Recently, some researchers, in particular, Simon Baron-Kohen and John James, suggested that such well-known personalities from the past, as Albert Einstein and Isaac Newton had Asperger’s syndrome. Scientists say that they showed some tendencies of the syndrome in their behavior, such as an intense interest in one topic, or social problems. One of the chapters of this Gillberg’s book is devoted to this theme, including a detailed case analysis of the situation with philosopher Ludwig Wittgenstein with the conclusion that the person meets the criteria for Asperger’s Syndrome. Naturally, the absence of diagnosis during life does not mean that there was nothing to diagnose, especially if we bear in mind that while there was no widespread knowledge about the syndrome (as often happens with Asperger’s syndrome, which recently has been widely recognized in psychiatric circles). However, such post-mortem diagnosis remains controversial.
Arguments in favor of the alleged autism spectrum disorders in famous personalities vary from person to person. Some of them argue that in the case of Albert Einstein (one of the most frequently cited suspected autistic), he learned to talk late, was a lonely kid, organized violent tantrums, silently repeated the previously pronounced sentence, and needed his wives to play the role of parents when he was an adult – the stereotypical factors for autistic individuals. Isaac Newton stuttered and suffered from epilepsy. Many of these alleged historical cases of Asperger’s syndrome can be quite soft (not expressed), but some skeptics argue that in these cases only some features of autism can be seen, and they are not enough to diagnose autism spectrum. In the end, many critics of historical diagnosis claim that it is simply impossible to diagnose the dead, and therefore nothing can be said with certainty about historic individuals with (or withour) Asperger’s syndrome.
All of these assumptions may be just an attempt to create a pattern of behavior (role model, an object for imitation) for people with autism, and demonstrate that they can do constructive things, and make a contribution to society. Such a presumptive diagnosis is often used by activists for the rights of people with autism to show that the treatment of autism would be a loss to society. But others in the organizations for the rights of autistic people do not like these arguments because they feel that people with autism have to appreciate their uniqueness even if they do not want to be healed, regardless of whether people like Einstein were autistic.
Some features of appearance and facts of activity indicate that John Carmack is also a man with AS, or he has other unusual personality type of a similar nature.
Possible causes and origins of Asperger’s syndrome is hotly debated and controversial topic. The majority opinion today is that the causes of Asperger’s syndrome are the same as autism’s. Some researchers, however, disagree and argue that the Asperger syndrome and autism are lead by two different things. All this occurs during the ongoing wider debate about whether Asperger’s syndrome and other conditions (such as attention deficit disorder and hyperactivity disorder – ADHD) are the part of the so-called autism spectrum.
Among many competing theories about the causes of autism (and, therefore, as many believe – Asperger’s Syndrome) – theory of non-complete connection, developed by researchers of cognition at Carnegie Mellon University and the University of Pittsburgh, the theory of marginal male brain of Simon Baron-Kohena, the theory of pre-working, theory of social structure and genetics.
Some theorists give more arguments in favor of Asperger’s syndrome than autism. Sometimes they argument that some specific theories play a greater role in Asperger’s syndrome, for example, theory of social structure and genetics. However, this is the area of considerable controversy.
Source by Andy A Alexin
Chafing is a problem for many active individuals. It begins as a slight redness on the skin and can get bad quickly. Movement can become uncomfortable seemingly out of the blue. Is there a way to prevent or treat this problem and keep the body healthy? This page will cover the specifics of what causes, how to treat and minimize this irritation. There are a few easy steps to take that will stop chafing before it has a chance to take hold.
What does chafing mean?
Chafing is caused by the rubbing of skin against surfaces like loose or tight clothing, excess moisture or objects. The rubbing causes friction and damage by leaving little abrasions all over the affected surface. Chafed skin tends to look red or as if it has a rash. Areas experiencing chafing tend to get sore and it becomes noticeable quickly. Excess weight can be the cause of chafing without much activity during the warm weather months.
Friction induced chafing can be experienced by anyone at any age. Most diaper rashes are caused by the chafing of skin from moisture on the surface of the diaper against skin. Elderly people often have to deal with chafing problems when clothes are ill-fitting. Any time you are dealing with constant friction chafing will happen. It is only a matter of time before you begin to feel the effects.
What is Neosporin Ointment
Neosporin ointment, which contains anti-bacterial medication, can be used to treat skin chafing since it can prevent the affected area from becoming infected. The ointment can also moisturize the affected skin area, prevent it from cracking and alleviate the pain caused by dryness. It is especially important to use ointments like Neosporin to treat particularly deep and severe skin chafing that have open wounds and bleed as the area can become infected.
One should read the instructions, ingredients, and warnings on the package of Neosporin carefully before using it as it may contain ingredients that the one is allergic to. Before applying Neosporin, one should clean and then dry the chafed area with clean water and soap. After applying the ointment to the affected area, one can also apply a bandage over it to protect it from further friction and irritation. Refraining from performing activities that can further aggravate the chafing will promote the chafing’s timely healing.
Disclaimer: Please note that this is intended for informational purposes only and should not be used as a substitute for professional medical diagnosis and treatment. One should consult a medical professional for health diagnosis and treatment.
Source by Ketih Harris
What is the 40 percent rule? Well for starters it is a game changer when it come to building wealth. I have read over 100 books on investing and personal finance. I do not recall coming across the 40 percent rule. I discovered the rule by reading The Millionaire Playbook, by Grant Cardone.
I got excited when I read it. It gives a different perspective on building wealth. An aggressive game plan to help you become a millionaire. One concept is saving to invest. Not saving to save. That’s where the 40% rule comes in. Save 40% of your gross income and put it into your “Sacred Accounts” until you are ready to invest it to create more income. Sacred accounts are accounts where you never touch the money.
40% of your income is some major cheese from your paycheck. That is a huge lifestyle change especially if you are living paycheck to paycheck and in major debt. This will leave you broke most of the time but it is how the wealthy build their wealth. This is how the wealthy stay… WEALTHY.
Rich Vs. Wealthy
There is a difference between rich and wealthy. You get rich before you get wealthy and as Chris Rock said, “The ball player is rich, the guy paying the ball player is wealthy.” Bruckminster Fuller said wealth is measured in time. How long can you not work while your assets produce income? Wealth produces more wealth and it can withstand economic downturns. Look how many people stayed wealthy during the past recession.
How to Do the 40 Percent Rule
First decide that you are going to start building wealth. It’s simple not easy. Take baby steps. I couldn’t save 40% in the beginning and I was already putting 20% of my income towards paying down my debts. So I started with 4%. That was manageable and I moved up gradually. Now it’s automatic and I don’t even miss it.
If you read The Richest Man in Babylon, by George S. Clauson, then you are familiar with, “A Part Of All You Earn Is Yours to Keep”. Saving 10% of your income and 20% to pay down your debts. Now just bump your saving up to 40%. As I mentioned earlier it is a game changer.
Remember this is wealth building. You are saving so you can invest into income producing assets. This will take time. Use time wisely. Research investments that will produce more income streams. I chose real estate because it is not a fad and dependent on technology. People need to shop, eat, and live. Real estate takes care of that.
I suggest you have an emergency fund. Start with $1000. It is for emergencies only. Life always brings a crisis several times a year. But ever since I have had an emergency fund I haven’t had any financial emergencies. I have had this for several years. I have never had to dip into it. This is not an investment. It’s cash to take care of the unforeseen.
Your Income Increases
Stash away all of your bonuses, raises, and surges of income. Put that in your sacred accounts. You don’t want expenses rising to meet income. Continue to drive a wedge between expenses and income. Put all your increases into the sacred accounts.
Pull The Trigger
After some time you will have enough to start investing. I don’t know how long it will take you. I know my mentor saved for 8 years before he pulled the trigger. He turned that investment in to a $5 million dollar profit a couple of years later. He pulled the trigger after he felt confident and made sure he could get his money back. This isn’t gambling.
He got a great deal because he had access to cash. Money loves speed and when you are liquid you can pounce on opportunities. There are awesome deals everyday which people miss out on because they don’t have access to capital. This is why saving to invest is so important.
Here is what you need to do now:
1. Open up your sacred accounts. (I have one for real estate and business investing). Chose accounts where you will not have immediate access to the money. Online savings accounts are great and pay a higher interest rates.
2. Decide how much you are going to save. Start with your first paycheck, commission, or any other income. Even if it is 1% that’s better than nothing. It’s easier if you have automatic deductions. That way you won’t miss it.
3. This is a lifelong activity. Keep going until you die.
Source by Charles Fitzgerald Butler
Web development is a part of business nowadays no matter if you are working with global exposure or you are just a startup. In order to get global exposure for your brand you need to have your official website and for enjoying the best benefit, you need to take special care of the needed web improvement.
When it comes the question of employing quality web design and development services, there are actually two options available. One is hiring a full-time web developer in your office or to hire a professional web development company. In fact, there are some definite advantages over hiring a professional web design and developing company: let’s take a quick look on it.
Once you hire a website developer, you need the support of customized uniqueness, which can offer your business a unique global exposure. The professional expertise of a web development company will work here as your power booster. Other than making your website exactly like some other ones, you can make it in a way that will attract visitor’s eye.
Semantics and Validation
Well, it is really not that difficult to learn HTML tags and other coding for creating a decent look website but a professional web development company will know some more tit bits of the job. Rather a website development company can offer web design and development services with better command over semantics and validation of codes.
Not only should your coding be semantically accurate, but it needs to be adhered to the best practices of web standards. Validated code will safeguard that all tags are closed, nested properly, and up-to-date, which only an expert web development company can best perform.
As you may know, there are a handful of major web browsers and many other smaller browsers to choose from. Unfortunately, they are not all created equal so browser testing is very important.
Website optimization comes in all shapes and in different sizes. The content of your website should be optimized for multiple things including loading speed, search engines friendliness, and lead conversions. The concept of optimization is a dynamic one and a trade expert can only keep the best track of the latest optimization process. In this aspect a web development company can be the best choice for your website development plan because they always keep them upgraded to get best result for their clients as well as to sustain their existence in market.
SEO or Search Engine Optimization is a digital marketing technique used by professional web designers; however, professional web designer and developers can employ best SEO master to get best result on this website ranking issue. By hiring a web developer there is no surety that he will be able to offer you best professional SEO service but as a set up a professional web development company will offer you the same.
These are the 5 prime reasons you should bank on for hiring an expert web design and development company other than hiring a full-time web developer in your office.
Source by Praveen Dagdi
In the past few decades there has been a revolution in computing and communications, and all indications are that technological progress and use of information technology will continue at a rapid pace. Accompanying and supporting the dramatic increases in the power and use of new information technologies has been the declining cost of communications as a result of both technological improvements and increased competition. According to Moore’s law the processing power of microchips is doubling every 18 months. These advances present many significant opportunities but also pose major challenges. Today, innovations in information technology are having wide-ranging effects across numerous domains of society, and policy makers are acting on issues involving economic productivity, intellectual property rights, privacy protection, and affordability of and access to information. Choices made now will have long lasting consequences, and attention must be paid to their social and economic impacts.
One of the most significant outcomes of the progress of information technology is probably electronic commerce over the Internet, a new way of conducting business. Though only a few years old, it may radically alter economic activities and the social environment. Already, it affects such large sectors as communications, finance and retail trade and might expand to areas such as education and health services. It implies the seamless application of information and communication technology along the entire value chain of a business that is conducted electronically.
The impacts of information technology and electronic commerce on business models, commerce, market structure, workplace, labour market, education, private life and society as a whole.
1. Business Models, Commerce and Market Structure
One important way in which information technology is affecting work is by reducing the importance of distance. In many industries, the geographic distribution of work is changing significantly. For instance, some software firms have found that they can overcome the tight local market for software engineers by sending projects to India or other nations where the wages are much lower. Furthermore, such arrangements can take advantage of the time differences so that critical projects can be worked on nearly around the clock. Firms can outsource their manufacturing to other nations and rely on telecommunications to keep marketing, R&D, and distribution teams in close contact with the manufacturing groups. Thus the technology can enable a finer division of labour among countries, which in turn affects the relative demand for various skills in each nation. The technology enables various types of work and employment to be decoupled from one another. Firms have greater freedom to locate their economic activities, creating greater competition among regions in infrastructure, labour, capital, and other resource markets. It also opens the door for regulatory arbitrage: firms can increasingly choose which tax authority and other regulations apply.
Computers and communication technologies also promote more market-like forms of production and distribution. An infrastructure of computing and communication technology, providing 24-hour access at low cost to almost any kind of price and product information desired by buyers, will reduce the informational barriers to efficient market operation. This infrastructure might also provide the means for effecting real-time transactions and make intermediaries such as sales clerks, stock brokers and travel agents, whose function is to provide an essential information link between buyers and sellers, redundant. Removal of intermediaries would reduce the costs in the production and distribution value chain. The information technologies have facilitated the evolution of enhanced mail order retailing, in which goods can be ordered quickly by using telephones or computer networks and then dispatched by suppliers through integrated transport companies that rely extensively on computers and communication technologies to control their operations. Nonphysical goods, such as software, can be shipped electronically, eliminating the entire transport channel. Payments can be done in new ways. The result is disintermediation throughout the distribution channel, with cost reduction, lower end-consumer prices, and higher profit margins.
The impact of information technology on the firms’ cost structure can be best illustrated on the electronic commerce example. The key areas of cost reduction when carrying out a sale via electronic commerce rather than in a traditional store involve physical establishment, order placement and execution, customer support, strong, inventory carrying, and distribution. Although setting up and maintaining an e-commerce web site might be expensive, it is certainly less expensive to maintain such a storefront than a physical one because it is always open, can be accessed by millions around the globe, and has few variable costs, so that it can scale up to meet the demand. By maintaining one ‘store’ instead of several, duplicate inventory costs are eliminated. In addition, e-commerce is very effective at reducing the costs of attracting new customers, because advertising is typically cheaper than for other media and more targeted. Moreover, the electronic interface allows e-commerce merchants to check that an order is internally consistent and that the order, receipt, and invoice match. Through e-commerce, firms are able to move much of their customer support on line so that customers can access databases or manuals directly. This significantly cuts costs while generally improving the quality of service. E-commerce shops require far fewer, but high-skilled, employees. E-commerce also permits savings in inventory carrying costs. The faster the input can be ordered and delivered, the less the need for a large inventory. The impact on costs associated with decreased inventories is most pronounced in industries where the product has a limited shelf life (e.g. bananas), is subject to fast technological obsolescence or price declines (e.g. computers), or where there is a rapid flow of new products (e.g. books, music). Although shipping costs can increase the cost of many products purchased via electronic commerce and add substantially to the final price, distribution costs are significantly reduced for digital products such as financial services, software, and travel, which are important e-commerce segments.
Although electronic commerce causes the disintermediation of some intermediaries, it creates greater dependency on others and also some entirely new intermediary functions. Among the intermediary services that could add costs to e-commerce transactions are advertising, secure online payment, and delivery. The relative ease of becoming an e-commerce merchant and setting up stores results in such a huge number of offerings that consumers can easily be overwhelmed. This increases the importance of using advertising to establish a brand name and thus generate consumer familiarity and trust. For new e-commerce start-ups, this process can be expensive and represents a significant transaction cost. The openness, global reach, and lack of physical clues that are inherent characteristics of e-commerce also make it vulnerable to fraud and thus increase certain costs for e-commerce merchants as compared to traditional stores. New techniques are being developed to protect the use of credit cards in e-commerce transactions, but the need for greater security and user verification leads to increased costs. A key feature of e-commerce is the convenience of having purchases delivered directly. In the case of tangibles, such as books, this incurs delivery costs, which cause prices to rise in most cases, thereby negating many of the savings associated with e-commerce and substantially adding to transaction costs.
With the Internet, e-commerce is rapidly expanding into a fast-moving, open global market with an ever-increasing number of participants. The open and global nature of e-commerce is likely to increase market size and change market structure, both in terms of the number and size of players and the way in which players compete on international markets. Digitized products can cross the border in real time, consumers can shop 24 hours a day, seven days a week, and firms are increasingly faced with international online competition. The Internet is helping to enlarge existing markets by cutting through many of the distribution and marketing barriers that can prevent firms from gaining access to foreign markets. E-commerce lowers information and transaction costs for operating on overseas markets and provides a cheap and efficient way to strengthen customer-supplier relations. It also encourages companies to develop innovative ways of advertising, delivering and supporting their product and services. While e-commerce on the Internet offers the potential for global markets, certain factors, such as language, transport costs, local reputation, as well as differences in the cost and ease of access to networks, attenuate this potential to a greater or lesser extent.
2. Workplace and Labour Market
Computers and communication technologies allow individuals to communicate with one another in ways complementary to traditional face-to-face, telephonic, and written modes. They enable collaborative work involving distributed communities of actors who seldom, if ever, meet physically. These technologies utilize communication infrastructures that are both global and always up, thus enabling 24-hour activity and asynchronous as well as synchronous interactions among individuals, groups, and organizations. Social interaction in organizations will be affected by use of computers and communication technologies. Peer-to-peer relations across department lines will be enhanced through sharing of information and coordination of activities. Interaction between superiors and subordinates will become more tense because of social control issues raised by the use of computerized monitoring systems, but on the other hand, the use of e-mail will lower the barriers to communications across different status levels, resulting in more uninhibited communications between supervisor and subordinates.
That the importance of distance will be reduced by computers and communication technology also favours telecommuting, and thus, has implications for the residence patterns of the citizens. As workers find that they can do most of their work at home rather than in a centralized workplace, the demand for homes in climatically and physically attractive regions would increase. The consequences of such a shift in employment from the suburbs to more remote areas would be profound. Property values would rise in the favoured destinations and fall in the suburbs. Rural, historical, or charming aspects of life and the environment in the newly attractive areas would be threatened. Since most telecommuters would be among the better educated and higher paid, the demand in these areas for high-income and high-status services like gourmet restaurants and clothing boutiques would increase. Also would there be an expansion of services of all types, creating and expanding job opportunities for the local population.
By reducing the fixed cost of employment, widespread telecommuting should make it easier for individuals to work on flexible schedules, to work part time, to share jobs, or to hold two or more jobs simultaneously. Since changing employers would not necessarily require changing one’s place of residence, telecommuting should increase job mobility and speed career advancement. This increased flexibility might also reduce job stress and increase job satisfaction. Since job stress is a major factor governing health there may be additional benefits in the form of reduced health costs and mortality rates. On the other hand one might also argue that technologies, by expanding the number of different tasks that are expected of workers and the array of skills needed to perform these tasks, might speed up work and increase the level of stress and time pressure on workers.
A question that is more difficult to be answered is about the impacts that computers and communications might have on employment. The ability of computers and communications to perform routine tasks such as bookkeeping more rapidly than humans leads to concern that people will be replaced by computers and communications. The response to this argument is that even if computers and communications lead to the elimination of some workers, other jobs will be created, particularly for computer professionals, and that growth in output will increase overall employment. It is more likely that computers and communications will lead to changes in the types of workers needed for different occupations rather than to changes in total employment.
A number of industries are affected by electronic commerce. The distribution sector is directly affected, as e-commerce is a way of supplying and delivering goods and services. Other industries, indirectly affected, are those related to information and communication technology (the infrastructure that enables e-commerce), content-related industries (entertainment, software), transactions-related industries (financial sector, advertising, travel, transport). eCommerce might also create new markets or extend market reach beyond traditional borders. Enlarging the market will have a positive effect on jobs. Another important issue relates to inter linkages among activities affected by e-commerce. Expenditure for e-commerce-related intermediate goods and services will create jobs indirectly, on the basis of the volume of electronic transactions and their effect on prices, costs and productivity. The convergence of media, telecommunication and computing technologies is creating a new integrated supply chain for the production and delivery of multimedia and information content. Most of the employment related to e-commerce around the content industries and communication infrastructure such as the Internet.
Jobs are both created and destroyed by technology, trade, and organizational change. These processes also underlie changes in the skill composition of employment. Beyond the net employment gains or losses brought about by these factors, it is apparent that workers with different skill levels will be affected differently. E-commerce is certainly driving the demand for IT professionals but it also requires IT expertise to be coupled with strong business application skills, thereby generating demand for a flexible, multi-skilled work force. There is a growing need for increased integration of Internet front-end applications with enterprise operations, applications and back-end databases. Many of the IT skill requirements needed for Internet support can be met by low-paid IT workers who can deal with the organizational services needed for basic web page programming. However, wide area networks, competitive web sites, and complex network applications require much more skill than a platform-specific IT job. Since the skills required for e-commerce are rare and in high demand, e-commerce might accelerate the up skilling trend in many countries by requiring high-skilled computer scientists to replace low-skilled information clerks, cashiers and market salespersons.
Advances in information technology will affect the craft of teaching by complementing rather than eliminating traditional classroom instruction. Indeed the effective instructor acts in a mixture of roles. In one role the instructor is a supplier of services to the students, who might be regarded as its customers. But the effective instructor occupies another role as well, as a supervisor of students, and plays a role in motivating, encouraging, evaluating, and developing students. For any topic there will always be a small percentage of students with the necessary background, motivation, and self-discipline to learn from self-paced workbooks or computer assisted instruction. For the majority of students, however, the presence of a live instructor will continue to be far more effective than a computer assisted counterpart in facilitating positive educational outcomes. The greatest potential for new information technology lies in improving the productivity of time spent outside the classroom. Making solutions to problem sets and assigned reading materials available on the Internet offers a lot of convenience. E-mail vastly simplifies communication between students and faculty and among students who may be engaged in group projects. Advances in information technology will affect the craft of teaching by complementing rather than eliminating traditional classroom instruction. Indeed the effective instructor acts in a mixture of roles. In one role the instructor is a supplier of services to the students, who might be regarded as its customers. But the effective instructor occupies another role as well, as a supervisor of students, and plays a role in motivating, encouraging, evaluating, and developing students. For any topic there will always be a small percentage of students with the necessary background, motivation, and self-discipline to learn from self-paced workbooks or computer assisted instruction. For the majority of students, however, the presence of a live instructor will continue to be far more effective than a computer assisted counterpart in facilitating positive educational outcomes. The greatest potential for new information technology lies in improving the productivity of time spent outside the classroom. Making solutions to problem sets and assigned reading materials available on the Internet offers a lot of convenience. E-mail vastly simplifies communication between students and faculty and among students who may be engaged in group projects.
Although distance learning has existed for some time, the Internet makes possible a large expansion in coverage and better delivery of instruction. Text can be combined with audio/ video, and students can interact in real time via e-mail and discussion groups. Such technical improvements coincide with a general demand for retraining by those who, due to work and family demands, cannot attend traditional courses. Distance learning via the Internet is likely to complement existing schools for children and university students, but it could have more of a substitution effect for continuing education programmes. For some degree programmes, high-prestige institutions could use their reputation to attract students who would otherwise attend a local facility. Owing to the Internet’s ease of access and convenience for distance learning, overall demand for such programmes will probably expand, leading to growth in this segment of e-commerce.
As shown in the previous section, high level skills are vital in a technology-based and knowledge intensive economy. Changes associated with rapid technological advances in industry have made continual upgrading of professional skills an economic necessity. The goal of lifelong learning can only be accomplished by reinforcing and adapting existing systems of learning, both in public and private sectors. The demand for education and training concerns the full range of modern technology. Information technologies are uniquely capable of providing ways to meet this demand. Online training via the Internet ranges from accessing self-study courses to complete electronic classrooms. These computer-based training programmes provide flexibility in skills acquisition and are more affordable and relevant than more traditional seminars and courses.
4. Private Life and Society
Increasing representation of a wide variety of content in digital form results in easier and cheaper duplication and distribution of information. This has a mixed effect on the provision of content. On the one hand, content can be distributed at a lower unit cost. On the other hand, distribution of content outside of channels that respect intellectual property rights can reduce the incentives of creators and distributors to produce and make content available in the first place. Information technology raises a host of questions about intellectual property protection and new tools and regulations have to be developed in order to solve this problem.
Many issues also surround free speech and regulation of content on the Internet, and there continue to be calls for mechanisms to control objectionable content. However it is very difficult to find a sensible solution. Dealing with indecent material involves understanding not only the views on such topics but also their evolution over time. Furthermore, the same technology that allows for content altering with respect to decency can be used to filter political speech and to restrict access to political material. Thus, if censorship does not appear to be an option, a possible solution might be labelling. The idea is that consumers will be better informed in their decisions to avoid objectionable content.
The rapid increase in computing and communications power has raised considerable concern about privacy both in the public and private sector. Decreases in the cost of data storage and information processing make it likely that it will become practicable for both government and private data-mining enterprises to collect detailed dossiers on all citizens. Nobody knows who currently collects data about individuals, how this data is used and shared or how this data might be misused. These concerns lower the consumers’ trust in online institutions and communication and, thus, inhibit the development of electronic commerce. A technological approach to protecting privacy might by cryptography although it might be claimed that cryptography presents a serious barrier to criminal investigations.
It is popular wisdom that people today suffer information overload. A lot of the information available on the Internet is incomplete and even incorrect. People spend more and more of their time absorbing irrelevant information just because it is available and they think they should know about it. Therefore, it must be studied how people assign credibility to the information they collect in order to invent and develop new credibility systems to help consumers to manage the information overload.
Technological progress inevitably creates dependence on technology. Indeed the creation of vital infrastructure ensures dependence on that infrastructure. As surely as the world is now dependent on its transport, telephone, and other infrastructures, it will be dependent on the emerging information infrastructure. Dependence on technology can bring risks. Failures in the technological infrastructure can cause the collapse of economic and social functionality. Blackouts of long-distance telephone service, credit data systems, and electronic funds transfer systems, and other such vital communications and information processing services would undoubtedly cause widespread economic disruption. However, it is probably impossible to avoid technological dependence. Therefore, what must be considered is the exposure brought from dependence on technologies with a recognizable probability of failure, no workable substitute at hand, and high costs as a result of failure.
The ongoing computing and communications revolution has numerous economic and social impacts on modern society and requires serious social science investigation in order to manage its risks and dangers. Such work would be valuable for both social policy and technology design. Decisions have to be taken carefully. Many choices being made now will be costly or difficult to modify in the future.
Source by Ankit Faldu
A lot of big money managers have an eye on stock market 2015-2016 looking for the best investment opportunities because that's their job – to make money in the stock market. The problem is that after six straight years of rising prices investment opportunities in the market are hard to find. Where might money managers, and you, find them?
Believe it or not, it's probably easier for you to take advantage of the best investment opportunities in 2015 and 2016 and make money in the stock market than it is for a money manager with billion of dollars to deal with. All you need is money in a brokerage account with a discount broker and you're in business at a cost of about $ 10 per trade. Your trading activity does little to affect the market price; your trades are executed swiftly and are merely a blip on a screen. Big trades (for millions) can affect the market price, can be cumbersome, and can be traced like footprints in sand.
You are not at a disadvantage, and you have a lot more potential investment opportunities and ways to make money in the stock market in 2015 and 2016 than you may be aware of. The question is: are you going to keep buying mainstream stocks that move with the market and hope that prices will continue to rise indefinitely into the future? Or, are you going to look elsewhere for opportunities in preparation of a change in market trends? Let's look elsewhere.
By early 2015, two sectors or industries were moving contrary to the market in general and both hint that a change could have been in the wind: oil and precious metals (gold and silver). Stocks in both of these industries are a popular and simple way for the average investor to make money in the stock market IF the timing is right. Keep your eyes open as the markets unfold. Oil and precious metals stocks have been falling in price while the market in general was hiring new all-time highs going into 2015. If trends change they could be some of the best investment opportunities around in 2015 or 2016.
Now, let's get a bit more creative. The future could see rising interest rates and low economic growth. Both could hurt future corporate earnings. Since good growth in corporate earnings has been the cornerstone of this 6-year rising market, what would happen if interest rates rise significantly and / or earnings fall? You guessed it. The major market indexes like the Dow, S & P 500 and NASDAQ could become volatile and tumble. If this happens, where are the best investment opportunities and how do you make money in the stock market?
Can you, as a small investor, make a bet in the stock market that interest rates will go up? Yes, you can by simply buying the appropriate ETF (exchange traded fund) in your brokerage account. Can you bet that the market will become more volatile? Same answer as above. Can you bet against the market in general or against specific sectors in the market and make money in the stock market if you are correct? Yep, all with ETFs.
The vast majority of investors will lose money when things change, because they do not really understand the dynamics. Markets change, and you must keep this in mind. The best investment opportunities often occur with a change of trend. The past six years have been unusual to say the least. It is not normal for interest rates to be this low. Nor is it normal for the stock market to go up for six straight years.
The difference between the average investor and the big money guys is that the latter know that the years leading up to 2015 were unusual, and they understand market dynamics. That's why they're racking their brains in search of the best investment opportunities for 2015 and 2016 – just in case trends change.
It's true that it's always possible to make money in the stock market, but it's certainly not easy to do when the market indices are tumbling. Be prepared, because change could be in the wind. The best investment opportunities are always out there. Now you have some ideas as to where to look to find them in 2015 and 2016.
Source by James Leitz
The free to play PC games phenomenon has changed the gaming landscape over the past few years. Now even +++ rated games are challenged by free to play games. There are innumerable kind of games available today to play free on your system. It contains all sort of games. This free to play games list is long and here we can discuss the top 5 Windows PC games. In fact, games are considered to be the great source of entertainment.
Pro Evolution Soccer 2016: This is widely played football video game for last 20 years and admired by millions of users. Pro Evolution Soccer (PES) 2016 is the official video game of UEFA Champions League, UEFA Super Cup, UEFA Europa League. This award-winning series is returned packed with all new features in 2016 edition. Completely overhauled “Master League”, new night time lighting and player models, improved human motion, dynamic weather features, deeper team intelligence and lot has been added to this version.
Dota 2: Defense of the Ancients (DOTA) is a modified version of the old game Warcraft 3. Dota is the game of strategy and action. This is played by millions of passionate fans worldwide professionally and casually. You can pick a hero from the pool of heroes, form two teams of five players and battle with counterparts to control a fantasy landscape. It supports stealth, cunning, and outright warfare. In this game, every hero has an array of capabilities and skills. This game provides brilliant gaming experience.
Killer Instinct: This game has arrived packed with all new features. Rocking reactive music, over-the-top action, a wild cast of combatants, all new visuals and commendable C-C-C-COMBO Breakers it carries all fantastic features which make it one of the most admired games. You can choose from long list of combatants with various animations, exclusive combat tactics, and special attacks. It offers online multiplayer cross play, free fighter, powerful combatants, customization options, 20 stages and lot more. Above all, you can play it anywhere with the Cloud between Xbox and Windows 10.
Angry Birds: This is one of the most played and admired games in the world. Millions of users have enjoyed this game. It takes you back in old times into galaxy far away. Where a group of rebel birds faced off against the Empire’s evil Pigtroopers. It allows you to enjoy the adventure with Angry Birds in the legendary Star Wars universe. You need to fight Pigtroopers to finally face off against the terrifying Darth Vader. It is the fight to become a Jedi master and restore freedom to the galaxy.
Asphalt 8 Airborne: This game is played by millions of users over time. With 140+ official speed machines, stunning graphics, ultimate multiplayer racing experience this arcade game play at its finest. It offers you 400+ career events, 1500 car mastery challenges, five unique game modes, 40+ high-speed tracks and lot more. It allows interaction between the vehicles, environment. You can experience multiplayer action for up to 12 opponents.
The above-mentioned games are just a glimpse of the long list of amazing PC games available today. You can choose games of your choice from different categories. In fact, there are hundreds and thousands of games that are available for almost each category. Play these games to learn and entertain yourself for good reasons.
Source by Ankit Pareek
A lot of people have been approached about using life insurance as an investment tool. Do you believe that life insurance is an asset or a liability? I will discuss life insurance which I think is one of the best ways to protect your family. Do you buy term insurance or permanent insurance is the main question that people should consider?
Many people choose term insurance because it is the cheapest and provides the most coverage for a stated period of time such as 5, 10, 15, 20 or 30 years. People are living longer so term insurance may not always be the best investment for everyone. If a person selects the 30 year term option they have the longest period of coverage but that would not be the best for a person in their 20’s because if a 25 year old selects the 30 year term policy then at age 55 the term would end. When the person who is 55 years old and is still in great health but still needs life insurance the cost of insurance for a 55 year old can get extremely expensive. Do you buy term and invest the difference? If you are a disciplined investor this could work for you but is it the best way to pass assets to your heirs tax free? If a person dies during the 30 year term period then the beneficiaries would get the face amount tax free. If your investments other than life insurance are passed to beneficiaries, in most cases, the investments will not pass tax free to the beneficiaries. Term insurance is considered temporary insurance and can be beneficial when a person is starting out life. Many term policies have a conversion to a permanent policy if the insured feels the need in the near future,
The next type of policy is whole life insurance. As the policy states it is good for your whole life usually until age 100. This type of policy is being phased out of many life insurance companies. The whole life insurance policy is called permanent life insurance because as long as the premiums are paid the insured will have life insurance until age 100. These policies are the highest priced life insurance policies but they have a guaranteed cash values. When the whole life policy accumulates over time it builds cash value that can be borrowed by the owner. The whole life policy can have substantial cash value after a period of 15 to 20 years and many investors have taken notice of this. After a period of time, (20 years usually), the life whole insurance policy can become paid up which means you now have insurance and don’t have to pay anymore and the cash value continues to build. This is a unique part of the whole life policy that other types of insurance cannot be designed to perform. Life insurance should not be sold because of the cash value accumulation but in periods of extreme monetary needs you don’t need to borrow from a third party because you can borrow from your life insurance policy in case of an emergency.
In the late 80’s and 90’s insurance companies sold products called universal life insurance policies which were supposed to provide life insurance for your whole life. The reality is that these types of insurance policies were poorly designed and many lapsed because as interest rates lowered the policies didn’t perform well and clients were forced to send additional premiums or the policy lapsed. The universal life policies were a hybrid of term insurance and whole life insurance policies. Some of those policies were tied to the stock market and were called variable universal life insurance policies. My thoughts are variable policies should only be purchased by investors who have a high risk tolerance. When the stock market goes down the policy owner can lose big and be forced to send in additional premiums to cover the losses or your policy would lapse or terminate.
The design of the universal life policy has had a major change for the better in the current years. Universal life policies are permanent policy which range in ages as high as age 120. Many life insurance providers now sell mainly term and universal life policies. Universal life policies now have a target premium which has a guarantee as long as the premiums are paid the policy will not lapse. The newest form of universal life insurance is the indexed universal life policy which has performance tied to the S&P Index, Russell Index and the Dow Jones. In a down market you usually have no gain but you have no losses to the policy either. If the market is up you can have a gain but it is limited. If the index market takes a 30% loss then you have what we call the floor which is 0 which means you have no loss but there is no gain. Some insurers will still give as much as 3% gain added to you policy even in a down market. If the market goes up 30% then you can share in the gain but you are capped so you may only get 6% of the gain and this will depend on the cap rate and the participation rate. The cap rate helps the insurer because they are taking a risk that if the market goes down the insured will not suffer and if the market goes up the insured can share in a percentage of the gains. Indexed universal life policies also have cash values which can be borrowed. The best way to look at the difference in cash values is to have your insurance agent show you illustrations so you can see what fits you investment profile. The index universal life policy has a design which is beneficial to the consumer and the insurer and can be a viable tool in your total investments.
Source by Thomas H Rawls
If you’re looking to get a new laptop that’s high on performance and cheap, this guide should put you on the right path.
The model mentioned here is perfect for K-12 students. It can help with homework and research, watching online videos and general web browsing.
A decent laptop that you want to use as a home PC or a laptop that you can bring to school can cost about $450 – $600.
It will not be quite as powerful as a workstation. You will not be able to play the latest games. If you’re thinking about running software like Photoshop or CAD, forget it. You should consider increasing your budget for a better notebook. Still, it will hold its own when you’re running common office tasks or web browsing.
These types of laptops are also bulkier than ultrabooks or ultraportable Chromebooks. If want cheaper and lighter models, then you should be looking for Chromebooks.
Right now, the best laptop to get is the Acer Aspire E 15. It’s cheap, it’s powerful and it will even allow you to play some games at decent video quality settings.
The Aspire E 15 carries a Skylake CPU, comes with 8GB of system memory and a 256GB SSD. It also integrates a dedicated graphics card, the NVIDIA GeForce 940M with 2GB of VRAM.
This laptop can run most games at decent quality levels. It will be nowhere near to the performance and quality a dedicated gaming laptop can deliver.
As a rule of thumb, if you want to buy a budget laptop in the $400-$600 range, then it should meet a few requirements. The processor should be a Core i5 (or even an i3).
You should check if the CPU is from the 5th or 6th generation since these are the newest. It should also have 6-8GB of installed system memory and either a large hard drive or a fast one.
The hard drive type you will choose will determine capacity and laptop performance. If you’ll choose an SSD, your laptop can perform a lot better.
You will notice a big difference when running software or games. A similar spec laptop that carries a regular hard drive will run these tasks slower.
To find a laptop with these specs, you’ll have to do a lot of research and browse through a lot of similar spec models. Most of these laptops will carry a 15-inch screen and weigh anything between 4 – 7 pounds.
This can leave quite a dent in their portability. It’s just not practical to carry one of these laptops around since it’s quite bulky. The battery life is not quite as good as the one that an ultrabook has.
And while most of these laptops carry a regular hard drive, they will feel a lot slower than an ultrabook. Their increased storage capacity makes up for it.
Source by Emanuel Bucsa
If you've been shopping around for a laptop with an accurate 4K display, look no further than the Lenovo ThinkPad P70. Whatever type of business or personal project you are working on, you can count on this mobile workstation to provide you with everything you need to get the task completed. In addition to an excellent display, it also comes with superfast SSD, long battery life, excellent keyboard and touchpad, and much more.
Since its design consists of a magnesium – aluminum base and glass fiber / polyphenylene sulfide lid, it's a highly durable machine. Lenovo claims that the P70 has passed a number of military-grade durability tests, including those for intense vibrations, extreme temperatures, sand blasts, and shocks.
Regardless of which processor you choose (6th gen Intel Core or Xeon), the ThinkPad has a Trusted Platform Module and vPro, which allows companies to remotely manage the laptop. It also has a fingerprint reader and (optional) smart card reader for additional security.
You can get a lot of graphics power out of the NVIDIA Quadro graphics (2GB – 8GB) M600M +. This is the perfect laptop for anyone involved in multimedia development and 3D rendering. Everything displays beautifully on the 4K UHD screen (3840 × 2160) with IPS technology and 300-nits capabilities. However, if you do not actually need a 4K display, there are other options to help you save money. An FHD 1920 × 1080 is available as well as an FHD Touch.
Lenovo ThinkPad P70 Storage and Connectivity
There is enough room for four storage drives. For starters, you can get 1 TB HDD and fast 512GB PCIe SSD, which is upgradable to 1TB PCIe. The optical drive is a DVD-RW tray.
Port selection with the Lenovo ThinkPad P70 is very good. It includes two Type-C USB 3.1 ports with Thunderbolt 3, as well as four regular USB 3.0 ports (one is "always on") and two additional video ports. This laptop can be connected up to five displays at once!
For wired networks, a Gigabit-Ethernet port is included. There is also 802.11ac wireless connectivity and Bluetooth version 4.2.
There are multiple configurations available that allow you to customize your machine in the manufacturer's online store. The final price depends on how you choose to configure your ThinkPad. All models come equipped with a Skylake processor from Intel as well as a Nvidia Quadro GPU. There are no problems with the processor utilizing its full performance potential.
If you are interested in a powerful multimedia workstation, or simply want a new gaming laptop, you can not go wrong with the Lenovo ThinkPad P70.
If you're still thinking of buying this laptop after reading Lenovo ThinkPad P70 reviews, make sure you have some valid e-coupons first. Some Lenovo special offers are ongoing and some are specific and much used within a certain timeframe.
Source by George Botwin