Sunday, March 3, 2013

Home equity loans: Tax-deductible process | Finance World

The home owners in United Kingdom can access sufficient funds for the completion of multiple needs and desires. This procedure is called home equity loans and can be utilize for the execution of larger and smaller purchases and investments including buying new second home, purchasing luxurious car, home renovation, paying off credit card debt, emergency medical bills, vacations, home repairs, office inauguration or just anything else you require. The home-owners can easily acquire home equity loans from various branded and reputed financial institutions and banks.

Mainly, home equity loans can be accessed in two norms namely a home equity loan and a home equity line of credit. The home equity loans offer hefty cash for the huge expenses. In contrast, a home equity line of credit or HELOC works like a credit card. The borrowers can easily withdraw the money from it. The desired credit is received through checks or a credit card gives by the lender.

The home equity loans offer amount ranges up to 75,000 for the prescribed period of 5 to 25 years. The rate of interest is totally based on the credit history and repayment capability of the borrowers. It is quite important to repay the loan installments on the given time otherwise the lenders have the right to grab their property or valuable home.

The home equity loans provide numerous benefits to the borrowers. Some of them are:-

* The availed interest from the borrowed cash is completely tax-deductible. Like this, plentiful amount is saved by this process and homeowners can accumulate money for a longer period.

* Mainly, home equity loans are used for the execution of multiple longer needs and desires such purchasing a new second home, getting rid off from some debts, buying n new luxurious car and so on.

* These loans facilitate the homeowners with flexible repayment duration and lower interest rate.

* Since, the availing process of home equity loans is quite easy and effort-less.

* No collateral except home is accepted for the desired loan approval.

* For accessing home equity loans quickly, the online mode is considered the best suited option. Under this process, the borrowers can apply for loan from their home or office.

Lastly, a home equity loan is not a loan only but a more advantageous way of getting the value of your home for purchasing those more expensive items. Under this loan category, the homeowners enjoy the benefits of lower interest rate as compared to the higher standard credit card payments.


About the Author: Sherry Joy is financial advisor of Payday Loans No Credit Check.For more information about payday loans without credit check,Payday loan australia visit http://www.paydayloansnocreditcheck.co.uk

Source: http://www.iire.info/2013/03/Home-equity-loans-Tax-deductible-process/

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Holograms, ?Minority Report? Gestures And Other Ways Your Meetings Will Change By 2018

hologram-boardroom3Editor's note:?Jeff Cavins is the CEO of visual collaboration company FuzeBox. I probably won?t ruffle too many feathers when I say very few people love meetings. As much as we?d like to think otherwise, meetings just don?t elicit the same emotions as, say, space flight.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/56QLlKiJp3s/

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Saturday, March 2, 2013

'Defective' virus surprisingly plays major role in spread of disease

Feb. 28, 2013 ? Defective viruses, thought for decades to be essentially garbage unrelated to the transmission of normal viruses, now appear able to play an important role in the spread of disease, new research by UCLA life scientists indicates.

Defective viruses have genetic mutations or deletions that eliminate their essential viral functions. They have been observed for many human pathogens and are generated frequently for viruses that have high mutation rates. However, for some 40 years, it was believed that they were unimportant in natural settings.

In findings published Feb. 28 in the journal PLoS Pathogens, UCLA scientists and their colleagues report for the first time a significant link between a defective virus and an increased rate of transmission of a major disease.

"The idea has always been that defective viruses are either meaningless or detrimental," said James O. Lloyd-Smith, a UCLA assistant professor of ecology and evolutionary biology and the senior author of the research. "We have found the opposite of that -- that the defective virus is actually helping the normal, functional virus. This finding is bizarre and hard to believe, but the data are the data."

"We have shown that the defective virus not only transmits with the virus but increases the transmission of the functional virus," said Ruian Ke, a UCLA postdoctoral scholar in the department of ecology and evolutionary biology and the lead author of the study.

Defective viruses cannot complete their life cycle on their own, but if they're able to get into the same cell with a non-defective virus, they can "hitchhike" with the normal virus and propagate, Lloyd-Smith said. Biologists had thought that defective viruses interfered with normal versions of the virus, "clogging up the gears of viral replication," he said.

The life scientists studied DENV-1, one of four known types of the dengue virus that infect humans. Dengue viruses are transmitted by several species of mosquitoes and cause dengue fever, which is characterized by fever, joint pain and a skin rash similar to measles. Dengue hemorrhagic fever, a more severe form of dengue infection, can cause death. The dengue virus infects between 50 million and 100 million people each year in Southeast Asia, South America, parts of the United States and elsewhere.

The life sciences team -- which also included John Aaskov, a virologist and professor of health at Australia's Queensland University of Technology in Brisbane, and Edward Holmes, a professor of biological sciences at Australia's University of Sydney -- found that the presence of a defective DENV-1 virus may have led to large increases in dengue fever cases in Myanmar in 2001 and 2002, when that country experienced its most severe dengue epidemics on record.

The scientists describe when and how the defective "lineage," or series of very closely related defective DENV-1 viruses, emerged and was transmitted between humans and mosquitoes in Myanmar, as well as what the public health implications are.

For the study, Ke designed a mathematical model to analyze the data to learn how the defective DENV-1 virus interacted with the normal virus. Aaskov and Holmes collected genetic sequences from from 15 people in Myanmar sampled over an 18-month period, all of whom were infected with the DENV-1 virus and nine of whom were also infected with the defective version.

Ke discovered that the lineage of defective viruses emerged between June 1998 and February 2001 and that it was spreading in the population until at least 2002. (The following year, the lineage appeared on the South Pacific island of New Caledonia, carried there by either a mosquito or a person.) The scientists analyzed the genetic sequences of both the defective and normal dengue viruses to estimate how long the defective virus had been transmitting in the human population.

"We can see from the gene sequence of the defective version that it is the same lineage and is a continued propagation of the virus," said Lloyd-Smith, who holds UCLA's De Logi Chair in Biological Sciences. "From 2001 to 2002, it went from being quite rare to being in all nine people we sampled that year; everybody sampled who was getting dengue fever was getting the defective version along with the functional virus. It rose from being rare to being very common in just one year."

Most surprisingly, Lloyd-Smith said, the combination of the defective virus with the normal virus was "more fit" than the normal dengue virus alone.

"What we have shown is that this defective virus, which everyone had thought was useless or even detrimental to the fitness of the functional virus, actually appears to have made it better able to spread," he said. "Ruian [Ke] calculated that the defective virus makes it at least 10 percent more transmissible, which is a lot. It was spreading better with its weird, defective cousin tagging along than on its own.

"This study has shown that the functional virus and defective virus travel in unison. The two transmit together in an unbroken chain, and that's not just a matter of getting into the same human or the same mosquito -- they need to get into the same cell inside that human or mosquito in order to share their genes and for the defective version to continue 'hitchhiking.' We are gaining insights into the cellular-level biology of how dengue is infecting hosts. It must be the case that frequently there are multiple infections of single cells.

"Ruian showed the defective virus appeared one to three years before these major epidemics," Lloyd-Smith added. "One could imagine that if you build an understanding of this mechanism, you could measure it, see it coming and potentially get ahead of it."

Might defective viruses play a role in the transmission of influenza, measles and other diseases?

"There are a few signs that this phenomenon may be happening for other viruses," Lloyd-Smith said. "We may be cracking open the book on the possible interactions between the normal, functional viruses and the defective ones that people thought were just dead-ends. These supposedly meaningless viruses may be having a positive impact -- positive for the virus, not for us. There is great variation, year to year, in how large dengue epidemics are in various locations, and we don't understand why. This is a possible mechanism for why there are large epidemics in some years in some places. We need to keep studying this question."

The research points to implications for how mutations might allow a new non-human virus to become a human virus.

"Different strains of a virus with different genetic properties may be interacting more frequently than we thought," said Lloyd-Smith, who studies how ecology, evolution and epidemiology merge to drive the emergence of new pathogens, including new strains with important properties like drug resistance.

Why would a defective virus increase transmission of a disease?

Lloyd-Smith offers two hypotheses. One is that the presence of the defective virus with the functional virus in the same cell makes the functional virus replicate better within the cell by some unknown mechanism. "It might give the virus a bit of flexibility in how it expresses its genes and may make it a bit more fit, a bit better able to reproduce under some circumstances," he said.

A second idea is that the defective virus may be interfering with the disease-causing virus, making the disease less intense; people then have a milder infection, and because they don't feel as sick, they are more likely to go out and spread the disease.

"Normally, biologists test for how well a virus can replicate in a cell, but what we have shown here is even a genotype that cannot replicate in a cell can have an impact on transmission," Ke said.

In conducting the research, Lloyd-Smith and Ke combined genetic sequence analysis with sophisticated mathematical models and bioinformatics.

Genetic sequencing technology has "exploded," Lloyd-Smith said, providing a wealth of data on genetic sequences of pathogens and the evolution of viruses, leading to major new insights into the transmission of viruses.

"We were able to show that this defective virus transmitted in an unbroken chain across this population for a year-and-a-half," Lloyd-Smith said. "Without gene sequencing, we would not have been able to establish that."

The research was federally funded by the National Science Foundation.

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Story Source:

The above story is reprinted from materials provided by University of California - Los Angeles. The original article was written by Stuart Wolpert.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Ruian Ke, John Aaskov, Edward C. Holmes, James O. Lloyd-Smith. Phylodynamic Analysis of the Emergence and Epidemiological Impact of Transmissible Defective Dengue Viruses. PLoS Pathogens, 2013; 9 (2): e1003193 DOI: 10.1371/journal.ppat.1003193

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/8434IMLqMWM/130301123310.htm

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Friday, March 1, 2013

Atoms with quantum-memory

Feb. 28, 2013 ? Order tends towards disorder. This is also true for quantum states. Measurements at the Vienna University of Technology show that in quantum mechanics this transition can be quite different from what we experience in our daily lives.

Ice cubes in a cocktail glass melt until an equilibrium state is reached in which the ice cubes are gone. After that, the geometric shape of the ice cubes is completely lost. The liquid does not contain any memory of their shape, the ordered ice crystal has turned into disordered water molecules. Ultra cold Bose-Einstein condensates behave differently; these highly ordered clouds of ultra cold particles also approach a disordered equilibrium state, but they retain some "memory" about their initial state for a remarkably long time. This phenomenon does not depend on the temperature, it seems to be a stable, fundamental property of quantum physics.

Stopover on the Way to Chaos

In 2012, the research group around Professor J?rg Schmiedmayer at the Vienna Center for Quantum Science and Technology (VCQ), Vienna University of Technology, were able to show that they have found an intermediate state between order and disorder; the atoms of an ultra cold Bose-Einstein condensate tend towards an equilibrium state, in which their quantum physical properties are not visible any more.

This, however, does not happen continuously like the transition from an ice cube to liquid water. Instead, there is an intermediate step called "prethermalized state," in which the atoms remain for a surprisingly long time without forgetting about their quantum mechanical origin. "If we split the atom cloud into two parts and recombine them after some time, a wave pattern forms," J?rg Schmiedmayer explains. "That is proof that the atom clouds still contain information about having emerged from a highly ordered quantum physical state."

Intermediate State Independent of Temperature

Now the scientists have managed to take a closer look at this transition -- and it turns out to be remarkably stable with respect to external conditions. From experience, we are used to the opposite case: "Imagine a room full of air, and a vacuum in the room next to it," says Max Kuhnert (Vienna University of Technology). "When we open a door between those rooms, the system approaches an equilibrium, until the molecules are evenly distributed in the two rooms. This transition, however, strongly depends on external parameters such as pressure and temperature." The higher the pressure and the temperature, the faster information about the initial state is lost -- be it information about the initial distribution of air molecules or about the geometry of melting ice cubes.

"The prethermalized state of our atom clouds is reached quite independently from pressure and temperature," says Max Kuhnert. The experiments, which have now been published in Physical Review Letters, show that this state is characterized by a new length scale. This so-called correlation length is a direct measure of the quantum memory of the ordered initial state. It is the length scale on which the quantum physical properties of the atom clouds can still be perceived.

"This emergent correlation length is defined by the density of the initial quantum gas, but it only becomes visible in the dynamics of the transition from an ordered state into the prethermalized state" says J?rg Schmiedmayer. "The fact that this correlation length does not depend on the initial temperature at all strongly indicates that the prethermalized state is a fundamental property of quantum physics and has major significance," Max Kuhnert believes. A deeper understanding of this quantum state is expected not only to explain ultra cold Bose-Einstein condensates, it may also shed some light on the processes in the early universe, or it could help to understand phenomena in the quark-gluon-plasma created in high energy particle accelerators.

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Story Source:

The above story is reprinted from materials provided by Vienna University of Technology, TU Vienna.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Maximilian Kuhnert, Remi Geiger, Tim Langen, Michael Gring, Bernhard Rauer, Takuya Kitagawa, Eugene Demler, David Adu Smith, J?rg Schmiedmayer. Multimode dynamics and emergence of a characteristic length-scale in a one-dimensional quantum system. Submitted to Arxiv, 2013 [link]

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/strange_science/~3/NC_WHASR82M/130228080242.htm

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Rats With Linked Brains Work Together

Scientists have engineered something close to a mind meld in a pair of lab rats, linking the animals' brains electronically so that they could work together to solve a puzzle. And this brain-to-brain connection stayed strong even when the rats were 2,000 miles apart.

The experiments were undertaken by Duke neurobiologist Miguel Nicolelis, who is best known for his work in making mind-controlled prosthetics.

"Our previous studies with brain-machine interfaces had convinced us that the brain was much more plastic than we had thought," Nicolelis explained. "In those experiments, the brain was able to adapt easily to accept input from devices outside the body and even learn how to process invisible infrared light generated by an artificial sensor. So, the question we asked was, if the brain could assimilate signals from artificial sensors, could it also assimilate information input from sensors from a different body?"

For the new experiments, Nicolelis and his colleagues trained pairs of rats to press a certain lever when a light went on in their cage. If they hit the right lever, they got a sip of water as a reward.

When one rat in the pair called the "encoder" performed this task, the pattern of its brain activity ? something like a snapshot of its thought process ? was translated into an electronic signal sent to the brain of its partner rat, the "decoder," in a separate enclosure. The light did not go off in the decoder's cage, so this animal had to crack the message from the encoder to know which lever to press to get the reward.

The decoder pressed the right lever 70 percent of the time, the researchers said.

The near mind merger was achieved with microelectrodes implanted in the part of the animals' cortex that processes motor information. And the brain-to-brain interface, which Nicolelis describes as an "organic computer," worked both ways: If the decoder chose the wrong lever, the encoder rat didn't get a full reward, which encouraged the two to work together. [Video - Watch the Brainy Rats Work Together]

"We saw that when the decoder rat committed an error, the encoder basically changed both its brain function and behavior to make it easier for its partner to get it right," Nicolelis explained in a statement. "The encoder improved the signal-to-noise ratio of its brain activity that represented the decision, so the signal became cleaner and easier to detect. And it made a quicker, cleaner decision to choose the correct lever to press. Invariably, when the encoder made those adaptations, the decoder got the right decision more often, so they both got a better reward."

The connection was not lost even when the signals were sent over the Internet and the rats placed on two different continents, 2,000 miles (3,219 kilometers) apart. The researchers say the results held true when the decoder rat was in a Duke lab in North Carolina and the encoder was with Nicolelis' colleagues at in Brazil, at the Edmond and Lily Safra International Institute of Neuroscience of Natal (ELS-IINN).

The researchers are working on experiments to link the minds of more than two animals (this is something Nicolelis calls a "brain-net") to see if they could solve more complex problems cooperatively.

"We cannot even predict what kinds of emergent properties would appear when animals begin interacting as part of a brain-net," Nicolelis said. "In theory, you could imagine that a combination of brains could provide solutions that individual brains cannot achieve by themselves."

The research was detailed today (Feb. 28) in the journal Nature Scientific Reports.

Follow LiveScience on Twitter @livescience. We're also on Facebook?& Google+.

Copyright 2013 LiveScience, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://news.yahoo.com/rats-linked-brains-together-191158308.html

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Hey Liberals?How Come No Wealth Tax? (Powerlineblog)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/288154358?client_source=feed&format=rss

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RBC Poll Shows Internet Remains Uncharted Territory For ...

rbcAccording to a recent RBC small business survey, only 46 per cent of Canadian small businesses have a dedicated website, and less than half (48 per cent) of those businesses say they sell their products and services through their websites. In fact, 56 per cent of the entrepreneurs in the survey rate finding and keeping clients as one of the top business challenges that they will face over the next year, yet only 41 per cent of those surveyed promote their business using a dedicated website.

?With the majority of consumers choosing to research and shop for products and services online, businesses without a web presence are missing a significant opportunity,? says Jim Mulligan, national director, Retail, RBC Royal Bank. ?Businesses need to be visible where consumers choose to be, so investing in an online strategy is fundamental to attract new customers and stay competitive.?

According to Statistics Canada, more than 80 per cent of the Canadian population is online; and a report by the Boston Consulting Group predicts that Canada?s Internet economy will grow 7.4 per cent annually through 2016. Although this represents a significant opportunity for small businesses, twenty per cent of entrepreneurs admit that keeping up to date with technology is among their top challenges.

?It is always challenging for small merchants to stay abreast of new technologies and to find the capital to grow their independent businesses,? said Diane J. Brisebois, president and CEO of Retail Council of Canada, adding that RBC in collaboration with Retail Council are investing in tools and resources to assist small merchants in capitalizing on the benefits of an online presence.

?Small merchant online and social media strategies can result in market growth and greater profitability,? noted Brisebois.

When it comes to social media, only 39 per cent of entrepreneurs surveyed say that they use social media to promote their business.

Mulligan adds that engaging in social media offers many positive benefits for entrepreneurs, citing the following examples:

  • Improved market awareness;
  • More lead generation opportunities;
  • Increased relationship building opportunities with existing customers and prospects;
  • Better reputation monitoring; and
  • Additional traffic to existing web sites.

The RBC survey also found that four-in-10 (38 per cent) businesses that sell via their company website generate over 25 per cent of their revenue through their online sales, with two-in-10 (22 per cent) generating more than 50 per cent of their revenue this way.

Source: http://www.villagegamer.net/2013/02/27/rbc-poll-shows-internet-remains-uncharted-territory-for-canadian-businesses/

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