding on plentiful dry grass, brush and hardwood are requiring more personnel and money to bring them under control. More than twice as many acres burned across the U.S. through May 9 this year than during the same period in 2013, according to the Boise, Idaho-based National Interagency Fire Center. “With climate change contributing to longer and more intense wildfire seasons, the dangers and costs of fighting those fires increase substantially,” Rhea Suh, assistant secretary for policy, management and budget at the U.S. Interior Department said May 1 in a statement. Diverting Funds Federal officials expect to spend about $470 million more than the $1.4 billion that’s been allocated, according to a congressionally-mandated report released May 1. Increasing fire costs required the U.S. Forest Service and Interior Department to divert funds from other programs in seven of the last 12 years, the study showed. Millions of additional dollars in state and local funds are spent each year on persistent and ever- increasing blazes. In Arizona, last year’s record-setting fire season saw 19 members of the Granite Mountain Interagency Hotshot Crew — firefighters who work behind the lines to control the spread of flames — die in the Yarnell Hill fire, the biggest loss of life from a single fire in 80 years. Colorado experienced its most destructive wildfire in history. A conflagration in Yosemite National Park that threatened San Francisco’s water supply became the largest ever in the Sierra Nevada. Snowpack Low With snowpack that provides water for a third of California’s farms and cities at only 18 percent of average in some places after the driest year in state history, officials expect to spend $221 million in emergency funds fighting fires by June 30, said Cal Fire’s Berlant. In a normal year, the agency would start hiring seasonal firefighters this month. Instead, Governor Jerry Brown, a Democrat running for re-election, ordered 125 firefighters hired for the northern part of the state in January and kept seasonal crews in the south on the job longer. Cal Fire was “never able to transition out of fire season in 2013,” according to a statement. The agency returned to peak staffing in March in San Diego, Riverside and San Bernardino counties, where equipment and facilities are staffed around the clock. Dead brush and shrubs are drying out faster than usual in conditions more typical of mid-June than May, according to an outlook for May through August compiled by the interagency fire center. "Fuels should remain critically dry for most of the upcoming fire season,” the report said, and be “receptive to ignition and fires that are highly resistant to control efforts.” The risk of significant blazes will also come earlier than usual over much of the U.S. northwest, particularly in Oregon and Alaska, the outlook found. Because of substantial snowpack, the fire potential in the northern Rocky Mountains will be below normal, according to the analysis. Colorado Governor John Hickenlooper, a Democrat running for re-election, said yesterday that several fire-prone areas saw below-average precipitation this winter including the southwest and the southeast, in the grip of an extreme drought. ‘Mitigate Danger’ “It’s up to everyone to make sure they are taking the right steps to mitigate the danger and be prepared,” Hickenlooper said in a statement. “With forecasts and planning, plus the addition of new resources related to wildfire response, we are doing what we can at the state level.” After record-setting wildfire seasons back-to-back, Hickenlooper signed legislation setting aside almost $20 million to buy two fire-spotting planes and hire four helicopters and four large tankers for the effort. Triple-digit temperatures that came early this year to the panhandles of Texas and Oklahoma dried grasses on what already looked like a moonscape, said Mark Svoboda, a climatologist at the National Drought Mitigation Center at the University of Nebraska-Lincoln. Dust Bowl-like conditions in those areas and in southeastern Colorado and northern New Mexico, last seen during the 1930s, are increasing fire risk, he said. “The droughts in California and Texas and Oklahoma are once-in-a-generation types of droughts with conditions we haven’t seen since the 1970s,” Svoboda said. “In California, the population has doubled since the 1970s, putting more structures at risk and increasing the potential loss due to fire. Content provided by http://www.insurancejournal.com/news/national/2014/05/13/328902.htm

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"What's the point?" I sometimes ask myself. It's such an uncertain world out there. I mean, "It all looks so bleak. Why should I even bother to try to move forward in life or my career? Why should I try to improve my circumstances when I don't think it will lead to anywhere? Why should I try anything in this crazy, uncertain, unpredictable and difficult environment?" Over the last few years as I have worked through trying to deal with uncertainty of life, the unpredictability of a career, chaos at work and the complex nature of things, I have come to some realizations that have helped me to keep going and move forward in life. For me, embrace the chaos means: to accept the uncertainty of life and move forward anyway! Take action despite not knowing how things will turn out. To stop over-thinking, stop over-analyzing, stop trying to predict. To go ahead, take action, move forward in life, move forward in a new career, take new action, start a new business, get into a new relationship and stop over thinking whether or not it will work. But self-doubt arises in all of us. No matter how strong we might be, the question of WHY always comes up: Why should I embrace the chaos? Here are my own reasons to get unstuck and move forward in life... 12 Reasons to Embrace the Chaos Next Year! 1. Accepting the chaos of life is better than trying to fight it Life has always been in unpredictable and full of uncertainty. We just didn't realize it. Accept it. Don't fight it. Accepting the reality of our world today is the most important way to learn to live in it. Let go of your ego. Let go of trying to force order and perfection to an imperfect life full of ups and downs and uncertainty. Often, stress, anxiety and tension occurs when you fight hard to change something you cannot change. You can't control the chaos. You can only change you... your thoughts and your actions. And that's really good news... to focus on what you CAN control... you! 2. You cannot predict the future Uncertainty about how things will turn out tomorrow holds a lot of us back from pursuing our life ambitions, relationships or business ideas. We waste so much time trying to make sure the path we take is the "right one," when the reality is that there is no right path... just the one you're on! No one knows what's going to happen tomorrow. That's a good thing in some respects because the walls around us are malleable and move constantly. You and I have just as good a shot as anyone at success and happiness. Stop trying to figure out the future and CREATE moments by working towards your purpose in the here and now. This moment right now is the only one you can be certain of. 3. You will feel better doing than not doing Taking a step forward in any direction makes you feel like you have some level of control of your life. When you take action, you stop over thinking and get less anxious because in some sense, you are creating your own future in the here and now. You get a rush when you're consumed with activity geared towards pursuing a goal, irrespective of how tough the goal. You feel like you're in charge again because you are... of your thoughts and your actions. The positive energy generated by movement of hands and body in forward motion towards the pursuit of a higher purpose, a life-long trip, a business goal or to raise a child, is often what keeps us energetic, youthful and feel alive. 4. One thing always leads to another Like a stone thrown into a pond of water, somehow one tiny little step forward puts in motion other pieces, rippling away, leading you to places, people and opportunities that you can never have imagined. You didn't get to where you are right now by your perfectly laid out plans years ago. So many of us arrived where we are through the zig zag motion of life, through stepping stones that were laid out all over the place. Some of the greatest things in your life right now, came to you by chance, randomness and luck. 5. You will become a better person... faster, stronger, leaner and sharper The mind is a muscle and like any muscle sometimes the mind needs resistance and tension to grow and develop as much as it needs nourishment and positive energy. Use the chaos of life to learn and develop. Adversity forces you to dig down deep inside to make you rediscover your inner strength or to fire synapsis in your brain that create new learnings. Moving forward in uncertainty forces the potential energy that is already within you to come out. 6. You are resilient and know how to adapt You don't know what real strength lies within unless you're put in a situation that forces you to bring it out. You have an innate ability deep within to adapt and improvise to our new environment. You can handle it because your DNA has gone through a history of difficult times and has progressed ever since. As human beings, we have this awesome ability to persevere in really difficult times with nothing more than what you've been given: an able body and a strong mind. The resiliency inside all of is dormant but kicks in when you move forward in life. 7. You are meant for bigger things Within each of us lies a potential for great things. Think about the possibility of becoming who you really want to become... a better parent, a more successful business person who creates jobs for many, a better spouse or partner or simply contribute more to society. This great person will never be realized unless you take steps to move forward in life and do something different... to accept the chaos and move forward anyway. All of us are meant to create positive impact to all those around us, in our own unique way. Read the entire article here. Content provided by http://www.huffingtonpost.com/bob-miglani/embrace-chaos_b_4433876.html

From drinking or texting while driving to using a designated driver, there is a disconnect between what teenagers acknowledge as risky behavior and what they actually admit to doing behind the wheel, according to a survey from Liberty Mutual Insurance and SADD (Students Against Destructive Decisions). While teens know certain behaviors and situations are risky, many don’t apply that knowledge when it comes to getting behind the wheel. For example, a good number say that it is acceptable for a designated driver to have alcohol or that a designated driver is simply the most sober person in a group. Also, a majority of teens admits to using a cell phone while driving despite knowing the danger. Drink and Drive According to the survey results, teens claim to understand the dangers surrounding drinking and driving: The majority (86 percent) of teen drivers consider driving under the influence of alcohol to be extremely or very distracting Only 1 percent of teens define driving under the influence of alcohol as acceptable Only 5 percent of teens admit to at least sometimes driving under the influence of alcohol However, when asked about actual driving behavior involving alcohol, driving “under the influence” takes on a different definition: One in 10 teens who say they never drive under the influence acknowledge that they occasionally drive after having an alcoholic beverage More than two-thirds of teens (68 percent) who admit to driving under the influence of alcohol say they have done so after having more than three alcoholic beverages According to the National Highway Traffic Safety Administration, a quarter of fatal crashes involving young drivers resulting from drinking and driving. “While many teens seem to have gotten the message about these driving dangers, the real challenge is to make sure they understand that even a sip of alcohol or a quick text at a red light can be deadly,” said David Melton, driving safety expert with Liberty Mutual Insurance and managing director of global safety. “Teens need to realize it’s not acceptable to put an allowable limit to their engagement in these behaviors – they need to be eliminated entirely when they are behind the wheel.” Defining ‘Designated’ While underage drinking is never acceptable and always illegal, many teens and parents consider a designated driver to be a safe alternative to impaired driving. In fact, more than half of parents (58 percent) encourage teens to use designated drivers to avoid driving under the influence, and almost half of teens (47 percent) admit to using one. However, teens’ definitions of “designated” are concerning: Designated Means “Basically Sober”: 21 percent of teens define their designated driver as allowed to have “a little” alcohol or other drugs, as long as they aren’t too impaired to drive Designated Means “Least Impaired”: 4 percent of teens describe their designated driver as the “most” sober person in the group “With teens reporting these lax definitions of what it means to be ‘under the influence,’ a zero tolerance approach is the only answer to prevent potential tragedy,” said Stephen Gray Wallace, senior advisor for policy, research and education at SADD. “The parents and community have a responsibility to initiate and maintain an open dialogue with teens about exactly what driving under the influence means.” SADD is peer-to-peer youth education, prevention, and activism organization. Talking and Texting According to the U.S. Department of Transportation, more than 3,300 deaths were reported in 2012 alone as the result of distracted driving, many attributed to talking or texting on a cell phone. Teens seem to understand the dangers of these behaviors: Nearly all (96 percent) teen drivers understand that using a cell phone while driving – either talking or texting – is at least slightly distracting 62 percent of teen drivers think texting and driving is extremely or very distracting However, according to the new data, teen drivers often do not grasp the dangers of what it actually means to use a phone while driving: The majority of teen drivers (86 percent) still admit to using a cell phone behind the wheel Nearly half (47 percent) of the teen drivers who say they never text while driving still admit to texting at a red light or stop sign 68 percent of teen drivers admit to reading or replying to text messages while driving “It’s critical not only for teens, but all drivers to understand that any time you pull out your phone when you are driving, whether you’re moving or at a stoplight, your attention is diverted and you put yourself, passengers and others on the road at risk,” said Melton. “If you need to use your phone while driving, find a safe place to pull off the road to make a call or send a text. It’s not worth the risk to respond at a stop sign or before the light turns green.” About the Study Liberty Mutual Insurance and SADD commissioned ORC International to conduct a qualitative and quantitative methodology to measure teen driving attitudes and behaviors. The study was initiated with a series of focus groups held in Philadelphia, Pa., and Dallas, Texas from May 29 – May 30, 2013, followed by a survey of 2,537 eleventh and twelfth graders from across the country. Overall the findings from the study can be interpreted at a 95 percent confidence interval with an error margin of +/- 1.68 percent. Error margins for subsets such as licensed drivers will be wider. Additionally, the study surveyed 1,000 parents of high school aged teenage drivers, providing an overall error margin of +/- 2.94 percent. Content provided by http://www.insurancejournal.com/news/national/2014/03/18/323582.htm

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You need Employment Practices Liability insurance (EPLI...sitivity training. The U. S. Equal Employment Opportunity Commission offers a ...