Sunday, December 30, 2012

Top 10 insurance stories of 2012 ? Bankrate, Inc.

Insurance news touched the lives of every American in 2012. Dim the lights, cue the music and ready the ball to drop (no worries, it's insured),? because here's my countdown of the top 10 insurance stories of the year.

10. Bundling: Allstate continued to wash its hands of "unprofitable" business by shedding 10,000 South Carolina homeowners insurance customers who refused to bundle in their auto insurance and have their cars covered by the "good hands" people, too. The company previously purged 45,000 nonbundling North Carolina customers in November 2011, sparking protests from Bankrate readers.

9. Curbing bad habits: Insurance companies are sick of paying for our bad habits. A Cornell University study found that obesity directly contributes to $190 billion in health care costs each year, a staggering 20 percent of our national health care expenditures. Employers are choking on the cost to insure workers who smoke, a breathtaking $193 billion each year, or an additional $11,000 per smoker annually. As for intoxicants, health insurers have convinced legislatures in 25 states to pass "alcohol exclusion" laws that allow insurers the option to not cover you if you injure yourself while buzzed on alcohol or drugs.

8. Texting, driving and dodging: Federal officials say the use of mobile devices while driving causes 3,000 fatalities each year. The question is, how will the auto insurance industry respond? So far, it has largely avoided the subject.

7. Flood reform at last: The bad news? The National Flood Insurance Program, or NFIP, remains about $18 billion in the red, largely due to Hurricane Katrina. The good news? Last July, President Barack Obama signed the Biggert-Waters Flood Insurance Reform Act of 2012, which extends NFIP for five whole years and ushers in long-overdue reforms designed to make the program self-sustaining for the first time in its history.

6. Auto under siege: The Consumer Federation of America took auto insurers to task in 2012, accusing the industry of charging the poor more for auto coverage; bilking consumers out of "tens of millions of dollars" by manipulating computerized claims data; using personal?information such as gender, employment and education to set policy rates; and quoting excessively high rates on online shopping sites. An insurance trade group responded that car insurance rates are seeing increases in line with overall inflation.

5. New homeowners pay more: New homeowners felt the sting of weather-driven home insurance rate increases, paying on average 19 percent more in 2011, a jump from $682 a year to $810 nationally.

4. Preventive care included: For the first time in history, the federal government now requires health insurers to provide dozens of preventive screenings and services to all insured Americans without additional cost. The requirement, part of health care reform, is especially beneficial to women, as it includes free mammograms and human papillomavirus, or HPV, testing.

3. Feds to run most state exchanges: Because more than half the states chose to work against rather than with health care reform these past three years, the federal government will set up and operate the mandated health insurance exchanges in two-thirds of the states beginning in 2014.

2. Isaac and Sandy: Hurricane Isaac and Superstorm Sandy, coming just a year after lumbering Hurricane Irene, proved yet again that slow-moving, widespread drenchers can cause just as much destruction as?megastorms like Andrew and Katrina. The question lingers: Is this the new normal?

1. Obamacare survives two scares: The Affordable Care Act of 2010, Obama's landmark course adjustment for America's health care system, emerged largely unscathed from a contentious three-month U.S. Supreme Court battle, then cleared its final hurdle with the president's re-election.

A happy and prosperous new year to you all!

Follow me on Twitter: @omnisaurus

Subscribe to Bankrate newsletters today!

Source: http://www.bankrate.com/financing/insurance/top-10-insurance-stories-of-2012/

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Movie Reviews: Django Unchained, Les Miserables, Jack Reacher ...

Editor's Note: All reviews and information aggregated from?Moviefone.

Django Unchained

"A sharp shock of a film in an Awards season very full of movies so noble they become immobile. It's wildly unlikely to get much love from the Academy, and that's fine-bluntly, it's too good for them. With its bloody stew of history and hysteria, action taken from movies and atrocities taken from fact, Django isn't just a movie only America could make-it's also a movie only America needs to." Boxoffice Magazine.?Full Review.

"Exactly what you might expect from the fearless, controversial director of "Pulp Fiction" - it's overlong, raunchy, shocking, grim, exaggerated, self-indulgently over-the-top and so politically incorrect it demands a new definition of the term. It is also bold, original, mesmerizing, stylish and one hell of a piece of entertainment." Rex Reed of New York Observer.?Full Review.

"Django Unchained also has the pure, almost meaningless excitement which I found sorely lacking in Tarantino's previous film, Inglourious Basterds, with its misfiring spaghetti-Nazi trope and boring plot. I can only say Django delivers, wholesale, that particular narcotic and delirious pleasure that Tarantino still knows how to confect in the cinema, something to do with the manipulation of surfaces. It's as unwholesome, deplorable and delicious as a forbidden cigarette." Peter Bradshaw of The Guardian.?Full Review.

Do you plan on seeing this movie? Have you seen it already? Leave a review of the film with a comment below.

- - - - -?

Les Miserables

"Stirring and striking, Hooper's epic musical won't be wanting for awards and plaudits. Danny Cohen's cinematography is stunning and Hathaway's Oscar is guaranteed." Neil Smith of Total Film.?Full Review.

"Russell Crowe's pained vocal stylings (they sound more like barks) as relentless Inspector Javert can be forgiven after hearing Hugh Jackman's old-pro fluidity in the central role of Jean Valjean, hiding a criminal past." Joshua Rothkopf of Time Out New York.?Full Review.

"Fortunately, this sprawling epic is well-anchored. There cannot be a better big-screen showman than Jackman." Elizabeth Weitzman of New York Daily News.?Full Review.

Do you plan on seeing this movie? Have you seen it already? Leave a review of the film with a comment below.

- - - - -?

Jack Reacher

"In terms of pure pop entertainment value, you'll be hard-pressed to find a more smartly constructed, beautifully shot, pulse-pounding movie this holiday season." Drew Taylor of The Playlist.?Full Review.

"A superior thriller, with Cruise and McQuarrie slotting together like a bullet in a clip. Like Reacher on the firing range, the aim isn't always true ? but the misses are fractional." James Mottram of Total Film.?Full Review.

"Tom Cruise is in fine form as mysterious tough guy Jack Reacher finally reaches the big screen." Todd McCarthy of The Hollywood Reporter.?Full Review

Do you plan on seeing this movie? Have you seen it already? Leave a review of the film with a comment below.

- - - - -?

Promised Land

"Krasinki's soft-sell script, lets the movie's ideas get absorbed without grandstanding or pretension. Its issues go down with a smile and common sense, which turns out to be exactly the right formula." Joe Neumaier of New York Daily News.?Full Review.

"Though the film eventually caves to sentiment and stereotype, its alert performances and muted rhythms offer much to enjoy in the interim." Jeanette Catsoulis of NPR.?Full Review.

"Director Gus Van Sant finds the human side of a knotty issue. No polemics. Just the face of a new America in crisis." Peter Travers of Rolling Stone.?Full Review.

- - - - -?

Monsters, Inc. 3-D

"It's the Pixar animators who keep grown-ups as riveted as the kids with visual marvels that dazzle and delight." Peter Travers of Rolling Stone.?Full Review.

"There hasn't been a film in years to use creative energy as efficiently as Monsters, Inc." A.O. Scott of The New York Times.?Full Review.

"Who doesn't need what this movie has to give?" Joe Morgenstern of Wall Street Journal.?Full Review.

Source: http://townandcountry-manchester.patch.com/articles/movie-reviews-django-unchained-les-miserables-jack-reacher-promised-land-and-monster-inc-3-d

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2012 year in review - International Falls Journal: General

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Icebox Days 2012

Icebox Days 2012

January: Annual Icebox Days celebration draws a record number of participants in all events.

Ice show

Ice show

March: Skaters dazzle audiences during the annual International Falls Figure Skating Club?s ice show.

38 Special

38 Special

June: 38 Special gets the crowd on its feet during the second annual Riverfest event.

Peterson brothers

Peterson brothers

August: Brothers Duane and John Peterson of Bemidji take home the title in the eighth annual International Falls Bass Championship.

Posted: Saturday, December 29, 2012 9:04 am | Updated: 10:54 am, Fri Dec 28, 2012.

The Journal revisits headlines from 2012 in this news and photo feature.

January

  • The Good Samaritan Society ? International Falls selects Kraus-Anderson Construction Company as the main contractor to build new campus.
  • Area businesses report weak business with warmer-than-average winter temperatures.
  • Icebox Days draws a record number of participants.
  • Efforts from Borderland residents allow for two black Labrador puppies to enter training for America's VetDogs program.
  • Hiring for Ash River NoVA plant begins.

February

  • Rainy Lake water level drops below rule curve.
  • Life of former Falls resident, Lora Sinclair, is feature in Chicken Soup for the Soul book.
  • CEOs in the Classroom program is launched.
  • New district lines result in new leadership for Borderland.
  • Postal Service officials announce closure of Bemidji processing center,which impacts local mail delivery.

March

  • Local officials explore plan to help people with minor offenses cross the border.
  • Local musher Ryan Anderson finishes with perfect 2012 sled dog racing season.
  • Two former Falls residents discuss why the North Dakota oil boom got their attention.
  • The Falls School Board approvals layoffs and program reductions to avoid projected budget deficit.
  • Mediation continues between teacher's union and school's negotiating committee.
  • Brian Jespersen is appointed to serve as Koochiching County sheriff.

April

  • A Fort Frances man pleads for safe return of missing 7-year-old grandson.
  • JoAnn Bokovoy is named citizen of the year.
  • Ice out on Rainy Lake is declared April 6 ? a new record.
  • DNR pinpoints walleye spawning sites on Rat Root River.
  • International Falls School District Superintendent Jeff Peura accepts jobs with Lake of the Woods School Board.

May

  • International Falls City Council announces it will hire an economic, community development director.
  • Falls Elementary School principal Jerry Hilfer prepares for retirement.
  • Indus teacher Lois Lewis is named ?2012 National Family and Consumer Sciences Teacher of the Year.?
  • International Falls is awarded $650,000 grant for warehouse project.
  • Local attractions make 'Best of Minnesota' list.

June

  • A 22-week series on the journey of Ernest Oberholtzer begins.
  • A new law changes the face of school lunches.
  • Nordy Nelson is offered position as International Falls School District superintendent.
  • A bill to expand border protection is approved.
  • A kayaker stays with a Falls family while traveling from the Northwest Angle to the Florida Keys.
  • Canada proclaims July 2 as Peaceful Borders Day.

July

  • The second annual Riverfest featuring 38 Special is deemed a success by organizers of the event.
  • A grand jury is to be convened in Muggli case.
  • Falls Mayor Shawn Mason resigns to take newly created position of city director of economic and community development.
  • Carl Muggli is indicted on first-degree premeditated murder and second-degree intentional murder charges.

August

  • Falls resident Mabel Carlson turns 100 years old.
  • Falls School Board approves the hire of Melissa Tate as Falls Elementary and West End Elementary principal.
  • A rat concern is investigated by city officials.
  • Members of the Koochiching County Board express concern about wetlands plan.
  • A second cold box at the Falls cold weather testing facility receives $200,000 grant.
  • Runner Mike Ehredt launches 2,100-mile journey from Borderland to Texas to honor fallen veterans.
  • Brothers Duane and John Peterson of Bemidji, capture the eighth annual International Falls Bass Championship title.

September

  • Rainy Lake Medical Center officials discuss status of integration with Essentia.
  • Rainy Lake Medical Center announces it will temporarily discontinue the service of delivering babies.
  • Carl Muggli's trial is set for Jan. 4 in Bemidji.
  • SkyWest Airlines will provide service to the Falls International Airport.
  • Airport safety drill exceeds expectations.

October

  • KDA representatives aska Boise to reconsider withdrawal from RECAP program.
  • Koochiching County Board members discusses voter identification concerns.
  • Citizens of Backus celebrate 10 years of saving historical building.
  • Duayne and Nancy Johnson open up about importance of organ donation.
  • A local judge orders $2 million bail in Carl Muggli case.

November

  • Election night results announce Bob Anderson as the mayor of International Falls and other election results.
  • Minnesota voters reject two Minnesota ballot amendments ? and community members weigh in on how they voted.
  • Ranier residents express frustration over U.S. Postal Service decision to reduce window hours at Ranier Post Office.
  • Eric Walls is chosen by the Falls School Board as the new head boys baseball coach.
  • Resolute Forest Products Inc. kraft mill and No. 5 paper machine in Fort Frances is idled indefinitely.

December

  • Donald MacDougall, a convicted sex offender, is released from prison.
  • Local officials issue a thin ice warning.
  • The number of children in Koochiching County foster care hits all-time low.
  • A ceremony is held for grand opening of second cold weather testing cold box.
  • Local school officials react to the deadly Dec. 14 school shootings in Newtown, Conn.

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Source: http://www.ifallsjournal.com/news/general/year-in-review/article_4103e18b-0c39-5883-ade7-2ca95c04f6e3.html

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Saturday, December 29, 2012

Georgia's child-only health insurance policies launch Jan. 1st ...

A Georgia measure that takes effect Tuesday will guarantee that parents can purchase health care insurance for their children, even if the adults themselves don't have their own policy.

The "Child Only" program, approved by the Georgia Legislature, begins with open enrollment from Jan. 1 through Jan. 31, with coverage becoming available starting March 1, according to the Georgia Department of Insurance.

"To guarantee that children get the quality medical care they need, I encourage parents and guardians with uninsured children to consider purchasing this coverage," Insurance Commissioner Ralph Hudgens said in a statement.

The final rules for the program were signed this week by Hudgens. They require all insurance companies that sell health care policies in Georgia to offer coverage to children ages 19 and under, even if the kids have a pre-existing condition.

The pre-existing condition clause is something that President Obama's health-care overhaul requires anyway, with a $63-per-person fee beginning in 2014 to fund the requirement. That fee currently is scheduled to phase out over three years unless Congress renews it.

The Georgia plan is aimed at giving parents who are unemployed or have lost their job the opportunity to maintain coverage for their children.

The Georgia Department of Insurance advises parents and guardians interested in buying the coverage to contact a health care insurance agent in their area. Those with more questions can contact the department 8 a.m.-5 p.m. Monday through Friday at 1-800-656-2298.

Source: http://www.ledger-enquirer.com/2012/12/27/2325601/georgias-child-only-health-insurance.html

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EFF: Limit Software Patents - Patent Law Blog (Patently-O)

Guest Post by Julie Samuels. ?Samuels holds an endowed chair at EFF aptly named the?Mark Cuban Chair to Elimiate Stupid Patents. ?EFF's brief in the CLS Bank case is available here:?http://www.patentlyo.com/files/eff--iso-cls.pdf.?

Since the Supreme Court?s 2010 Bilski ruling, the Federal Circuit has been consistent on only one point in its ? 101 jurisprudence?and that?s on being inconsistent. In the face of the Federal Circuit?s failure to provide a workable ? 101 standard, the Supreme Court issued its unanimous ruling in Mayo v. Prometheus, essentially telling the Federal Circuit to take the patentable subject matter inquiry seriously. Yet the Federal Circuit paid no heed when it issued ruled in CLS Bank v. Alice, all but ignoring the Supreme Court (for many of us court watchers, the Federal Circuit?s failure to address Mayo was shocking; even Judge Prost, in her dissent, admonished the majority for ?fail[ing] to follow the Supreme Court?s instructions?not just in its holding, but more importantly in its approach.?).

So it really was no surprise when the Federal Circuit agreed to take CLS en banc. We, along with many others, hope that this case would provide the Court an opportunity to head the Bilski Court?s warning that:

The Information Age empowers people with new capacities to perform statistical analyses and mathematical calculations with a speed and sophistication that enable the design of protocols for more efficient performance of a vast number of business tasks. If a high enough bar is not set when considering patent applications of this sort, patent examiners and courts could be flooded with claims that would put a chill on creative endeavor and dynamic change. (130 S. Ct. at 3229).

As currently interpreted, ? 101 leaves parties unable to discern a patent?s metes and bounds or assess its validity, making inadvertent infringement an unfortunate cost of doing business. This has led to a dangerous and dramatic increase in patent litigation, particularly surrounding business method patents or those covering software. For better or worse (and I think worse), the major uptick in these cases involved non-practicing entities. Some data that we included in our amicus brief filed in CLS Bank:

  • From 200-2002, NPE litigation accounting for only about five percent of patent litigation;[1] in 2007 that figure was 22 percent and in 2011 it was 40 percent.[2]
  • Litigation surrounding software patents has also greatly increased:

6a00d8341c588553ef017c34cf3367970b-pi[1][3]

  • For the first time in 2011, spending by both Apple and Google on patents exceeded the firms? spending on new product research and development.[4]
  • NPEs now disproportionately target small companies; at least 55% of unique defendants sued by NPEs make under $10 million a year.[5]

These statistics are a direct result of the legal instability surrounding ? 101. One way to stem this problem is to create incentives for those facing litigation (or litigation threats) to pursue their meritorious defenses of noninfringement and invalidity. Section 101 could play that role, in fact, the Mayo Court seemed to state as much: ?to shift the patent-eligibility inquiry entirely to these late sections [??102, 103, 112] risks creating significantly greater legal uncertainty, while assuming that those sections can do work that they are not equipped to do.? 132 S. Ct. at 1304.

?Yet no version of recent ? 101 jurisprudence offers much hope of settling the law. Instead, we recommended in our brief (filed along with Public Knowledge) that the Federal Circuit take another route and adopt a stricter construction of ? 112(f), as recently proposed by Prof. Mark Lemley. Specifically, instead of attempting to figure out whether a broad, functional claim is abstract or not, a court may first use ? 112(f) to narrow the claim to the structures and their equivalents recited in the patent and then, if questions remain, make a ? 101 inquiry. ?

?While ? 112(f) has traditionally been applied to apparatus claims, it?s clear that Congress intended it to apply to method claims as well. Despite this, software patents often do not detail actual algorithms or explain how to actually carry out the methods they attempt to claim; as such they should be indefinite under cases like Aristocrat Techs. v. Int?l Game Tech. If the claims do specify the algorithms, then the ? 101 inquiry will be limited to those algorithms and their equivalents. These questions?of whether ?112(f) applies; if it does, how the claims should be limited; and then if ? 101 permits that narrowed claim?could all be accomplished at early stages of litigation, before expensive discovery and motion practice.


[1] James Bessen, Jennifer Ford and Michael Meurer, The Private and Social Costs of Patent Trolls, Boston Univ. School of Law, Working Paper No.?11-45, 2011 (?Bessen 2011?), at 6.

[2] Sara Jeruss, Robin Feldman & Joshua Walker, The America Invents Act 500: Effects of Patent Monetization Entities on US Litigation (2012)?at 5, 25.

[3] James Bessen, A Generation of Software Patents, Boston Univ. School of Law, Working Paper No. 11-31 (June 21, 2011), at 19

[4] Zak Islam, Smartphone Industry Spent $20 Billion on Patents in 2011, tom?s hardware (October 9, 2012), http://www.tomshardware.com/news/Patents-Smartphone-Apple-Google-Motorola,18231.html

[5] Colleen Chien, Startups and Patent Trolls, Santa Clara Univ. School of Law, Accepted Paper No. 09-12 (September 28, 2012)

Source: http://www.patentlyo.com/patent/2012/12/eff-limiting-software-patents.html

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Fox News 2012 Highlights: The Nine Most Insane Quotes

Source: http://www.thehollywoodgossip.com/2012/12/fox-news-2012-highlights-the-nine-most-insane-quotes/

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Aliens! Gangsters! Superheroes! 10 video games for 2013

Featured

9 hrs.

The holiday shopping season is officially over?and that means the spasm of big game launches is over as well,?right? Well, no. In some ways, the rush of video?game releases?is just getting started.

For a variety of?reasons, some of the games we were most looking forward to getting our thumbsticks on in 2012?had launch dates pushed back into early 2013. Quite a few hotly?anticipated games are stacked up for a debut in?the new year?... and?some are just weeks away from arriving on shelves.

And while the spring game line-up is crowded, the rest of the ?year is looking pretty packed?as well. Quite a few?best-selling game franchises will make a big return in 2013 while some brand new titles are getting ready to tempt players with original stories and?intriguing new?gameplay.

Below you'll find 10 of the games we're most looking forward in 2013. Stop by the discussion section?to let us know which titles you're saving your?hard earned?gold coins for.

"Dead Space 3," ?Xbox 360, PlayStation 3, PC?-?Feb. 5
The?space-faring fright?fest that is the "Dead Space" series gets a new entry in the next few weeks. But while the?previous games dropped players?into terrifying solo mission filled with grotesque?creatures known as Necromorphs, this newest game?encourages players to?experience these monstrosities (and the fear they inspire)?with a friend.

Two-player, drop-in/drop-out co-operative play is the name of the?game as?you and buddy head to the icy planet of?Tau Volantis to discover the source of the Necromorph plague. Sure, you can go it all alone, but you'll get more out of the?survival horror?story if you partner up. Also, you'll have someone to hug when the undead leap at you from the dark.?

"Aliens:?Colonial Marines," Wii?U,?Xbox 360, PC, PlayStation?3?-?Feb. 12
Speaking of a good space-faring scare, the "Alien" franchise is about to get another installment, in the form of a?video?game.?Not only has?Gearbox Software billed?"Aliens: Colonial Marines" as the spiritual sequel to Jim Cameron's?"Aliens"?? the second "Alien"?movie ??but the game?is even considered part of the canon by 20th Century Fox.

InGame editor Todd Kenreck got an advance look at "Aliens: Colonial Marines." Check out his video?above.

As the name suggests, you get to play a U.S.?Colonial Marine on a mission to investigate the U.S.S. Sulaco spaceship, and?find out what happened to Ellen Ripley and?her crew.?As you play, you'll get to visit some of the most famous?locations from the films and wield some of their?most iconic weapons and equipment. And?we're hoping that, at some point in the game, we'll also get to utter the phrase, "Game over man, game over!"

"Rayman Legends," Wii U?-?Feb. 26
The bright, colorful, zany platforming game "Rayman Origins" was one of my very?favorite games of 2011. And "Rayman Legends"???a direct sequel to that game???looks like it will offer even more?music-filled, action-packed, wacky fun???but with a new twist.?That is, "Rayman Legends"???originally scheduled to arrive in November???will launch exclusively for Nintendo's new Wii U game machine in February instead. And since it's a Wii U exclusive, that?means it will be putting the machine's unique tablet-style GamePad?controller to use.

I gave?"Legends" a try at the Penny Arcade Expo earlier this year and loved the way?one player could use?the GamePad controller ??and?its touchscreen ??to assist up to four other players using standard?Wii Remote controllers. You can use the GamePad to do?things like grab and pull creatures out of the ground, open secret paths and knock enemies out of the way. I dare say "Rayman Legends" is a very good reason to pick up a Wii U if you haven't already.

"Tomb Raider,"?Xbox 360, PlayStation 3, PC?-?March 5
The forthcoming "Tomb Raider" game is another title?that found itself?delayed from 2012 to 2013. But hopefully that extra time will mean extra polish for?this reboot of one of the most famous series?in video?game history.?

The action-adventure/platforming?game is set to?re-imagine leading lady Lara Croft's early, formative years. And while it has already inspired its fair share of controversy?due to an alleged sexual assault scene, we can't wait to see the new places the?developers take this storied franchise. From what we've seen so far, Croft has been given a darker, grittier backstory (a la the?character reboot we've seen in?the new Batman/Dark Knight?films). It's a backstory that makes her more human and less of a (top-heavy)?caricature. And to that we say: It's about time.

"Bioshock Infinite," PlayStation 3, Xbox 360, PC?-?March 26
Earlier this year, the team at Irrational Games told?us we'd have to wait until next year?to get our hands on "BioShock Infinite" because they wanted more time to make it "even more extraordinary."?Needless to say, after all this waiting, our expectation for this game???the third in the critically acclaimed?BioShock franchise???are very high.

And, indeed, "Infinite"?will take us back in time and?high up into the sky, as we play?agent Booker DeWitt, a man sent on a mission?to the airborne city of Columbia. His mission: to find a young woman named Elizabeth (recently?modeled by Russian gamer/costumer?Anna Moleva). This first-person shooter promises to?drop players into a intrigue-and-adventure-filled?alternate vision?of America during the Age of Steam, while bestowing upon?us?some unique powers.

The waiting isn't over yet, but in the meantime you can check out the new?video above, which offers a preview of the first few minutes of "Bioshock Infinite."

"Injustice: Gods Among Us," Xbox 360, PlayStation 3, Wii U - April
There is an age-old question asked by geeks of all ages: Who would win in a fight ... ?Batman or Superman? Flash or the Green Lantern? Catwoman or Wonder Woman? The forthcoming fighting game "Injustice: Gods Among Us" will, at last, provide us with the answers we seek.

The game drops many of your favorite heroes and villains from the DC Comics universe into "a world where the lines between good and evil are blurred." And it's here that the developers at NetherRealm promise "Injustice" will give us "heroes and villains engaging in epic battles on a massive scale." A look at the trailer above shows they aren't kidding. When superheroes collide, mere mortals better run and hide.

"The Last of Us," PlayStation 3?-?May 7
Brought to us by the developers behind the critically acclaimed?Uncharted games, "The Last of Us" not only promises to?blend survival and action gaming?elements in unique ways, but to take us on a story-driven journey with deep, well-crafted characters.

The game takes place 20 years after a plague decimated the population, leaving civilization in ruins and the survivors?not only fighting off?infected humans but fighting with?their own fellow survivors as well. It's in this setting that we meet the grizzled survivor?Joel and the?14 year-old girl, Ellie, that he's charged with protecting. "The Last of Us" is the kind of game aimed at?grown-up players looking for thoughtfully?crafted,?grown-up gaming. Fans of "The Walking Dead" should definitely be?lining up for this one.

"Grand Theft Auto V,"?PlayStation 3, Xbox 360?-?Spring 2013
At long last, Grand Theft Auto?is hitting the road again. The?GTA games have pioneered open-world gaming, giving players the freedom to roam immense digital landscapes filled with crime,?adventure and?some very colorful characters. And Rockstar says that "GTAV" ??which takes place in and around?the fictional Southern California city of Los Santos???will be its?biggest game?yet.

"Grand Theft Auto V"?will allow players to switch between three friends/partners in crime and will?center around performing heists.?We'll get to play?Michael, a wealthy ex-gangster; Trevor, a wise-cracking crazy man with a short fuse; and?Franklin, a professional repo man. Sounds like a recipe for?trouble?... and lots of crime-filled?fun. Meanwhile,?"GTAV" developer Rockstar Games?recently revealed that the game will head underwater as well. And as the new?screenshot above indicates, that means we better get ready?for ...?sharks!

"Pikmin 3," Wii U?-?Spring/Summer 2013
Nintendo recently announced that it was delaying its?highly anticipated real-time?strategy game until the second quarter of 2013. And while waiting is a bummer, we're used to it when it comes to this delightful series.

It's been?eight long?years since "Pikmin 2" let us control swarms of the?adorable?little ant-like creatures?as they try to survive in the big BIG world. With "Pikmin 3,"?we'll be able to control these delightful Pikmin using either the GamePad or Wii Remote controller as we?set them to various tasks such as breaking down barriers, harvesting food and?taking out enemies. And?for the first time ever, we'll?get to see these creatures and their strange, wonderful?world in gorgeous HD.

"Beyond: Two Souls,"?PlayStation 3?- Late?2013
"'Beyond' will be unlike anything else you've experienced before," David Cage, the director for this forthcoming PlayStation 3?game has promised. And we have good reason to believe him. "Beyond: Two Souls" is being made by the team at?Quantic Dream, the development company that brought us the surprisingly compelling and emotionally mature cinematic game "Heavy Rain."?

"Beyond: Two Souls" is described as?a "psychological action thriller;" and it will star the excellent Academy Award-nominated actress?Ellen Page?as Jodie Holmes,?a young woman who possesses strange, supernatural powers thanks to a?psychic link to an invisible entity.?Cage says the?game will take players on a journey through?15 years of Holmes'?life as it explore themes of?death and the afterlife.?Your decisions will?determine her fate. Very intriguing indeed.

?Winda Benedetti?writes about video?games for NBC?News. You can follow her tweets about games and other things?on Twitter?here?@WindaBenedetti?and you can?follow her?on?Google+.?Meanwhile, be sure to check?out the?IN-GAME?FACEBOOK PAGE?to discuss the day's?gaming news and reviews.

Source: http://www.nbcnews.com/technology/ingame/aliens-gangsters-superheroes-10-video-games-look-forward-2013-1C7661431

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