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- WiFi
- Air conditioning
- Swimming pool
- Beach hotel
- Family
- Gym
Choose your room
Situated at the cliffs of Puerto Rico in Gran Canaria, Spain, the hotel Riu Vistamar (All Inclusive) offers splendid views of the Atlantic Ocean and is the perfect escape from hectic city life. This comfortable Hotel is ideal for those who want a relaxing stay which also offers fun and entertainment. It includes two fresh water swimming pools, a solarium terrace, a gym and the beach with crystal clear water and golden sand that is just minutes from the hotel.
The cuisine of Gran Canaria is an authentic ocean of flavours and aromas that has influences from all over the world, and includes a variety of fruits, vegetables, meat and seafood. An exotic range of recipes and delicious dishes, which are typical of Mediterranean cuisine. In the buffet restaurant and themed restaurants you can also sample the best dishes and international recipes prepared by our chefs using top quality produce and made to order.
Thanks to the All Inclusive system, children and adults alike can enjoy the entertainment programme with our entertainers all day long. In the hotel and at the beach you will find various activities to do including water sports. You can try out gymnastics, aerobics, shuffleboard, pétanque, soccer, tennis, table tennis, volleyball and golf. If you want to keep fit, you can join the Riu Fit fitness program or you can go to the sports centre to try out some other sports. Your children can also join the exclusive Riu Land programme where they can do a range of activities and crafts with other children. At night we invite you to watch shows or have a drink as you listen to some live music.
If you decide to discover the surroundings, you can take a walk along the Paseo Costa Canaria coastal path that passes through tropical fauna or explore places such as Playa de las Burras beach, the dunes of Maspalomas, Playa de Amadores beach, Roque Nublo, the harbour of Mogán, the historical town of Agüimes, the Episcopal Palace and the island's various leisure and water parks where your children will have a ball. You will also find shopping centres, museums, theatres, auditoriums, open-air stages with concerts and numerous bars for excellent nightlife. Half of the western part of the island is covered in Biosphere Reserves, which offer activities for all ages and for those who want to get closer to nature.
Useful information:Other names for Hotel Riu Vistamar - All Inclusive:
Vistamar Club
Riu Club Vistamar
ClubHotel Riu Vistamar


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The future of compute: No servers. Just services
July 10, 2018
July 10, 2018
If I asked a roomful of IT Leaders what their teams spend most of their time on, too many would say: "Housekeeping." In an age where enterprise IT has been democratized and shadow IT runs rampant, IT departments are racing to keep up with the proliferation of software and devices.
But, if I asked a select few of our leading clients where their IT focus is, you'd hear a different answer:
Business logic. Data logic. Planning and executing an agile architecture.
The difference between the two scenarios is simple. Cloud-based services free up the leaders and their teams to focus on flexibility and modularity—building and evolving solutions and architectures in weeks or months rather than the years it used to take. If the Holy Grail is agile business, then agile architecture is the infrastructure that gets you there. And telecom companies have some road to travel—only one in five considers itself to be predominantly or fully agile.1 The move to cloud is necessary for agility. For example, consider a major cable operator building a mobile app for watching shows outside of the home. Fast-changing business rules need to be quickly reflected in the app. Cloud-based services provide that speed and flexibility in a way no other technology can.
Getting to an agile architecture via cloud-based services is a journey. At issue is how companies achieve the end goal. Some simply lift and shift—moving what was on in-house servers to cloud-based servers. While that works in the short term to expand capacity or save costs, a more strategic route now exists.
The cloud-based services market has matured to the point that companies can now create truly agile architectures based on "serverless" services. The portfolio of service offerings is broader and deeper than ever. Companies that create a serverless application architecture are reaping the benefits of faster deployments, fewer systems to create and manage, consistently up-to-date security patches on the underlying infrastructure, and other time-saving housekeeping chores.
Additionally, most serverless services are inherently scalable and resilient, which saves design and deployment time. Given that eight out of 10 executives say platform-based business models will be core to their business strategy within three years2, going to a services model not only benefits companies internally, but is essential to the partnering necessary in our digital world. Accenture Strategy research finds 38 percent of companies struggle with establishing the technology platform necessary to support their ecosystems strategy.3 For a platform-based ecosystem to work, businesses must rearchitect their legacy systems in favor of lightweight architectures built on microservices and these new cloud services.
An increasing number of companies are now considering a zero-based approach for streamlining costs and improving agility. Using a zero-based mindset, what we call ZBx, they recreate their organizations from a clean sheet—determining what is necessary to produce the desired outcomes, from budget to talent. IT leaders can do the same within their own organization as they create an entirely new clean sheet of applications that are based on business logic and data flow needs rather than on systems and storage. Some internal systems may make the transition to this new architecture, and IT leaders should be willing to walk away from those that don't in favor of more agile systems.
For example, consider a major media company that is trying to improve the information it can glean from a continuous stream of user responsiveness data. In the past, building an analytics pipeline for collecting, transforming, and learning from this data would start with building a large footprint of systems and storage before even starting to think about the business logic and data flows. But instead, Accenture Strategy showed this customer how to design a big data architecture that could be built in just weeks leveraging serverless services via the major public cloud vendors.
At a recent Oracle Cloud event in Sydney, Australia, Oracle CEO Mark Sunday spoke clearly of the future: "It's not just about taking advantage of cloud services, it's about operating like a cloud company."4
Many senior executives in the communications industry bemoan the rise of agile digital competitors. But, some are taking their teams to new heights, transforming their IT estates into agile cloud-based services. Accenture Strategy research found that deploying new technologies was the top tactic companies use to disrupt their industry.5 These are the companies who put themselves in a position to compete on speed, cost and service against those competitors. And don't forget what this move will do for your talent. Ask an IT pro to choose between "housekeeping" and "innovating"—and there you have your answer. Cloud-based services are a boost, inside and outside your IT house.
1 Accenture 2017 Technology Vision
2 "The Cloud Partnering Proposition: APIs and Microservices" Accenture, 2018
3 Accenture Strategy 2018 Ecosystems Research
4 "Don't Just Use Cloud Services, Operate Like A Cloud Company, Says Oracle CIO," Which50, May 2018
5 Accenture Strategy 2018 Ecosystems Research

subset: commoncrawl


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The Filibuster
Okay, so you guys rooting for the Red Sox or the Rays?
Fort Wayne, IN
Sometimes I wonder if people even read this blog. I know that Jeff and I take a look from time and there are occasional comments but do people really read it? In general, I believe there's a through-line to what we write and a lot of that relates to being fans of Midwestern teams, teams that are, by definition, underdogs. Sure, the Tigers and Cardinals may have a great tradition but they are not from either of the two coasts and that leads to certain amount of neglect.
We've had to root for our teams when they were at their worst. I've been a Tigers' fan since I can remember knowing about baseball and that meant I saw successful seasons followed by seasons of utter and total failure. That didn't change anything, though. I was still fan. Whether it's a 119 loss campaign or the heartbreak of losing in the World Series or a playoff, Tigers fans remain a grounded lot. Part of that is related to Detroit itself and part of it is the realization that baseball has its ups and downs and you have to roll with both extremes.
I used to think that Boston fans felt the same way. They suffered through the years without a championship despite coming agonizingly close on multiple occasions. And when they finally broke through against the Yankees and went on to trounce the Cardinals, I think quite a few people were happy for them. Even I have to admit that it felt good to see them beat the Yankees and end such a long drought.
But then something happened. The Red Sox and their fans went from being a Mitch Albom wet dream to Yankees-lite. By the time they won again in 2007, both the team and the fans had gone from long-suffering to insufferable. There's nothing wrong with confidence but what Boston had evolved from confidence into arrogance. All the talk of Theo Epstein, Big Papi and Manny being Manny began to inspire a gag reflex.
Manny is no longer in Boston or baseball. Pedro Martinez has disappeared, too. Sure, there are still gutsy, admirable players like Pedroia and Ellsbury. But I no longer have any warm feelings toward the Red Sox. As far as I'm concerned, they're just the Yankees with a Boston accent. That's why I'm cheering for the Rays.
**Have a topic you want to see us Filibuster? Interested in Mr. Lung's twist on the "O" face, the "U" face? Send us your Filibuster questions by emailing firstname.lastname@example.com or by commenting below.


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Athleisure Outfits
If you're anything like me, my gym clothes consisted of baggy sweats and an old school shirt from five years ago. NOT ANYMORE. Ditch the idea of not wearing something cute to the gym (trust me, when you feel cute, motivation is created). With a store like Plato's Closet, I can find affordable gym clothes that'll keep me stylish during my workout.
Outfit #1
Biker shorts showed up and are showing out this season as one of the hottest trends right now. This works in a gym-goers favor because you can be stylish on your way to and from the gym. You don't have to worry about bringing an extra pair of bottoms because they can absolutely be worked out in (I'm sure that's what they were created for anyways ... #80s). This can easily be paired with an oversized crew neck and a pair of sneakers and you'll really be ready to take on the fashion world outside of the gym!
Outfit #2
This second outfit is tailored more for the girl who doesn't like excess material getting in the way while they're working out. Nothing will stop this gym-goer because the spandex material moves with them as they're working out. For the bottoms, I find these leggings to be extremely versatile due to them being black, but they are also making a statement from the bold letterings down the leg. I chose to pair them with a sports bra that has an intricate back to add a little something to this grayscale outfit. Using sports bras with special designs allows you to take your outfit to the next level. This outfit is really based on all the little details.
Now go check out your local Plato's Closet's gym clothes!
Blog By: Breanna Moore | @hellohipretty


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Stripper Information Sites
- Wikipedia: Striptease
- Wikipedia: Pole Dancing
- How To Date a Stripper
- How to Pole Dance
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Stripper Blog Sites
Misc. Stripper Related Sites
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Pre-op TG female
Transfemale I would so love to learn..........
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Prostate cancer found in a 2,250-year-old mummy was caused by genetics and not environment, according to researchers.
The mummy at the National Archaeology Museum of Lisbon had a pattern of tumors between its pelvis and lower spine, telltale signs of the modern day man killer. The issue of genetics vs. environment is critical, because it has been widely believed that many if not most forms of cancer are due to environmental changes drived by industrialization.
American University in Cairo Professor Salima Ikram, a member of the team that studied the mummy in Portugal for two years, said Sunday the mummy was of a man who died in his forties.
U.S. & World
The day's top national and international news.
"Living conditions in ancient times were very different; there were no pollutants or modified foods, which leads us to believe that the disease is not necessarily only linked to industrial factors," she said.
The man beneath the gauze wrapping was likely in his forties when he died around 285 B.C. The mummy was analyzed by a powerful Multi-Detector Computerized Tomography scan.
Researchers believe the man died a slow and painful death.
"It is the oldest known case of prostate cancer in ancient Egypt and the second-oldest case in history," radiologist and researcher Carlos Prates said.
Paula Veiga, an Egyptologist, told Discovery News the case proves that cancer, believed to be largely environmental, existed in ancient Egypt.
"This study shows that cancer did exist in antiquity, for sure in ancient Egypt. The main reason for the scarcity of examples found today might be the lower prevalence of carcinogens and the shorter life expectancy," said Veiga
The earliest known case of prostate cancer was found in 2007, by researchers investigating the skeleton of a 2,700-year-old Scythian king who died in Siberia.


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Taylor Swift Recognized for Good Manners
Taylor Swift might have worldwide fame, but at her core, the singer is still a mild-mannered southern gal. Need proof? Well, the National League of Junior Cotillions added the 'Red' hitmaker to its list of the Ten Best-Mannered People of 2012.
According to Triblive.com, every year the list honors musicians, entertainers, athletes and other celebrities who set a good example for young people by conducting themselves with the highest sense of decorum. Naturally, Swift's tendency to be kind to the press and the graceful way in which she carries herself earned her a spot in the top 10.
"She continually carries herself with dignity, and is always gracious to her fans," national director Elizabeth Anne Winters Russell said.
Even though Swift always seems to have a smile on her face when she's out and about (except for those times when she's striking a fierce pose on the red carpets), that doesn't mean she isn't frequently under scrutiny from the media. Swift's latest tell-all album has broken records and sold hundreds of thousands of copies, but people still crack jokes about her failing relationships.
Even Brad Paisley and Carrie Underwood got under Swift's skin when they joked about the country songbird and her previous boyfriend, Conor Kennedy, calling it quits. Swift didn't lose her temper, but she did kindly hint to the New York Times that she didn't think the joke was funny.
It takes a strong woman to handle all of that with a sense of grace! That's part of the reason why the 'Begin Again' hitmaker has been so successful in her country crossover music career -- she keeps putting out hits no matter what the press says about her.


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From the brains behind Korduroy.tv comes a staycation surfari epic on zero dollars, surfers Ryan Burch and Cyrus Sutton set off on a thirty mile, eight day walk through San Diego, CA.
Ryan Burch, Cyrus Sutton, Richard KenvinWatch Trailer
|From the brains behind Korduroy.tv comes a staycation surfari epic on zero dollars.
Making their own boards, bamboo rickshaws, solar cookers, and hobo stoves, surfers Ryan Burch and Cyrus Sutton set off on a thirty mile, eight day walk through San Diego, CA. What begins as a guide to taking a minimalist surfing journey, quickly becomes an examination of freedom vs alienation.
|Surf Travel Movies, Shortboarding, Longboarding
|Ryan Burch, Cyrus Sutton, Richard Kenvin, Lucas Dirkse, Glen Horn, Kneeboard Steve
|Cyrus Sutton
|Cyrus Sutton
|A Peel Productions
|not rated
|Running Time
|55 minutes
|Audio Language
|English | Stereo
|Download Resolution
|HD | 1280x720 (1.69 GB)
|Streaming Resolution
|HD | 1280x720
|Additional Features
|Chapter Markers
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About Us
Since 2006, BitWine has been a top destination for anyone looking for guidance about love, relationships and life's day-to-day challenges. Over 3,000 psychics and spiritual advisors from around the world are available for online psychic readings, spiritual coaching, and relationship advice via confidential, one-to-one online chat. Qualified psychics and Tarot readers enjoy the lowest fees in the industry and immediate payment.


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Being outside and hanging out on a pretty night laying in my hammock together just talking.
Walking the Beach
How about a late breakfast, and then nice walk in the sand for exercise. Let's talk, get to know one another, listen to music. Beach chairs and an umbrella to get comfortable.
I like to take my date to Dubai for week end
a good walk, lunch by a waterfall
Driving through the Karoo, finding a pool and watch the sun go down skinny dipping and sipping champagne till the stars are out.
Dinner,lunch, A walk on the beach,Watch a sun set.
I think that the first few dates in a new relation, should be planned where the ability to freely talk at will is key, yet afford convenient things to distract from the awkward moments
Ill leave that up to you see what u like
Tracel to Italy or France and just look at the sites and each other
Anything that involves fun and laughter.
I like getting lost in the woods. Or driving down lanes without knowing where you will end up, then getting out and exploring. England and Scotland are such beautiful places to be out in nature.
I like to leave it up to you or we can just be adventurous
Going to. The movie. Theaters. Or going to the. Park or out to eat or going to the bowling alley
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Boeccure is a boutique bath and body company based out of Baton Rouge, Louisiana. We hand-craft our natural products in a studio that is part of the Bocage Cultural District.
Boeccure was founded in 2014 by Kyle Baker and Melinda Thiessen - Baton Rouge natives, graphic designers, rabbit owners.
To us, craft represents quality, tradition and community, along with the appreciation and stewardship of our diverse and abundant natural environment. At Boeccure, our goal is to manifest and advocate all of these things in every product we make.
In a time of mass production, when quality, consumer health, and consequence to the environment are just an afterthought, we strive to craft products that can deliver an eye-opening, revolutionary experience that doesn't just enhance your daily skincare routine, but also encourages mindfulness and self love.
We believe in the natural systems that regulate health, and we do not use ingredients that are proven to interfere with those systems. That means no detergents, no harmful preservatives, and only natural or nature-identical colors. Please visit our Ingredients Page to learn more about the ingredients we do use.
We also believe in being kind to the planet and its inhabitants (that includes you, so be nice to yourself, please). We try to do our part for the planet in the following ways:
PETA Cruelty Free & Leaping Bunny CertificationsWe never test on animals and we only source our ingredients from businesses that also do not test on animals.
Palm-Free Product LineWe do not use palm oil in any of our products, in an effort to aid in the fight against deforestation and its negative local and global effects.
Responsibly Forested PackagesWe carefully select our vendors to ensure that, as much as possible, our paper materials are either recycled stock, SFI Certified, or FSC Certified. We also print with vendors who use soy or vegetable-based inks.


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All of us love looking at cars, but have you ever stopped to wonder what's inside a car? What even makes them run, anyway? Is it a system of highly-trained squirrels who run on tiny treadmills that propel the car forwards and backwards?
Until now, that's what I thought, but thanks to this new Tumblr — Fuck Yeah Cutaways! — I now know exactly what's inside some of my favorite cars.
The proprietor of said Tumblr told me he's a longtime collector of cutaway images and has hundreds of them for cars, motorcycles and boats. He recently decided to put them together in one place, and will be uploading "tons more high-res pictures to waste time looking at."
We can certainly get behind that. There are definitely some Jalop-favorites in his collection, including the ones pictured here, the NSX, the Mercedes-Benz 190, and an Alfa-Romeo Sportiva. Click on over to his Tumblr to check out even more great cutaways.
And if you have a favorite cutaway of your own, feel free to paste it into the comments below!
Update: As some of you folks have pointed out, you can even more sexy car cutaways here and here as well. Have fun never getting work done again.


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Screenwriter Jack Paglen has an intriguing interpretation of nanotechnology, one he (along with the director) shares in an April 13, 2014 article by Larry Getlen for the NY Post and in his movie, Transcendence. which is opening in the US and Canada on April 18, 2014. First, here are a few of the more general ideas underlying his screenplay,
In "Transcendence" — out Friday [April 18, 2014] and directed by Oscar-winning cinematographer Wally Pfister ("Inception," "The Dark Knight") — Johnny Depp plays Dr. Will Caster, an artificial-intelligence researcher who has spent his career trying to design a sentient computer that can hold, and even exceed, the world's collective intelligence.
After he's shot by antitechnology activists, his consciousness is uploaded to a computer network just before his body dies.
"The theories associated with the film say that when a strong artificial intelligence wakes up, it will quickly become more intelligent than a human being," screenwriter Jack Paglen says, referring to a concept known as "the singularity."
It should be noted that there are anti-technology terrorists. I don't think I've covered that topic in a while so an Aug. 31, 2012 posting is the most recent and, despite the title, "In depth and one year later—the nanotechnology bombings in Mexico" provides an overview of sorts. For a more up-to-date view, you can read Eric Markowitz's April 9, 2014 article for Vocative.com. I do have one observation about the article where Markowitz has linked some recent protests in San Francisco to the bombings in Mexico. Those protests in San Francisco seem more like a 'poor vs. the rich' situation where the rich happen to come from the technology sector.
Getting back to "Transcendence" and singularity, there's a good Wikipedia entry describing the ideas and some of the thinkers behind the notion of a singularity or technological singularity, as it's sometimes called (Note: Links have been removed),
The technological singularity, or simply the singularity, is a hypothetical moment in time when artificial intelligence will have progressed to the point of a greater-than-human intelligence, radically changing civilization, and perhaps human nature.[1] Because the capabilities of such an intelligence may be difficult for a human to comprehend, the technological singularity is often seen as an occurrence (akin to a gravitational singularity) beyond which the future course of human history is unpredictable or even unfathomable.
The first use of the term "singularity" in this context was by mathematician John von Neumann. In 1958, regarding a summary of a conversation with von Neumann, Stanislaw Ulam described "ever accelerating progress of technology and changes in the mode of human life, which gives the appearance of approaching some essential singularity in the history of the race beyond which human affairs, as we know them, could not continue".[2] The term was popularized by science fiction writer Vernor Vinge, who argues that artificial intelligence, human biological enhancement, or brain-computer interfaces could be possible causes of the singularity.[3] Futurist Ray Kurzweil cited von Neumann's use of the term in a foreword to von Neumann's classic The Computer and the Brain.
Proponents of the singularity typically postulate an "intelligence explosion",[4][5] where superintelligences design successive generations of increasingly powerful minds, that might occur very quickly and might not stop until the agent's cognitive abilities greatly surpass that of any human.
Kurzweil predicts the singularity to occur around 2045[6] whereas Vinge predicts some time before 2030.[7] At the 2012 Singularity Summit, Stuart Armstrong did a study of artificial generalized intelligence (AGI) predictions by experts and found a wide range of predicted dates, with a median value of 2040. His own prediction on reviewing the data is that there is an 80% probability that the singularity will occur between 2017 and 2112.[8]
The 'technological singularity' is controversial and contested (from the Wikipedia entry).
In addition to general criticisms of the singularity concept, several critics have raised issues with Kurzweil's iconic chart. One line of criticism is that a log-log chart of this nature is inherently biased toward a straight-line result. Others identify selection bias in the points that Kurzweil chooses to use. For example, biologist PZ Myers points out that many of the early evolutionary "events" were picked arbitrarily.[104] Kurzweil has rebutted this by charting evolutionary events from 15 neutral sources, and showing that they fit a straight line on a log-log chart. The Economist mocked the concept with a graph extrapolating that the number of blades on a razor, which has increased over the years from one to as many as five, will increase ever-faster to infinity.[105]
By the way, this movie is mentioned briefly in the pop culture portion of the Wikipedia entry.
Getting back to Paglen and his screenplay, here's more from Getlen's article,
… as Will's powers grow, he begins to pull off fantastic achievements, including giving a blind man sight, regenerating his own body and spreading his power to the water and the air.
This conjecture was influenced by nanotechnology, the field of manipulating matter at the scale of a nanometer, or one-billionth of a meter. (By comparison, a human hair is around 70,000-100,000 nanometers wide.)
"In some circles, nanotechnology is the holy grail," says Paglen, "where we could have microscopic, networked machines [emphasis mine] that would be capable of miracles."
The potential uses of, and implications for, nanotechnology are vast and widely debated, but many believe the effects could be life-changing.
"When I visited MIT," says Pfister, "I visited a cancer research institute. They're talking about the ability of nanotechnology to be injected inside a human body, travel immediately to a cancer cell, and deliver a payload of medicine directly to that cell, eliminating [the need to] poison the whole body with chemo."
"Nanotechnology could help us live longer, move faster and be stronger. It can possibly cure cancer, and help with all human ailments."
I find the 'golly gee wizness' of Paglen's and Pfister's take on nanotechnology disconcerting but they can't be dismissed. There are projects where people are testing retinal implants which allow them to see again. There is a lot of work in the field of medicine designed to make therapeutic procedures that are gentler on the body by making their actions specific to diseased tissue while ignoring healthy tissue (sadly, this is still not possible). As for human enhancement, I have so many pieces that it has its own category on this blog. I first wrote about it in a four-part series starting with this one: Nanotechnology enables robots and human enhancement: part 1, (You can read the series by scrolling past the end of the posting and clicking on the next part or search the category and pick through the more recent pieces.)
I'm not sure if this error is Paglen's or Getlen's but nanotechnology is not "microscopic, networked machines" as Paglen's quote strongly suggests. Some nanoscale devices could be described as machines (often called nanobots) but there are also nanoparticles, nanotubes, nanowires, and more that cannot be described as machines or devices, for that matter. More importantly, it seems Paglen's main concern is this,
"One of [science-fiction author] Arthur C. Clarke's laws is that any sufficiently advanced technology is indistinguishable from magic. That very quickly would become the case if this happened, because this artificial intelligence would be evolving technologies that we do not understand, and it would be capable of miracles by that definition," says Paglen. [emphasis mine]
This notion of "evolving technologies that we do not understand" brings to mind a project that was announced at the University of Cambridge (from my Nov. 26, 2012 posting),
The idea that robots of one kind or another (e.g. nanobots eating up the world and leaving grey goo, Cylons in both versions of Battlestar Galactica trying to exterminate humans, etc.) will take over the world and find humans unnecessary isn't especially new in works of fiction. It's not always mentioned directly but the underlying anxiety often has to do with intelligence and concerns over an 'explosion of intelligence'. The question it raises,' what if our machines/creations become more intelligent than humans?' has been described as existential risk. According to a Nov. 25, 2012 article by Sylvia Hui for Huffington Post, a group of eminent philosophers and scientists at the University of Cambridge are proposing to found a Centre for the Study of Existential Risk,
While I do have some reservations about how Paglen and Pfister describe the science, I appreciate their interest in communicating the scientific ideas, particularly those underlying Paglen's screenplay.
For anyone who may be concerned about the likelihood of emulating a human brain and uploading it to a computer, there's an April 13, 2014 article by Luke Muehlhauser and Stuart Armstrong for Slate discussing that very possibility (Note 1: Links have been removed; Note 2: Armstrong is mentioned in this posting's excerpt from the Wikipedia entry on Technological Singularity),
Today scientists can't even emulate the brain of a tiny worm called C. elegans, which has 302 neurons, compared with the human brain's 86 billion neurons. Using models of expected technological progress on the three key problems, we'd estimate that we wouldn't be able to emulate human brains until at least 2070 (though this estimate is very uncertain).
But would an emulation of your brain be you, and would it be conscious? Such questions quickly get us into thorny philosophical territory, so we'll sidestep them for now. For many purposes—estimating the economic impact of brain emulations, for instance—it suffices to know that the brain emulations would have humanlike functionality, regardless of whether the brain emulation would also be conscious.
Paglen/Pfister seem to be equating intelligence (brain power) with consciousness while Muehlhauser/Armstrong simply sidestep the issue. As they (Muehlhauser/Armstrong) note, it's "thorny."
If you consider thinkers like David Chalmers who suggest everything has consciousness, then it follows that computers/robots/etc. may not appreciate having a human brain emulation which takes us back into Battlestar Galactica territory. From my March 19, 2014 posting (one of the postings where I recounted various TED 2014 talks in Vancouver), here's more about David Chalmers,
Finally, I wasn't expecting to write about David Chalmers so my notes aren't very good. A philosopher, here's an excerpt from Chalmers' TED biography,
In his work, David Chalmers explores the "hard problem of consciousness" — the idea that science can't ever explain our subjective experience.
David Chalmers is a philosopher at the Australian National University and New York University. He works in philosophy of mind and in related areas of philosophy and cognitive science. While he's especially known for his theories on consciousness, he's also interested (and has extensively published) in all sorts of other issues in the foundations of cognitive science, the philosophy of language, metaphysics and epistemology.
Chalmers provided an interesting bookend to a session started with a brain researcher (Nancy Kanwisher) who breaks the brain down into various processing regions (vastly oversimplified but the easiest way to summarize her work in this context). Chalmers reviewed the 'science of consciousness' and noted that current work in science tends to be reductionist, i.e., examining parts of things such as brains and that same reductionism has been brought to the question of consciousness.
Rather than trying to prove consciousness, Chalmers proposes that we consider it a fundamental in the same way that we consider time, space, and mass to be fundamental. He noted that there's precedence for additions and gave the example of James Clerk Maxwell and his proposal to consider electricity and magnetism as fundamental.
Chalmers next suggestion is a little more outré and based on some thinking (sorry I didn't catch the theorist's name) that suggests everything, including photons, has a type of consciousness (but not intelligence).
Have a great time at the movie!


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Seven months after his was nominated, the U.S. Senate this week confirmed former Rep. Mel Watt, D-N.C., to head the agency that oversees Fannie Mae and Freddie Mac, the giant companies that control much of the mortgage market.
The vote occurred after Democrats changed the rules on filibusters — now the Senate can confirm presidential nominees with a simple majority.
For people who watch the U.S. housing market, Watt's confirmation is a very big deal that could mean easier credit.
Most Americans probably don't realize that these two hugely important companies, Fannie and Freddie, are actually controlled by a bureaucrat in a little office in Washington.
That one bureaucrat has a lot of influence when it comes to the housing market.
The Power Of The Job
Watt will now be heading up the FHFA. Most Americans probably couldn't tell you what that acronym stands for. It's the Federal Housing Finance Agency. It controls Fannie and Freddie. And that means it controls a lot.
- More than 90 percent of all new mortgages in the United States flow through Fannie and Freddie (and the Federal Housing Administration). So these companies are vital. They control that massive river of money flowing into mortgages.
- They get to decide who qualifies to buy a house or refinance and who doesn't.
- They oversee hundreds of billions of dollars in mortgage investments.
- Every major decision Fannie and Freddie make has to be approved by the head of the FHFA — soon to be Watt. Fannie and Freddie used to be big quasi-private companies with chief executive officers and shareholders who held stock in the companies. But then the housing market collapsed, and Fannie and Freddie needed a $200 billion bailout. Congress gave them punishing terms under the bailout that made the companies wards of the state. The government essentially took them over and their CEOs are controlled by the FHFA chief.
Shifting The Leverage
Edward DeMarco, the official who has been in charge of the FHFA, has been controversial. He locked horns with the Obama administration. The administration wanted to use Fannie and Freddie to help more Americans refinance after millions of them were stuck in high-interest-rate mortgages. Democrats said letting those homeowners refinance would help stimulate the economy. DeMarco was seen as dragging his feet or outright blocking some of those efforts.
Republicans see DeMarco differently. They think his approach has protected taxpayers. Fannie and Freddie ended up drawing down nearly $200 billion in bailout money from the Treasury. DeMarco wanted to get that money back, and he's done that. (Though under the terms of the bailout Fannie and Freddie don't technically get out from under their $200 billion debt since all those payments essentially are considered interest payments.)
Analysts say Watt is likely to have a different approach.
Policy analysts say that getting Watt confirmed was a key development for Democrats if they want a strong hand in crafting the future of the mortgage finance system. Watt's confirmation flips the leverage to favor Democrats instead of Republicans, the analysts say.
One example: DeMarco was starting to wind down Fannie and Freddie and tighten credit. Watt is expected to keep the money flowing more freely to the mortgage market. And that could give Democrats more time and leverage to push through reforms that they want.
Watt might also be more open to expanded initiatives to help homeowners who are struggling to make their mortgage payments.
That Defense Authorization Bill and also a bipartisan budget deal were not the only things Congress has been busy working on. You might remember the Democrats recently changed the rules on filibusters. Now the Senate can confirm presidential nominees with a simple majority, and this week they did that. Congressman Mel Watt is now confirmed to head the agency that controls Fannie Mae and Freddie Mac.
For people who watch the U.S. housing market, this is a very big deal. We've brought in NPR's economics correspondent Chris Arnold to talk more about it. Hey, Chris.
CHRIS ARNOLD, BYLINE: Hey, David.
GREENE: Chris, remind us if you can. Fannie and Freddie play a huge role in a lot of Americans' lives, especially Americans who are interested in owning a home. Remind us why they're so important.
ARNOLD: Right. Ninety percent of Americans who go to get a mortgage right now or to refinance, their application, their mortgage, it all flows through Fannie Mae and Freddie Mac. They guarantee mortgages. That's a crucial part of the process. So there's like this giant river of money flowing through Fannie and Freddie out into the country. That money gets used for home loans.
So whoever controls Fannie and Freddie, that's a very big deal.
GREENE: And we should remember, during the housing crisis the federal government takes them over, which really concentrated the power they have even more.
ARNOLD: Right. I mean, at least there were two companies before and they were run by CEOs. Now the CEOs are there but everything is controlled - and I think a lot of people don't realize this - by a single federal bureaucrat who sits in some little office in Washington. And the CEOs are sort of marionettes, you know, if you will, where any major decision they make has to be approved by this federal bureaucrat.
GREENE: All right. This federal bureaucrat is now going to be Congressman Mel Watt taking that job, heading something called the Federal Housing Finance Agency. What is that?
ARNOLD: Right. And don't worry if you don't know what that is but it's a very important agency because, well, like we said, it oversees all of this money moving through the economy.
GREENE: And who's had that job up until this point?
ARNOLD: A man named Edward DeMarco had that job. He is a controversial guy. He was a thorn in the side of the Obama administration. They wanted to use Fannie and Freddie post-bailout to help homeowners, basically. Said OK, look. Let's cut interest rates for people. That'll help them. They'll have more money to spend. That'll help the economy.
DeMarco said no. Republicans liked that because DeMarco wanted to save taxpayers money. He wanted to, you know, get all this - there was $200 billion that Fannie and Freddie had borrowed from the federal government. He wanted to get that paid back as a first priority. And he's actually done that. That money has been paid back.
GREENE: OK. So Republicans, you say, like DeMarco. He's getting the federal government a lot of their money back. Well, now that the Obama White House has their guy in this job, Mel Watt, how are things going to be different?
ARNOLD: Well, I talked to one person who is very close to the administration and people on the Hill. He's a deeply inside Washington policy guy in housing. He says this absolutely flips the leverage around, from favoring Republicans to favoring Democrats. And one good example of this is DeMarco was starting to wind down Fannie and Freddie and tighten credit, raise costs for homeowners.
He was putting them out of the mortgage business slowly. Mel Watt is not going to do that. There's going to be more time and less pressure on Democrats to compromise.
GREENE: All right, Chris. Thanks for coming by as always.
ARNOLD: Thanks, David.
GREENE: That's NPR economics correspondent Chris Arnold. Transcript provided by NPR, Copyright NPR.


text: The Exquisite `df' (xdf) is a souped-up version of df(1) rewritten from scratch and focused on flexibility of field selection and output format. It offers HTML and CSV outputs, besides the traditional text-based console output. It is fit for system administrators who are tired of post-processing df(1) output through shell or Perl scripts in order to avoid broken lines or to get a simple total/summary line.


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Much praise has been heaped on Windows 8 tablets for being a different experience than iOS and Android, but there is still no poster
child tablet to rally up consumers. New speculation suggests that Microsoft could unveil its very own flagship tablet to lead the Windows 8 charge next Monday.
The news comes from TheWrap:
The company has scheduled a secretive event for Monday at 3:30 p.m. June 18 in Los Angeles, where it will make a "major" announcement whose nature has not been disclosed. Even the venue has not yet been announced.
But an individual with knowledge of the company said that Microsoft would introduce a Microsoft-manufactured tablet at the event, marking a foray into a new hardware category that would put the company in direct competition with giant rival Apple.
Going against the iPad won't be an easy task. If Microsoft's learned anything from pitting its Zune against the iPod, it's that it's too late to take Apple head-on with a copycat product.
Now, what we're seeing with Xbox SmartGlass; that could be something to catch Apple off guard, as Microsoft already commands domination of the living room with the Xbox 360. Even if SmartGlass isn't device-specific — it will use your existing iOS, Android and Windows Phone smartphones and tablets — it has lots of potential. Microsoft could be prepping itself to reveal a living room tablet.
Another possibility according to ZDNet's Mary-Jo Foley is that Microsoft could show off a "reader" that'll challenge the Amazon Kindle Fire and not the iPad:
If such a "reader" were more akin to the Kindle Fire than to an iPad, a Los Angeles launch might make sense. Think this through. A Kindle Fire is an entertainment/consumption device. It is great for movie watching and music listening (hello, LA!) It also lets you read books (hello, Barnes & Noble). And remember: The settlement/contract between B&N and Microsoft mentioned Windows Phone. A lot. (In between all the redactions in that document.)
So if there's a Microsoft "reader" coming on Monday -and that's still a big if -- maybe it's meant to to be more of a Fire killer than an iPad competitor In other words, it's going to be a consumption-first device, not a creation one. What if that device is based on Windows Phone. And maybe even made for Microsoft by Nokia and private-labeled by Microsoft?
Or, you know, Microsoft could just announce something that'll totally put us all to sleep, like the fact that it's buying Yammer for $1.2 billion.
Via TheWrap


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McCready onstage with Pearl Jam. Photo by Karen Loria
Just to touch on Pearl Jam for a bit, I'm sure you've heard that Ten has just become only the 22nd album ever to sell more than 10 million copies. What does that mean to you?
Wow! It's almost unreal. I think back when we were doing that record and how it was such a long journey for me to get there. I've been playing in bands since I was 11 years old and that's all I ever did. So when I finally got the chance to do a major label record and to play with some guys who were all really good, I knew something was good there. I didn't know how good it was, but I knew everyone was firing on all cylinders and I just felt like, 'Yeah, we can go kick some ass.' Cut to a year later when that thing was selling a million records, I had no idea that that was ever going to come. I was just amazed to get a record deal and to quit the day job and not work as a prep cook anymore. So when I hear that we've sold 10 million records and it's only the 22nd time that that's ever happened, that's all cake. The fact that it's still selling and that people are buying it—I am just honored.
I know Pearl Jam is currently working on the new album. What you can say about it right now?
Well, we're gearing up to finish the second part of the record that we started about two years ago. We all decided to pull back a little bit after we had done about seven songs, which I think are going to be on the next record. I'm not really sure. It all depends upon how this next session goes. I have a feeling that we'll have something out this year. We are all very prolific in bringing in ideas and we're all in conversation and are starting to rehearse in about a month. I feel like we'll have something by this year. I don't know that everyone in the band feels that way, but I'm going to do my damndest to move it along if I can have any kind of say in it. I would really like to get it out this year because we would really like to do some touring and things like that.
I'm curious to know, when you guys are recording and are all bringing in new material, do you personally write fully fleshed out songs in your off time, or do you bring in ideas and all kind of all collaborate together?
It's all of those things. Specifically for myself, I will demo ideas in my studio and try to make them as good as possible and if Matt [Cameron] isn't around I will use a local drummer friend of mine to help me get an idea down. So I'll bring fully realized demos to the equation and then it all kind of changes from there because everybody kind of goes, 'Well why don't you take out this part or put this in here or move this over here or do half of that?' Stone [Gossard] and Jeff [Ament] are great editors so once you have your demo you bring it in and people scrutinize it and they either like it or they don't. If they do then I just go, 'Dude, if you have any ideas, just go for it.' I also want to be able to add to people's songs in the way that I do and I think I'm kind of the coloring on top of a lot of ideas and melodies at times. I feel like if Ed [Vedder] brings in a song, I want to be able to do a solo that's cool for it. He may not have any ideas for what that is yet until I do it right there on the spot. Sometimes Jeff will bring in a couple of riffs and we'll just jam on that. Matt will bring in parts of stuff. That being said, everyone brings in fully realized demos, too. It's like everything; we have a lot of stuff. We don't have any outside songwriters. [Laughs.]
With the new Mad Season reissue and the recent Pearl Jam Twenty documentary directed by Cameron Crowe as well as the reissue of Ten a few years back, it seems like you've been spending a lot of time looking back on your career and I'm wondering if that is something you especially care to do?
For myself, I like to look at things in a historical sense just to have some sort of feeling from it. It's twofold really, there's part of me that likes it and there's another part that goes, 'Well, we have to continue, let's keep moving forward.' The most exciting thing is to create new things, but to revisit the Mad Season record has been sad and exciting and important to me to kind of put this thing out in a coherent sense for people to get a feeling about it. There's an art in that itself. Out of that though came a bunch of new stuff that Barrett Martin and [Guns 'N' Roses bassist] Duff McKagan and myself did from that second unreleased Mad Season record. We pulled from those ideas and kind of tightened them up a little bit. We're now currently looking for singers for that project, which probably won't be called Mad Season—it will be called something else. We've just gotten some initial vocals from Jaz Coleman from Killing Joke, which sound really amazing. So we're hoping we can find some singers out there that would like to sing over this. There is a new element to the Mad Season thing is what I guess I am trying to say.
How did you get involved with Duff McKagan?
I've known him forever. He went to Roosevelt, the same high school that I went to, and he's a dear friend of mine. I always looked up to him as the cool punk rock kid that was around in Seattle, Washington. I was like a metal kid. He was definitely ahead of his time when he was around here in Seattle. He came down to my band Shadows' practice place the night before he moved down to L.A. and we were like, 'Dude, what are you doing?' I think he had a Gibson SG slung to his back, and he was like, 'I'm moving to L.A. to become a rock star.' We were just like, 'What?' Then the next year or maybe six months later they had that [Guns 'N' Roses] Live ?!*@ Like a Suicide album out and I was like 'He did it!' So Duff and I have now formed a little musical partnership and friendship with Barrett and we're doing a new project right now.
I saw that you also hit the stage with Soundgarden at the Paramount Theater in Seattle. What was that like?
Soundgarden was amazing. I'm a total Soundgarden fan so I hovered around them a lot. I think I became either very annoying or they were happy to see me, I don't know. I brought them pizzas one time at their practice right before that tour and Matt [Cameron] called me up and said, 'Hey, do you wanna come out and jam on the song 'Tighter and Tighter"?' Which is a song Stone and I had been talking to Matt about and saying, 'God, you gotta do that song. It's so killer.' So Matt said, 'Do you wanna come out and play on it?' I was like, 'Yes!' It was fun. I got to see Matt Cameron play with Soundgarden and he is a monster with them. He plays differently then he does with us so it was cool to see him from another point of view and kind of go, 'Oh my God! Jesus Christ that is some of the best drumming I've seen in my life.' It kind of felt like a coming home I guess. Like, oh yeah, we're all still doing stuff. It kind of reminded me of 20 years ago when we were just starting with Temple of the Dog. I love seeing those guys, even just around town.
Mad Season came about in such a dynamic moment in time from
Seattle—1994 was almost like the crest of a wave in that scene. What is
the legacy of Mad Season?
I hope the legacy of Mad Season is one of Layne Staley and Baker's memory. Showing where they were at all those years ago musically and lyrically from Layne's perspective. To know that we existed for a brief moment in time and there was a lot of triumph and a lot of tragedy as there is in life. I just hope people can listen to those and get a feeling from that.
Mike McCready's Gear
1959 Honeyburst Gibson Les Paul, 2008 Washed-Cherry Gibson 1960 VOS Les Paul, 2009 Sunburst Gibson 1960 VOS Les Paul, 1959 TV Yellow Gibson Les Paul Junior, 1957 Yellow Gibson Les Paul Special, 1959 Sunburst Fender Stratocaster, 1958 Sunburst Fender Stratocaster, 1956 Sunburst Fender Stratocaster (hardtail), 2012 black Fender David Gilmour NOS Stratocaster, 1953 refinished blonde Fender Telecaster, 2009 Gretsch 6129 Billy Zoom Tribute Silver Jet, 1958 orange Gretsch Tennessean 6119 Hollowbody with Bigsby, 2003 Pthalo-Blue Gibson Firebird with P-90s, 2012 transluscent-orange Mike Lull Custom Guitars FX with P-90s, 1997 Cherry Gibson EDS-1275 Double 12 6-string/12-string doubleneck)
Mike's primary dirty tone (each can be switched on independently or together): 65Amps Empire 22-watt head through a 65Amps 2x12 open-back speaker cab with Celestion G12H30 & Alnico Blue speakers, Satellite Atom 36-watt head through a Marshall 260-watt closed-back 4x12 with Celestion Vintage 30s.
Mike's primary clean tone (can be switched on independently or together with either of his two dirty amps): 1963 blonde Fender Bassman (AB165) through a Savage Audio open-back 2x12 cab
Amp switching done with a Radial JX44 Air Control in an off-stage rack.
Keeley-modded Ibanez TS9 Tube Screamer distortion, MXR/CAE MC-404 wah, Electro-Harmonix POG2 harmonizer, Line 6 DL4 delay, Line 6 MM4 modulation, MXR Phase 90, MXR/CAE MC-401 boost, Diamond Opto-Compressor, Way Huge Green Rhino Distortion, Xotic Effects AC Boost, 196x Ludwig 9000 Phase 2 synth, Billy Zoom Little Kahuna Reverb/Vibrato
All pedals (except Ludwig and Billy Zoom) are powered on his pedalboard by an MXR/CAE MC-403 Power Distributor.


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Bank On It
This story appears in the April 2000 issue of Business Start-Ups magazine. Subscribe »
Do you do banking business with a brick-and-mortar bank? If so, ask yourself these questions:
- How much time do you spend waiting in line to make a deposit with a teller who treats you like some suspicious character?
- How often do you find yourself educating your newest loan officer on the same business information when you go in to review your line of credit or accounts-receivable financing?
- How many of your precious dollars do you spend every month on bank fees for your business checking account?
If you shake your head wryly and answer "A lot' to one or more of these questions, the latest progeny of the computer age wants you. For years, traditional brick-and-mortar banks have touted their online business checking accounts as the best thing since sliced bread-faster, cheaper and easier to use. They were all of those things, and business owners everywhere logged on, bringing new efficiency to their financial operations.
Now the virtual bank-that is, the bank that exists exclusively, or nearly so, on the Web-promises to do all that and more for the business customer. And if you aren't among those lining up to take advantage of it, you probably will be soon.
To hear Michael Reardon tell it, virtual banking is the only way to go if you run a small business. Reardon, 33, and his partner, Scott Patten, 31, own the North East Brewing Co., a popular Boston microbrewery, restaurant and pub, and they do most of their banking business through a Boston start-up called OneCore.com, one of a rapidly growing number of virtual banks targeting consumers and small businesses.
Like its fledgling competitors, OneCore.com puts as much distance between itself and old-fashioned brick-and-mortar banking as it can; indeed, OneCore.com calls itself an "unbank" and doesn't hold a bank charter at all. Instead, as a unit of OneCore Securities Inc. of Bedford, Massachusetts, a registered broker, dealer and member of the SIPC and NASD, OneCore.com offers most traditional banking services, including money-market operating accounts, online bill payment services, payroll processing, credit-card services, and even 401(k) plan administration. All of which made signing up for OneCore.com's payroll services a no-brainer for Reardon.
"We had been using one of the big payroll services," Reardon says, "and I'm going to be conservative and say it was maybe 80 percent cheaper with OneCore.com. And this is the tip of the iceberg, because we expect them to have credit-line capability, and we've signed up for the bill-pay services, too. It used to take two people half a day to pay all our bills. Now, I can do it online in one hour."
Virtual banking is also paperless, or nearly so, and easy to use. Reardon has instant, 24-hour, secure Internet access to his business account, allowing him to manage cash flow with a degree of sophistication possible in the past only to big businesses running proprietary computer links to their banking institutions.
"I'll be able to log on to my account information from a boat off of Cape Cod when I go on vacation in the summertime,' Reardon says. "Any time, day or night, I can make sure cash flow is OK.'
Last but not least, virtual banking is cheap. The virtual best banks commonly charge very low fees, or none at all, for certain basic services, including automated bill paying and wire transfers. They also offer business customers ATM cards, credit cards and direct-deposit services. At present, they don't lend money over the Web as a rule, but that, too, will come with time.
Virtual Banking Benefits
Not New, But Improved
Online banking itself is nothing new; indeed, traditional brick-and-mortar banks began offering many online services in the early 1990s. What's different about the virtual bank is that, because it exists almost exclusively on the Internet, it enjoys a significant cost advantage that can be passed on to the customer.
How? Traditional banks build branch offices complete with elaborate vaults and security systems, and they employ tellers, managers and loan officers. Sure, banks don't typically pay tellers and managers big salaries, but customers still foot the bill for these costs as a variety of fees that quickly add up.
The virtual bank, in contrast, needs no brick-and-mortar branches, no secure vaults, no tellers and no managers, so it brings significant costs savings to the game. Indeed, according to Richard Parlontieri, chairman and CEO of Atlanta-based Ebank.com Inc., industry figures show that a typical transaction involving a teller costs a brick-and-mortar bank about $1 and a typical ATM transaction 25 to 30 cents. The cost of a typical Internet transaction? One cent, Parlontieri says.
Lest you think the information is a little less than objective, consulting firm Booz Allen & Hamilton offers similar numbers: $1.44 for a teller-assisted transaction and four cents for an online transaction.
If you think these numbers make brick-and-mortar bankers nervous, you're right-because the future of banking, like the future of any business, lies with the cost-effective. Traditional banks are responding to this hard fact by offering online banking for consumers and business owners; many operate subsidiary units as virtual banks, and as time passes, their number will grow.
As yet, only a handful of virtual banks exist, but their number, too, will grow, according to Paul Murphy, author of Banking Online for Dummies (IDG Books Worldwide). "Virtual banking is empowering, and it's absolutely the wave of the future,' Murphy says. "You know exactly how much money you have in your account, what checks you can write against it, and how much you can sweep into an interest-bearing account until you need it-for example, on payroll day.'
Murphy makes a distinction between virtual banks and the online services offered by most brick-and-mortar banks. Virtual banking is Web-based banking, Murphy notes. You connect through the Internet-a simpler process than dialing into your brick-and-mortar bank's online system using a modem and special software-and you get a real-time view of the activity in your account.
Virtual banking also allows you to reconcile your account automatically, he adds; with online banking, you commonly compare your own account data against your bank's and manually reconcile any differences, deposit by deposit, debit by debit. That takes time, Murphy notes, and can prove frustrating. Virtual banking, says Murphy, turns the ordinary business owner into a professional money manager capable of improving the company's bottom line.
"Web-based virtual banking works today, and it's robust,' Murphy says. "There are still some wrinkles to be ironed out with online banking.'
Latest On Lending
While virtual banking already offers many services to business customers, the fledgling industry has a way to go before it makes getting a business loan as easy as it already makes managing cash flow.
By and large, you still have to meet with a loan officer to get a loan from a brick-and-mortar bank, and although virtual banks dispense with tellers and managers, they have yet to get rid of the business loan officer. They also have yet to figure out how to market the business loan. As a consequence, most virtual banks don't offer business loans at all, and those that plan to offer them expect to do so in traditional ways, with loan officers working out of ordinary offices in business and industrial areas. Simply put, although many Internet lenders target consumers, virtual banks don't yet serve business borrowers.
That doesn't mean you can't get a business loan on the Internet, however. Richard Warman, who runs Warman & Co., a small commercial cleaning service and supply house, in San Bruno, California, can tell you that doing so is fast and easy.
Last summer, responding to a radio commercial, Warman visited the Web site of LoanWise and filled out a simple application for $25,000 in working capital. Warman employs half a dozen people, and, like many other business owners, he needs working capital to smooth out the peaks and valleys of his receivables.
"It was quick,' says Warman, 37. "I applied online in the morning, and I got e-mail approving the loan at 1:10 p.m. on the same day-pretty exciting. Ten days later, I had the funds.'
A working capital loan of $25,000 isn't much by the standards of many small businesses, but it was crucial to Warman. He was all the more surprised to get it because, having filed for bankruptcy in 1991, he struggled for years to re-establish his credit, and his brick-and-mortar bank wouldn't lend him a penny, even though the bankruptcy is now off his record.
"They didn't ask for tax records or financial statements,' Warman says. "They asked basic questions-my name, the name of the business, the address, and so on-and I guess they pulled a credit report. It was much easier than going through all the paperwork with a bank branch.'
Warman's experience notwithstanding, it remains true that Internet lenders, like their brick-and-mortar competitors, target consumers not business owners. "You can't get a business loan from us today,' says Jonathan Lack, executive vice president of marketing and strategic planning at Compubank, "but you probably will be able to within the next year. There was so much concern about security when we launched that we decided to focus on core services on the theory that as customers become more confident about virtual banking in general, they'd feel more confident about borrowing money over the Internet, too.'
On the issue of expansion, Parlontieri expects to transform EBank's lending activities from a network of offices in the Southeast to a nationwide system within five years-and he, too, sees a continuing need for face-to-face meetings between loan officers and business borrowers. "We know small business, and we're going to use the Internet to create value for the business owner,' he says. "We'll rent office space and staff it with ATMs and loan officers. But we won't make loans over the Internet.'
The bottom line: If you need to borrow for your business, you need a brick-and-mortar bank-at least for now.
Different Internet Banking Services
What's Ahead
According to Murphy, lending aside, virtual banks may offer many services valuable to small businesses-or they will soon. Murphy expects virtual banks to offer payroll services, employee benefits management, bill presentment and even tax-filing services at a reasonable cost in the near future, allowing business owners to manipulate a vast sea of financial information affecting the profitability of the enterprise.
"Virtual banking offers the business owner an exceptional opportunity to understand your exact financial position at any time,' he says. "That's really valuable.'
What Have You Done For Me Lately?
As yet, there are only a handful of virtual banks targeting business customers, among them Compubank and ebank.com Inc. Most large brick-and-mortar banks in the country offer online banking services to both consumers and businesses, as do many small and regional banks.
But virtual banking and online banking are not the same thing. And, according to Chris Musto, director of financial services for Lincoln, Massachusetts-based Gomez Advisors Inc., which maintains a useful Web site on e-commerce in its many guises, both are still evolving
"Small business tends not to get a great deal of value from online banking,' Musto says. For one thing, online banking requires that you dial into your bank using a modem and download your account information using software that must be compatible with the bank's.
Doing virtual banking over the Web, in contrast, connects the business to its bank through a Web browser, not a modem, eliminating the need for compatible software. The Web-based interaction, says Musto, allows the business to engage in a variety of sophisticated cash-management transactions.
Whatever form it takes, however, electronic banking can't do everything for the business customer, Musto adds. "With consumers, online bill payment means sending money to somebody,' he says. "With the business customer, it's one person's job to get all the payables together and another person's job to approve the payment, and one person may have an ATM card allowing deposits and another a card allowing withdrawals. The needs of small businesses are very distinct.'
In short, Musto adds, electronic banking is still finding new ways to meet the demands of the business customer. "But the Web opens up a new cost equation for business banking, and I think we'll see banks and nonbanks alike competing for the loyalty of the business customer on price and on the quality of the interaction. "
Juan Hovey writes a weekly column on business finance and insurance for The Los Angeles Times. He lives in Thousand Oaks, California.


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Oversized Fee Breakdown
Small Portable Outboards
$135 Oversized Fee
Freight Accessorial Charges
Tohatsu 2.5-3.5HP
Honda 2.3HP
Torqeedo Small Outboards
Large Portable Outboards
$150 Oversized Fee
Freight Accessorial Charges
Yamaha 8-20HP
Tohatsu 8-20HP
Honda 8-20HP
Torqeedo Large Outboards
Mid Range Outboards
$250 Oversized Fee
Freight Accessorial Charges
Includes: All outboards 25-70 HP
Extra Large Outboards
$350 Oversized Fee
Freight Accessorial Charges
Includes: All outboards larger than 75HP
Small Boxed Boats
$50 Oversized Fee
Includes Achilles: LT, LS-RU, LEX, LSI 230-330
Large Boxed Boats
$125 Oversized Fee
UPS classed item larger than 130" in girth
Achilles LSR, LSI360, SPD290, SPD310, FRB104
Zodiac Cadet Aero 310-350, Cadet Alum 270-310, Fastrollers
Inmar 270H-TS, 290H-TS, 320H-TS, 270-TS, 290-TS
Extra Large Boxed Boats
$150 Oversized Fee
Freight Accessorial Charges
Achilles SPD330, FRB124, SGX, SG, SU
Zodiac Cadet Alum 350, Classics, Futuras
Inmar 270H-TS, 290H-TS, 320H-TS, 270-TS, 290-TS
Open RIBs
$250 Oversized Fee
Freight Accessorial Charges
All Non-Console RIBs
Oversized Fee (AKA Large Package Surcharge)
Charged by UPS for items larger than 130" in girth or 96" in length.
Freight Fee
Charged by Freight Carriers for accessorial fees including liftgate, limited access, and more.
Dealer Engine Prep
Validates warranty. Includes filling oil, completing a full OEM checklist, test run in tank, drain fluids, quart/s of oil added to crate, recrating. Assures a working engine.
Pre-Delivery Inspection
Standard Fee for services performed & products used on each new vessel, requested by all manufacturers to validate and assist in all warranties.
We install a deep cycle marine battery, fully rig steering components, complete electrical and systems check. We conduct a full system check on the motor, fill with oil, fluids, and fuel, then test run in a test tank.
Once everything is tuned and prepared, a sea trial is performed with two Specialists to achieve ideal RPM-to-top-speed ratio, ensuring the boat gets on plane properly, and all systems operate on water.
Afterwards a full detail is performed on the tubes, deck, and hull to be turn-key ready for the customer.
CA DMV Registration
We will take care of your CA DMV registration for the vessel, which includes signing a Power of Attorney for the registration. We will email over a Power of Attorney to be signed and sent back. Once we have that, we mail out the temporary pink slip and stickers.
Yamaha Scratch & Dent Levels
Take advantage of cosmetically blemished outboards at large savings!
Level 1 - 20% Off:
Level 1 outboards typically have little to no damage. Usually it is just the shipping crate that is damaged. Never Mechanical. Motor sold w/ full manufacturer 3 year standard warranty.
Level 2 - 25% Off:
Level 2 outboards can have some damage, occasionally none. Damage can include cowling scrapes, scratches, and paint blemishes/imperfections. Cracks are rarely present on the exterior and if present are small in scale. Motor sold w/ full manufacturer 3 year standard warranty.
Level 3 - 30% Off:
Level 3 outboards almost always have some minor damage, however rarely mechanical. When mechanical damage present, it is always repaired by Yamaha factory trained technicians at no additional charge. Damage can include cracked/scraped cowlings and larger cosmetic blemishes or paint imperfections. Motor sold w/ full manufacturer 3 year standard warranty.
Achilles HB-300FX inflatable boat is the larger model of the FX series. When fully deflated, compactly folded and stored in its zippered carry bag, the RIB will be less than eight feet long and three and a half feet wide. Favorite applications include beach launching, fishing, people moving, ocean play, and more. Due to the rigid hull with hard chines, this boat will plane nicely with 2-3 persons and a ten horsepower outboard.
Boat Specifications
- Beam: 5'4"
- Weight: 91 lbs
- Capacity: 4 persons or 1,260 lbs
- Max Motor: 10 HP Short
- Rec Motor: 4-10 HP Short
- Tube Diameter: 18"
- Air Chambers: 3
- Fabric Type: Hypalon
- Factory Warranty: 5 Years
- Hull Dimensions: 7'9" x 3'5" x 1'1"
Standard Features
Achilles pearl grey hypalon reinforced fabric, modified "V" fiberglass hull, folding fiberglass transom, deluxe full length carry bag, full length rub strake, D-rings for towing bridle, stainless steel bow eye, inside bow davit lifting ring, bow and stern carry handles, grab handles, fold down locking oar system, interior oar straps (300FX only), gas tank tie down hardware, protective transom motor plate, removable wood seat, extra seat attachment patches (300FX only), bailer valve, foot pump, and maintenance kit


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A nationwide poll conducted by BlackRock leads to findings that illustrate the problem of insufficient savings for retirement.
The survey of 1,035 retired Americans and 1,002 American workers participating in defined contribution plans found that most workers are failing to save as much as they could for retirement. It also found that nearly six of 10 workers (58%) currently are not saving the maximum amount of money permitted by their 401(k) plan. At the same time, nearly three of 10 retirees (27%) agree they didn't save as much in their plan as they could have. What's more, nearly eight of 10 of them now regret it.
The poll also shows that "while the retirement savings gap remains a troubling reality, long-term participation in a DC plan, including a 401(k), can have a significant, positive impact on retirement savings effectiveness," according to the company.
"When it comes to saving for retirement, defined contribution plans are evidently making a difference—a difference that we believe is more and more vital as fewer workers are covered by traditional pensions," Chip Castille, managing director and head of BlackRock's U.S. and Canada Defined Contribution Group, said in a statement. "But clearly there is more work to be done in motivating workers to make the most of the savings potential of their DC benefit. Sufficient savings is the single most important factor in leading to a comfortable life in retirement."
It also finds that many of today's retirees are successfully meeting the financial challenges of life post-employment. Just over half (51%) of retirees are confident about having enough money to live comfortably in retirement, and about four in 10 say they are somewhat confident they can make ends meet in retirement.
But only one quarter (25%) of today's workers are confident about having enough money to live comfortably in retirement and only 14% are very confident that they are saving enough now to get the monthly income they want in retirement.
Importantly, about eight of 10 retirees polled report having pension income, but defined benefit plans cover just 53% of the workers polled.
When it comes to the retirement savings exercise, as well as planning for retirement generally, 92% of workers believe they have something to learn from the experiences of today's retirees.
Many retirees practiced good "planning behaviors" when working, but many did make some mistakes along the way, particularly in the area of saving.
Nearly one in three retirees say they didn't make a financial plan for saving for retirement early enough in their work life and, of those, about eight of 10 regret it (32% call it a major regret). In the crucial area of savings, workers preparing for retirement have clearly fallen behind the curve. The difference between what people have saved and what they need to save for retirement is estimated at $6.6 trillion.
Retirement savings behaviors need to be strengthened, yet the poll suggests that DC retirement plans are starting to fulfill much of their promise as critical savings vehicles. Nearly half of workers strongly agree that their plan provides an easy way to save; 46% strongly agree that their plan offers an incentive to save via the company match.
Long-term participation in a DC plan can have a significant impact on retirement savings, the BlackRock poll shows. Among retirees, those who spent more than 20 years in the DC system are more likely than those with less time (5-10 years) to say that they saved the amount of money permitted annually by their plan (79% vs. 62%).
"The positive impact that DC has on retirement saving builds over time," Castille said. "We need to get workers into the DC system as soon as possible and maintain their maximum participation throughout their working years."


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Eye For Film >> Search >> 'Solène Rigot'
Four incarnations of a character who is a mistress of reinvention.
A musician enters into an amour fou with a younger woman who is on the rebound.
Stay-At-Home Seven: July 13 to 19 Films to catch on streaming services and TV for the next seven days
Streaming spotlight: inventors in the movies Cinema's take on scientific creativeness
Morricone: 'The Mozart of film music' Memories of an encounter with the maestro, who has died at 91
Setting the pace Riyaana Hartley on Lella Lombardi, Beyond Driven and women in Formula One
Kelly Preston dies from breast cancer Twins star was 57
San Sebastian announces titles Plans going ahead for physical edition of the festival
We're bringing you all the latest from Sheffield DocFest and the Edinburgh International Film Festival online selection.
We're looking forward to the Fantasia International Film Festival.
We've recently been covering the Cheltenham International Film Festival, the Chattanooga Film Festival and the Tribeca Film Festival online selection.
Read our full archive for more.
Visit our festivals section.
More competitions coming soon.


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WASHINGTON (Reuters) - Treasury Secretary Timothy Geithner pushed Republicans on Sunday to offer specific ideas to cut the deficit, and predicted that they would agree to raise tax rates on the rich to obtain a year-end deal and avoid possible economic doom.
But the top U.S. Republican, Speaker of the U.S. House of Representatives John Boehner, stood firm and renewed his stand against increased tax rates, leaving talks at a stalemate.
"Here's the problem," Boehner told "Fox News Sunday" as both sides took their battle to TV talks shows. "When you go and increase rates, you make it more difficult for our economy to grow," he said.
Besides, Boehner said, if Republicans agreed to give President Barack Obama $1.6 trillion in new tax revenue, "He's going to spend it," not reduce the deficit.
Geithner, Obama's top negotiator, said in a separate appearance on Fox that Republicans must step up.
The treasury secretary said Republicans will be responsible if no deal is reached by the end of the month, triggering the "fiscal cliff," deep automatic spending cuts and across-the-board tax hikes that could plunge the country into a recession.
"There's not going to be an agreement without rates heading up," Geithner said on CNN's "State of the Union."
With polls showing most Americans favor raising tax rates on the wealthy and cracks starting to appear in what had been a solid wall of Republican opposition to such a move, the Obama administration figures it has the upper hand.
But Boehner made it clear that the fight has only begun and he is interested in cutting a deal, not sounding fiscal alarms. "I don't want any part of going over the cliff. I'm going to do everything I can to avert that," Boehner said.
He again refused to offer specific deficit reduction proposals, other than to repeat that one option would be to end a number of unspecified tax deductions.
"The president has seen a lot of options from us. There are a lot of them on the table and I'm hopeful that the conversation will continue," Boehner said.
Boehner also reaffirmed his party's opposition to Congress giving the president sole authority to increase the U.S. debt limit, a power both Democrats and Republicans value.
"Silliness. Congress is never going to give up this power," Boehner said, explaining it provides lawmakers needed leverage in dealing with the White House.
More talks are expected this week, at least at the staff level. But both sides have said it may be another week or so before negotiations get serious.
A likely scenario is a possible short-term fix that would postpone the deadline for the fiscal cliff for six months to a year. Geithner's opening offer last week included raising tax revenues by $1.6 trillion, at least $50 billion in new economic stimulus spending and effectively giving the president the ability to raise the debt limit.
Republicans promptly rejected the offer as unacceptable, even laughable.
Boehner said he was "flabbergasted" and recalled telling Geithner, "You can't be serious."
Also on Sunday, the top House Democrat, Nancy Pelosi, renewed her threat to force a vote on a Senate-passed plan to extend tax cuts for the middle class if Boehner does not schedule a vote "immediately."
"The clock is ticking and stalemates are a luxury we cannot afford," she said in a written statement.
If Congress does not act, the temporary tax cuts for all taxpayers enacted under former President George W. Bush will expire on December 31. Republicans want to extend those tax cuts for all taxpayers, while President Barack Obama and his fellow Democrats want the tax cut extended only for those with incomes under $250,000.
Republicans, who control the House but are the minority in the Senate, have expressed a willingness to raise revenues by such steps as limiting tax deductions, but most oppose increasing rates.
The combination tax hikes and spending cuts set to take hold early next year would suck about $600 billion out of the economy.
Additional reporting by Anna Yukhananov; Editing by Jackie Frank


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As the biggest event of its kind in the UK, the Homebuilding & Renovating Show is your exclusive opportunity to talk to self-builders, custom builders and renovators. Because everyone coming has a project in the pipeline.
Face-to-face contact matters.
78% of visitors are working on a live project. So it's important for them to be able to see and touch products – and meet the people behind them.
Over half of attendees have budgets of £50k+ – With some looking to spend up to £1million on their build or renovation.
Exhibition space comes with dedicated marketing support to help you maximise your time at the Show. Afterwards, our unique scanners give you valuable post-event data to follow up with.
More than 3/4 of attendees spend money with an exhibitor after one of the Homebuilding & Renovating Shows.
87% of past exhibitors plan to book space at a show again, based on the success of previous events. We've even increased the exhibition areas across the year by 20% to meet demand.


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Feb 5 (Reuters) - Massachusetts health regulators have ordered 11 compounding pharmacies to partially or completely halt operations and cited another 21 for minor violations, after unannounced inspections of 40 pharmacies across the state.
The wave of inspections follow a deadly U.S. meningitis outbreak stemming from a tainted steroid that was made by the New England Compounding Center in Framingham, Massachusetts. The 2012 outbreak led to 45 deaths, according to the U.S. Centers for Disease Control and Prevention.
The Massachusetts Department of Public Health (DPH) said pharmacies that were ordered to cease operations must submit a written plan of corrective action to the state's Board of Pharmacy. They must then implement the measures and pass re-inspection before being allowed to operate.
The DPH said eight of the 11 pharmacies have submitted corrective plans.
"While these results are troubling, this process has led to significant corrective measures and increased compliance among sterile compounders in Massachusetts," said DPH interim Commissioner Dr. Lauren Smith.
Last Friday, Republicans in the House of Representatives set a deadline for the U.S. Food and Drug Administration to produce documents related to the meningitis outbreak, saying the FDA has produced few documents and that those it has "raise new and troubling questions" about its oversight of NECC. (Reporting By Toni Clarke; Editing by Steve Orlofsky)


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Thursday, September 6, 2007
The Captain
Only 3 more days until my Fantastic Four deadline. I should have it all done by Monday. In the meantime, I thought I'd show another commission from Wizard World Philly. I heard a rumor today of who will "star" in the next Mythos.
Posted by Paolo Rivera at 5:08:00 PM
5 comments:
MYTHOS is my favourite book on the stands every time it comes out. I find that you are also fast becoming my favourite artist. Really great work every time you pick up the brush. I hope you get to do Mythos all the way up to some of those great 80's Marvel characters.ReplyDelete
Each mythos book is so much better than the last. I can't believe you're still improving artistically. Mythos Cap is going to be amazing.ReplyDelete
This Cap looks familiar! Oh yeah it's mine haha. Love this cap brother.ReplyDelete
I guess I never got around to commenting on this post. Thanks for the kind words, gentlemen!ReplyDelete
Subscribe to: Post Comments (Atom)


text:
- 123 Cambridge Street
- Burlington, MA
- 781-273-5922
- email@example.com
July 14 2020
Search Results
Search results for "small cell wireless"
Historical Society Hosting Author Rob Costa for Look at Burlington "Then and Now" in Photos
The Burlington Historical Society is inviting the public to come see a talk given by one of the men who literally wrote the history book on Burlington.
NWS Warns of 'Potentially Life Threatening' Wind Chill and Near Record Cold
Bundle up and make sure the pets are inside this weekend, it's going to get cold.
Developer To Discuss "Friendly 40B" Housing Project with Town Officials
A Boston-based developer with property in Burlington is going to enter into discussion with town officials about building a "Friendly 40B" apartment complex.
Burlington Grand Marshals Honored by Selectmen
Two long-time Burlington residents were honored during the Board of Selectmen meeting on Monday night.
Plans for Boutique Hotel at 3rd Ave. Discussed at Planning Board
Initial plans for a boutique hotel looking to move into 3rd Ave. were before the Planning Board recently and received some feedback from members.
Burlington Voters Go For Clinton; Trump, in Super Tuesday Primary
Super Tuesday is over, the votes are in, and the delegates are being awarded.
Selectmen Modify Alcohol Policy to Allow Theaters to Get Licenses
The Board of Selectmen voted to approve a language change in the town's alcohol policy that will open the door for alcohol sales in theaters.
School Department Proposing Over $1.1 Million in Capital Budget Projects
Town Meeting starts on Monday night in the Burlington High School auditorium.
Phone Scammers Targeting Medicare Recipients
The Federal Trade Commission is warning Medicare recipients about a handful of scams targeting them during open enrollment season.
Police Hold Press Conference on Two Car Break-In Arrests, Third Suspect
Burlington Police Detective Gary Redfern held a press conference after two men were arrested in connection to a rash of car break-ins on Thursday. He detailed how the suspects were located and showed the items that were stolen.


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- BandSteel Bracelet
- Case MaterialSteel
- ConditionBrand New
- MovementAutomatic
Seiko Prospex PADI Automatic Diver
Brand new and unused Seiko PADI. Seiko Watches have been supplying divers timepieces to both professional and recreational divers since 1965, earning a valued trust within the diving community. They have revealed some of the best innovations within the industry, including the first titanium divers watch in 1975 and the first Nitrox divers watch in 2000. A few months after the first Seiko divers watch was released, two American dive enthusiasts founded the Professional Association of Diving Instructors, an organisation that ensures the safely and enjoyment of divers while protecting the treasured marine environment. With a shared passion for these values, Seiko have released this Seiko Prospex PADI Automatic Diver Special Edition watch.
The Seiko Prospex PADI Automatic Diver Special Edition watch with its stainless steel case and easy to read dial is reminiscent of the very first Seiko divers watch, except the wide clear hands and indexes and distinctive red and blue PADI detailing make it a completely unique timepiece. Within the case, the calibre 4R36 mechanical movement works hard to promise a power reserve of 41 hours and an impressive water resistance of 200 metres. The watch is completed by a matching stainless steel bracelet with a threefold clasp and secure lock for easy wear and exceptional security.
Automatic Diver's: SRPA21
• Caliber 4R36
• Vibrations: 21,600 vibrations per hour (6 beats per second)
• Power reserve: approximately 41 hours
• Jewels: 24 jewels
• Stainless steel case
• Screw case back
• Screw-down crown
• Hardlex crystal
• Diameter: 45.00mm, Thickness: 13.4mm
• Water resistance: 200m
• Magnetic resistance: 4,800 A/m
• Stainless steel bracelet with three-fold clasp with secure lock, push button release with extender


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Featured News - Current News - Archived News - News Categories
2-time Pro Bowl defensive end unveils cereal for a good cause
Buffalo Bills defensive end Mario Williams has introduced his very own cereal just in time for the new NFL season. The cereal is called "MariO's" and is available exclusively at Western New York-area Tops stores.
The cereal is a partnership between Tops, Williams and PLB Sports.
"MariO's" is a honey-nut toasted oats cereal packaged in a 14-ounce collector's box featuring the newest member of the Buffalo Bills defensive line. The cereal is available exclusively at Western New York Tops stores and online at www.plbsports.com. "MariO's" is the latest athlete endorsed product from PLB Sports, which has created products for some of Buffalo's most famous athletes, including Ryan Miller, Terrell Owens, Michael Peca and Doug Flutie.
"We are thrilled to be able to partner with Mario and PLB Sports to have MariO's on store shelves exclusively at Tops," said Frank Curci, CEO of Tops Markets. "Mario signing with the Buffalo Bills has been a popular move locally and we expect fans in Western New York will be eager to have a box of MariO's on their breakfast table."
Williams will donate 100 percent of his proceeds from the sale of the cereal to benefit the pediatric cancer patients and their families through Carly's Club at Roswell Park Cancer Institute. Carly's Club (www.CarlysClub.org) helps kids and families facing a cancer diagnosis through fun activities, outings and opportunities to meet other families in the same situation. These emotional and social support programs play a key role in a young patient's ability to battle cancer.
The launch of MariO's coincides with September's National Childhood Cancer Awareness Month, giving local Bills fans an easy and fun way to do their part to support children with cancer. The cereal box side panel features the story of Lucas, an 8-year-old pediatric cancer patient and Carly's Club member from Akron, who shares why Carly's Club is important for children and families facing cancer.
MariO's is now available for a limited time.
Tops Friendly Markets is proud to be the official supermarket of the Buffalo Bills for the 2012-13 season.


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