Laser Focus World is an industry bedrock—first published in 1965 and still going strong. We publish original articles about cutting-edge advances in lasers, optics, photonics, sensors, and quantum technologies, as well as test and measurement, and the shift currently underway to usher in the photonic integrated circuits, optical interconnects, and copackaged electronics and photonics to deliver the speed and efficiency essential for data centers of the future.

Our 80,000 qualified print subscribers—and 130,000 12-month engaged online audience—trust us to dive in and provide original journalism you won’t find elsewhere covering key emerging areas such as laser-driven inertial confinement fusion, lasers in space, integrated photonics, chipscale lasers, LiDAR, metasurfaces, high-energy laser weaponry, photonic crystals, and quantum computing/sensors/communications. We cover the innovations driving these markets.

Laser Focus World is part of Endeavor Business Media, a division of EndeavorB2B.

Laser Focus World Membership

Never miss any articles, videos, podcasts, or webinars by signing up for membership access to Laser Focus World online. You can manage your preferences all in one place—and provide our editorial team with your valued feedback.

Magazine Subscription

Can you subscribe to receive our print issue for free? Yes, you sure can!

Newsletter Subscription

Laser Focus World newsletter subscription is free to qualified professionals:

The Daily Beam

Showcases the newest content from Laser Focus World, including photonics- and optics-based applications, components, research, and trends. (Daily)

Product Watch

The latest in products within the photonics industry. (9x per year)

Bio & Life Sciences Product Watch

The latest in products within the biophotonics industry. (4x per year)

Laser Processing Product Watch

The latest in products within the laser processing industry. (3x per year)

Get Published!

If you’d like to write an article for us, reach out with a short pitch to Sally Cole Johnson: [email protected]. We love to hear from you.

Photonics Hot List

Laser Focus World produces a video newscast that gives a peek into what’s happening in the world of photonics.

Following the Photons: A Photonics Podcast

Following the Photons: A Photonics Podcast dives deep into the fascinating world of photonics. Our weekly episodes feature interviews and discussions with industry and research experts, providing valuable perspectives on the issues, technologies, and trends shaping the photonics community.

Editorial Advisory Board

  • Professor Andrea M. Armani, University of Southern California
  • Ruti Ben-Shlomi, Ph.D., LightSolver
  • James Butler, Ph.D., Hamamatsu
  • Natalie Fardian-Melamed, Ph.D., Columbia University
  • Justin Sigley, Ph.D., AmeriCOM
  • Professor Birgit Stiller, Max Planck Institute for the Science of Light, and Leibniz University of Hannover
  • Professor Stephen Sweeney, University of Glasgow
  • Mohan Wang, Ph.D., University of Oxford
  • Professor Xuchen Wang, Harbin Engineering University
  • Professor Stefan Witte, Delft University of Technology

Navigating Your Options After a Natural Disaster

photo

SPONSORED CONTENT -- (StatePoint) After a disaster strikes, following these essential steps can help you protect your home, stabilize your finances and begin the process of rebuilding:

Contact Your Insurer Immediately. Your insurer will assess the condition of your property and reimburse the costs to repair or replace any damages subject to your policy’s coverage. The insurance company may send an adjuster to investigate your claim and determine how much they will pay. You may consider having a contractor assess the damage and develop a repair plan, but avoid making costly repairs until the adjuster confirms what will be reimbursed.

Many policies also cover the cost of temporary housing, food, pet boarding and other household expenses if you are displaced. When you speak with your insurer, gather as much information as possible about your coverage. For additional assistance with temporary living expenses, contact organizations such as the Homeowner’s HOPE hotline at (888) 995-HOPE.

Contact Your Mortgage Servicer. Let your mortgage servicer know about your circumstances as soon as possible. They can help you understand the mortgage relief options available to you. Forbearance is a common option, allowing you to make reduced payments or pause your mortgage payments for a specified period of time. If your loan is owned by Freddie Mac, you may be eligible for enhanced mortgage relief options.

Know Your Repayment Options. When your disaster forbearance period ends, your options vary depending on your circumstances. Regardless, it’s important to prepare for when your normal mortgage payments resume.

Your mortgage servicer will be in touch within 30 days of the end of your forbearance period. Keep an open line of communication with them to navigate your repayment options, which may include:

• A full reinstatement, in which you pay in one lump sum the total mortgage payments you owe, including taxes and insurance premiums paid, delinquent interest, any legal costs and other expenses incurred by the loan servicer.

• A repayment plan, which increases your regular monthly mortgage payment for a short period of time to make up for the mortgage payments you missed.

• A payment deferral, which moves your missed mortgage payments to the end of your loan term, but keeps your monthly payment amount the same.

• A loan modification, in which you and your loan servicer agree in writing to modify or restructure your mortgage to make it more affordable and sustainable. Loan modifications typically reduce the amount of your monthly payment by changing the terms of your mortgage, which may include the length of your loan term or the interest rate on your loan.

Avoid Fraud.Fraud and scams often spike after natural disasters, making it important to be wary of communications you receive. To help avoid scams, rely on information from trusted resources, such as your mortgage servicer, insurer or HUD-certified housing counselors, and be aware of some of the most common post-disaster scams. These include high-interest loans and repairs, contractors asking for payments in advance of work and entities claiming to be disaster relief professionals requesting your sensitive information.

For disaster relief and mortgage assistance resources, which can help you recover after a disaster, check out My Home by Freddie Mac at myhome.freddiemac.com.

In the wake of a natural disaster, you don’t have to face recovery alone. Being proactive can get you on the road to recovery.

Photo Credit: (c) Oleksandr Bezpalyi / iStock via Getty Images Plus

More News

View More

Recent Quotes

View More
Symbol Price Change (%)
AMZN  213.04
-1.43 (-0.67%)
AAPL  252.30
+4.85 (1.96%)
AMD  233.08
-1.48 (-0.63%)
BAC  51.28
+0.84 (1.67%)
GOOG  253.79
+1.91 (0.76%)
META  716.91
+4.84 (0.68%)
MSFT  513.58
+1.97 (0.39%)
NVDA  183.16
+1.35 (0.74%)
ORCL  291.31
-21.69 (-6.93%)
TSLA  439.31
+10.56 (2.46%)
Stock Quote API & Stock News API supplied by www.cloudquote.io
Quotes delayed at least 20 minutes.
By accessing this page, you agree to the Privacy Policy and Terms Of Service.