Posted on 16 December 2012 by trainharder
According to the Universal Medical ID website ? anyone with the following ailments should definitely be wearing a Medical Alert ID:
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Source: http://www.trainharder.com/2012/12/16/trainharders-best-christmas-gifts-4-medical-id/
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Nowadays, condos are selling like hotcakes in the market. Many people are taking advantage of buying a unit because of the practicability and accessibility. Others consider condos to be typically less expensive than similar single family homes in the market. They can either choose one or two bedroom varieties and this type of property can be easily evaluated and can be a great investment. People choose to live in a condo for a variety of reasons. The reason why it?s getting more popular these days because the comfort of living in a condo is far from owning a single family home in town. Location and time are considered by some of city goers and working people.
Here are some simple things you can do when you are looking for the right condo in the market.
Consider the location. When you are searching for the best condo in town, it is always a good start to know where it is really located. If your office of work is near your condo then that would be better because it allows you to save time and walking distance.
Know the different access to certain commercial buildings, offices, and major roads. As far as location is concerned, one thing that you could do when looking for a condo is to know the major roads for access at any time of the day. There should be a commercial building or any establishment that you can rely on whenever you need to buy something.
Your condo unit should have a good security. Remember that you will be having different neighbors for a certain area in the building. Make sure that the building has a security guard or special security features that you can count on and safety first.
Maintenance fee should be reasonable. When you are living in a condo, one advantage is that you will not be obliged to clean the hallways and other areas such as parking lot or the railing on the property since you will be paying for the maintenance fee. Just make sure it is cheaper and reasonable by any means.
The amenities should be available always. Would it be great if the building has a pool, a workout room and a clubhouse? Yes! When you pay for maintenance fee, you can use the amenities available? for a certain building. There will be no extra charges since you pay the maintenance fee and it is just part of living in a condo with luxury.
Know if the price is right. As you examine the unit, the features of the room should be reasonable enough for you to pay for it. Check if all the facilities are functioning properly. Ask for the details.
If you think these things satisfy your need then you can always buy a condo at the end of the day.
Click to search for properties in http://www.ourutahhomes.com/fine/real/estate/newsearch/lndgname/slccondos
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Tags: condos
Source: http://saltlake.countyutahrealestate.com/2012/12/easy-things-that-you-can-do-before-buying-a-condo/
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4 hrs.
Swiss bank UBS faces a combined fine of about $1 billion to settle charges of rigging the Libor interest rate benchmark early next week, a person familiar with the situation said on Thursday.
Such a penalty would be more than double the $450 million fine levied on British bank Barclays?in June by U.S. and British regulators and would be the third massive U.S. fine to hit big European banks this week.
"The global settlement is about $1 billion. It's expected early next week, on Monday or Tuesday," the source said. UBS declined to comment.
UBS declined to comment. Britain's Financial Services Authority and the U.S. Department of Justice and the Commodity Futures Trading Commission (CFTC) all declined to comment.?
Too big to fail means too big for jail
Barclays was the first - and so far only - bank to settle charges of rigging the London interbank offered rate, known as Libor, a benchmark used for trillions of dollars worth of loans around the world. Tiny shifts in the rate, compiled from daily polls of bankers, could benefit dealers in complex products.
The fallout from the scandal forced Barclays' chairman and chief executive to quit and prompted a political and public backlash against standards in banking across Europe and the United States. That was partly due to details in the Barclays settlement showing how traders brazenly gamed the system.
Libor is used to price financial products worth more than$300 trillion worldwide and regulators across the world are investigating more than a dozen banks for alleged rigging of rates going back to 2005 or even earlier.
This week British police and anti-fraud officers made the first arrests in connection to the probe, detaining a former trader and two other men,sources said.
One of those arrested was former UBS and Citigroup trader Thomas Hayes, according to a source familiar with the situation. The two others worked at inter-dealer broker RP Martin, according to a separate source.
The fine will mark another blow to UBS, which has had atough 18 months after suffering a $2.3-billion loss in a rogue trading scandal,management upheaval and thousands of job cuts.
"I'm not sure how much more reputational damage can bedone to UBS," said Chris Wheeler, analyst at Mediobanca in London."They are rebuilding that slowly, but it won't help the wealth management businesswhen you see this as a headline."
Banks are keen to put such fines behind them as they attemptto rebuild credibility among politicians, the general public and investors followingthe financial crisis which forced taxpayers to bail out companies which hadgambled themselves into trouble.
After months of criticism about poor standards and a cultureof immorality, incompetence or both across the banking industry, banks' profitsand capital are also taking heavy hits and more fines for past malpracticeappear likely.
"The trend is this is now an ongoing cost of doingbusiness," said Wheeler at Mediobanca. "It looks like it's going tobe a drain on the banks for some time."
HSBC on Tuesday reached a $1.92 billion settlement with U.S.authorities over money laundering, the highest ever fine on a bank, a day after another London-based bank, Standard Chartered, agreed to pay $327 million for violating U.S. sanctions against Iran, Sudan and other states, adding to an earlier $340 million for similar breaches of regulations.
Deutsche Bank, Germany's flagship lender, was raided on Wednesday by about 500 German tax inspectors and police, who arrested five staff in a probe linked to a tax scam involving the trading of carbon permits.
Britain's Royal Bank of Scotland is also expected to reach a settlement on Libor manipulation shortly.
Investigators are assessing whether banks used responses to the daily survey of the rates they would offer to other banks to try to nudge Libor,perhaps by only a few hundredths of a percentage point. Such a move could still benefit their own trades in bonds or more complex deals linked to that rate.
Banks found guilty also face civil lawsuits from those they traded with. Some borrowers complain they paid more interest than they should have,although others may have paid less.
Reuters' parent company Thomson Reuters collects information from banks and uses it to calculate Libor rates according to specifications drawn up by the British Bankers Association.
Source: http://www.nbcnews.com/business/ubs-may-face-1-billion-fine-rate-rigging-case-1C7596678
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Dec. 14, 2012 ? University of Colorado Boulder Assistant Professor Nikolaus Correll likes to think in multiples. If one robot can accomplish a singular task, think how much more could be accomplished if you had hundreds of them.
Correll and his computer science research team, including research associate Dustin Reishus and professional research assistant Nick Farrow, have developed a basic robotic building block, which he hopes to reproduce in large quantities to develop increasingly complex systems.
Recently the team created a swarm of 20 robots, each the size of a Ping Pong ball, which they call "droplets." When the droplets swarm together, Correll said, they form a "liquid that thinks."
To accelerate the pace of innovation, he has created a lab where students can explore and develop new applications of robotics with basic, inexpensive tools.
Similar to the fictional "nanomorphs" depicted in the "Terminator" films, large swarms of intelligent robotic devices could be used for a range of tasks. Swarms of robots could be unleashed to contain an oil spill or to self-assemble into a piece of hardware after being launched separately into space, Correll said.
Correll plans to use the droplets to demonstrate self-assembly and swarm-intelligent behaviors such as pattern recognition, sensor-based motion and adaptive shape change. These behaviors could then be transferred to large swarms for water- or air-based tasks.
Correll hopes to create a design methodology for aggregating the droplets into more complex behaviors such as assembling parts of a large space telescope or an aircraft.
In the fall, Correll received the National Science Foundation's Faculty Early Career Development award known as "CAREER." In addition, he has received support from NSF's Early Concept Grants for Exploratory Research program, as well as NASA and the U.S. Air Force.
He also is continuing work on robotic garden technology he developed at the Massachusetts Institute of Technology in 2009. Correll has been working with Joseph Tanner in CU-Boulder's aerospace engineering sciences department to further develop the technology, involving autonomous sensors and robots that can tend gardens, in conjunction with a model of a long-term space habitat being built by students.
Correll says there is virtually no limit to what might be created through distributed intelligence systems.
"Every living organism is made from a swarm of collaborating cells," he said. "Perhaps some day, our swarms will colonize space where they will assemble habitats and lush gardens for future space explorers."
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Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/~3/bBQP7_qMkkk/121214143027.htm
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BEIRUT (AP) ? Syria's state news agency says a bomb blast near the capital, Damascus, has killed 16 people. It says at least half of those killed are women and children.
The SANA news agency says a car packed with explosives blew up on Thursday near a school in a residential part of the southwestern suburb of Qatana.
The report quotes medics from a nearby hospital as saying 16 people were killed, including seven children and "a number" of women. It says nearly two dozen people were wounded.
Anti-regime activists say more than 40,000 people have been killed since the start of the uprising against President Bashar Assad's regime in March 2011.
Source: http://news.yahoo.com/syria-state-media-blast-near-damascus-kills-16-093833789.html
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Researchers have linked ancient milk residue (thousands of years-old) to early forms of cheese-making. The scientists say this research provides new insights into the human diet and food production technologies.?
This is a file photo of a street vendor selling regional smoked cheese 'oscypek ' in Zakopane, Poland. Little Miss Muffet could have been separating her curds and whey from the sixth millennium B.C., according to a new study that finds the earliest solid evidence of cheese-making.
AP Photo/Czarek Sokolowski, File
EnlargeScientists have found the earliest evidence of prehistoric?cheese-making from a study of 7,500-year-old pottery fragments that are perforated just like modern cheese?strainers.
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Milk production and dairy processing allowed early farmers to produce food without slaughtering precious livestock, and making cheese?turned milk into a less perishable food that was more digestible for a population who at the time would have been intolerant to the lactose contained in milk.
Researchers from the?University of Bristol in Britain, with colleagues in the?United States?and?Poland, analyzed fatty acids embedded in prehistoric pottery from the Polish region of Kuyavia, and found they had been used to separate milk into fat-rich curds for?cheese and lactose-containing whey.
"The presence of milk residues in sieves ... constitutes the earliest direct evidence for?cheese-making," said M?lanie Salque from?Bristol, one of the authors of the research, which was published in?the journal Nature.
Peter Bogucki, another researcher involved in the work, said: "Making cheese?allowed them to reduce the lactose content of milk, and we know that, at that time, most of the humans were not tolerant to lactose."
Milk residues have been found at ancient sites up to 8,000 years old in?Turkey?and?Libya, but there was no evidence that the milk had been processed into cheese.
Until now, the earliest evidence of?cheese-making came from depictions of milk processing in murals several thousand years younger than the pottery fragments.
The researchers believe other vessels found in the same region were used for other specific purposes. Jars lined with beeswax were probably for storing water, and pottery containing the remnants of carcass fats was probably used for cooking meat.
"It is truly remarkable, the depth of insights into ancient human diet and?food processing technologies?these ancient fats preserved in archaeological ceramics are now providing us with," said?Richard Evershed, who heads the?Bristol?team.
(Reporting by Chris Wickham; Editing by Kevin Liffey)
Source: http://rss.csmonitor.com/~r/feeds/csm/~3/aq_9_MRUalU/Cheese-Not-as-newfangled-as-we-thought
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Tomorrow we?ll throw a TechCrunch Mini Meetup in Barcelona, one of the most internationally-minded cities in Europe. Below you?ll find out schedule, agenda and here you can grab a free ticket to the party] as the main free event is now full. It?s because of its diversity that the city has managed to attract a burgeoning number of startup entrepreneurs wooed by the ability of the city to attract talent, in part because of the climate and lifestyle. When you can live just about anywhere and create an Internet company, you may as well do it in a fun place to live. It?s a trend we?ve seen even San Francisco succumb to, as startups move back form the rather bland campuses of the Valley to the vibrancy of the SF?s city living. And Europe?s flexible corporate laws now allow startups to be based almost anywhere.
The #TCBarcelona Meetup is now sold out (tickets were free and were widely previewed such as here) and we will be assessing 15 pre-selected startups that submitted] their credentials first in a session involving investors, and finally in an open pitching competition for the finalists. We?ll also have panels discussing how Barcelona can capitalise on its position. If London, Stockholm and Berlin are hot right now, how does Barcelona ? which really is ?hot? ? join the party?
And it?s already got the building blocks. Initiatives like District 22@, the Barcelona Tech Bridges to Silicon Valley networking events, and Barcelona.IO, have been creating a booming networking scene. That?s why we are putting together a TechCrunch Mini Meetup there. Here?s our schedule for the day:
LOCATION:
Barcelona Activa, Carrer Llacuna, 162, Barcelona [Google Map]
Please bring your ticket and photo id. The main event is completely sold out. We?re not able to let anyone in without a valid ticket (which were free).
About 7 or 8 of these 15 pre-selected companies will pitch for a place to pitch in public tomorrow:
Bizzonia
?Bizzonia is a professional discovery tool that tells you in the HERE and NOW what professionals and business opportunities (events, job-offers) you have around you. With only 4 months in existence, it was already named by FORBES as 1 of the free apps that all entrepreneurs should use.?
CogniCor
?CogniCor revolutionizes the way large enterprises handle customer complaints by providing automatic and instant resolution using patent pending Artificial Intelligence technology. Our software is a cloud-based resolution as a service that integrates directly with the client?s website. Our clients are large enterprises in service sector industries (telecom, airline, insurance, utilities) with high volume and low value complaints. Enterprises save up to 80% operational cost compared to current methods and reduced customer churn. By providing faster and more accurate resolutions we create a win-win for our clients and end users. Scalable to international markets, we aim to be the global provider for complaint resolution. CogniCor is a Wayra accelorated startup, winning first place in Wayra Barcelona Startup Competition in 2012. We are scheduled to deploy our software with Telefonica, Spain?s largest telecommunication provider, and RACC Insurance this month.?
Dinube
?Dinube is a real-time payment network in the cloud enabling payment from any Internet-connected device. As the first merchant-based payment platform, Dinube solves the problem of high transaction costs and securely processes remote M/E-commerce payments as well as proximity payments at the physical point-of-sale. The Dinube platform has been designed to work on any Internet-connected device and is also ready for NFC (Near-field Communication) Contactless payments via mobile phone. Users of Dinube can easily and safely sync loyalty points, offers, cupones with their purchases. Dinube is the first cloud platform with propietary privacy algorithms that incorporate a customizable privacy control dashboard. Dinube is a Spin-out of the MIT MediaLab and has its head office in Barcelona. The Dinube team is made of MIT Computer Scientists and Sloan MBAs, with deep domain expertise in security, strategy and software development. Our advisory board and shareholders are experts in UX, GUI and have worked at companies like Telefonica R&D, SmartDesign and PayPal. Dinube is currently in advanced discussions with major merchant groups and has an agreement with a leading European payments integrator to prepare rollout.?
Feebbo
?What we do is online market research that help companies understand their markets and customers. Also Feebbo is a great tool to get new clients for your business. In less than 15 months we have 50.000 users and more than 1.500 surveys created. Our users earn money thru our VISA card and we have delivered more than 25.000.
Hotel Ninjas
?Hotel Ninjas is a cloud-based SaaS platform that helps hotels solve big pains they have with current technology. Our base product consists of a Property Management System (?PMS?), affordable, cloud-based and easy to use. Hotel Ninjas offers a great alternative to the old systems currently in use in many hotels.
Being a platform, we will offer premium modules such as Revenue Management, Channel Management and more. Currently the long tail of hotels have problems working with good technology at a good price.?
MamboCar
?MamboCar is a P2P car rental startup, but we?re focused in bringing tourist drivers to the car owners. We are from Spain and we?ve launched with 300 cars from private owners in several cities in Spain, and we are offering them to UK visitors, tourists and travellers. Most P2P car rental companies try to clone the Zipcar model with cars from people, focused in rental by hours to people in the city. We?re different, we want to disrupt the model of Europcar or Budget, with cheaper prices, more flexibility and a different experience, much more personal. We will expand to France and UK soon, with cars in this countries.
We?re the alternative car rental, company for travellers.?
Icebergs
?Icebergs ? Smart visual organisation. Research is an action that everyone does on a daily basis: Writing an article, planning your holidays, decorating your apartment or just looking for some inspiration. Tools to save and collect all types of content have been a growing need since users tried to select and curate those parts interesting to them: Images, articles, videos, files, etc. But when you think about it, the real problem comes, not when saving, but when going back to that content. How you use, organize, share and understand that content is what matters. That experience is what makes the real difference. Its time to start to enjoy your research, projects and inspiration like you never did before. Icebergs is Co-Founded by Albert Pereta and Cesar Isern. After working between New York and Barcelona consulting and helping startups we decided it was time to ?burn the ships down? and start our own. The first Beta of Icebergs is going to launch on late January with an 8 members team. We have our HQ in Barcelona and London, as well as an advisor in New York and another one in San Francisco.?
Knok
?Knok is a new generation home swap community. Knok takes a great idea, traveling on home exchange, one step further: a technology platform that suggests your ideal exchange partners based on your profile. Knok combines a very easy-to-use site with a smart search algorithm; reinforces the trust in the community through friends? and members? reviews; offers an insurance that covers members homes while swapping up to $200.000; integrates Facebook to discover your social connections; and provides a seamless exchange experience, protecting and verifying the identity of members. Home swap is going to be the third common alternative for travel accommodation, after hotels and rentals. Home swappers save on accommodation (for example, 2.500 ? can be saved during a 2-week home exchange vacation in Paris), stay in a real home (a bigger and more comfortable space than a hotel room), and enjoy the local knowledge of their exchange partners. Knok is available in 5 languages and is the fastest growing home swap community in the web, with 14.000 members in 147 countries. ?
Teleport
?Teleport is the new way to share content with your friends and your devices. With Teleport you can send and receive files faster and easier than ever. Here are a few of our key features.
- Send files to your friends and your devices.
- No uploading to the cloud, just direct connections.
- Audio and video streaming.
- Choose where you want to download the content.
- Crossplatform (Pc, Mobile, Tablet).
Raul and Joan are the founders of Teleport, two veterans on software development and file streaming ninjas. Teleport is a very young company based in Barcelona looking for the first round investment.?
Marfeel
?Marfeel automatically converts any web into the best reading experience for different moments of the day in devices such as the iPad or smartphones. The Marfeel experience encourages a natural, continous and very fluid reading, with no distractions, where content is king. The reader is engaged by discovering interesting content. That makes our metrics soar: 5x avg. reading time, 4x social sharing, 3x revenue increase. All that in no time and no pain. We?ve even prepared a demo for your site: go to ??enjoy.marfeel.com?" from an iPad to check it out. We are a really balanced team of 6 people with experience in Adobe, Microsoft, BBC, Financial Times, etc. We also have the business side covered with a recently joined member who has previously created and successfully exited 2 companies and is also a business angel. We have our product up & running for iPad. We are currently developing versions for other platforms and also acquiring clients. The top spanish economics newspaper is already a client (expansion.com) and we will launch before yearend with around 7 more.?
Nutrino
?We have bad habits! We live in an era of abundance, where careless food consumption is the number one cause of many chronic diseases. Nutrino is a food recommendation engine that learns the user?s preferences, and provides a personalized meal plan for optimized wellbeing. While everyone else is focused on tracking, we are focused on recommending, we are not another tracking tool! Nutrino utilizes amounts of personal data from the user?s profile, habits, eating preferences and social environment to create a personalized plan, enabling users to devise their daily diet, lifestyle and enabling to shop its grocery list online. We created the first scalable service that provides real personalization for users seeking nutrition advice and support. Using our patent pending optimization, crowd-sourcing technologies, and intelligent scraping from across the web to get appealing content, we are giving our users the ultimate health experience. Our Business model? We?ll bridge between users, nutrition supplements and online grocery retailers; providing cost effective sponsorship to F&B brands and restaurants; using the data collected for consumer product companies or health insights. Nutrino is a Israeli/Spanish diverse and talented team of 7 full time employees dedicated to this product working from our headquarters in Israel & commercial in Europe. Nutrino is seed funded and we plan to launch our MVP early 2013.?
Worldcoo
?Worldcoo it?s a crowdfunding website with a new business model.
Our main differences are:
- We link companies to the projects, so companies get also linked with the crowd.
- We don?t take any amount of the crowd donations. We receive a fee from companies.
- We are globally born, centered only in cooperation.
- We are fully integrated in social media, and due to this we can evaluate the CSR impact of our sponsoring companies using our own metrics.
- We only work with top NGOs. Currently we have agreements with Oxfam and Red Cross.
Now we just launched a beta version, so we are collecting the first data. Also we are in contacts with some companies, and we look forward closing a deal very soon. Worldcoo was founded in August 2012. Now we already raised some seed capital, and we may need a first round by mid 2013. Worldcoo is managed by a team of 3 founders, a student in internship and a wide Advisory Board. Also we are building a team of ambassadors, now in more than 15 countries.?
SMADEX
?SMADEX is a Mobile Demand Side Platform. We help advertisers and agencies place Display Ads in smartphones (either Apps or Mobile Webs), with incredible targeting capabilities to deliver the best possible advertising performance and full transparency in the media buying process. We are connected with international mobile ad exchanges, and are able to buy advertising space via Real Time Bidding.
We are experiencing strong sales growth, and are currently serving mobile advertising campaigns with companies like Groupalia, Privalia, H&M, Lancome, Lacoste, etc., in countries like Spain, Italy and Chile.
With our proprietary technology, we are achieving incredible advertising performance results in terms of download and lead generation for our advertisers. We expect to grow internationally both throughout Europe and Latin America during 2013.?
Lhings
?Lhings is the social network of you Things in the Cloud. Lhings is a cloud platform designed to provide access to your things where ever they are and let you manage, share and interact with them anywhere, when you like. Through Lhings you will not only be able to hear what your things say, but also speak to them and give them orders, so that you can effectively act remotely on the physical world. The data generated by your things and devices could be send to any service of your choice (e.g. Cosm, Twitter, Open Sense, among other) and even remotely reprogram them to send the data to more than one service at the same time or change the way your things behave. Imagine a washing machine where you can add new washing programs best suited for your delicate garments. Imagine you could add new sound effects to your loudspeaker and make it reproduce internet music. Lhings can make these possible.?
AGENDA FOR THE DAY
Time: Doors open for ticket holders at 5:00pm for a 5:30 pm sharp start! (All tickets to this free event have now gone ? there are none left)
Session 1: Panel ? Barcelona?s Entrepreneurs
We have a number of great people joining us. We are delighted to announce the following two people on the panel:
Mauricio Prieto @mauprieto
Mexican in Barcelona via San Francisco. In Internet ventures since 1995. eDreams cofounder & Odigeo CMO. Angel investor. Open water swimmer. ODIGEO is the largest online travel group in Europe, with HQ in Barcelona.
Albert Armengol @albertarmengol
Internet entrepreneur / Business Angel in many Barcelona companies / Doctoralia cofounder & CEO
Session 2: Panel ? Investor panel
Patrick de Zeeuw (@patrickdezeeuw)
Founder of Startupbootcamp
Marcel Rafart
Founder and partner at Nauta Capital
Session 3: Pitch Competition (the best BCN startups will compete)
We will have 7 screened companies pitching for the audience.
7:30 pm Wrap up.
8:30 pm TechCrunch Barcelona Meetup After Party (until late).
We have sold out already for daytime event!! After less than 1 day we have sold out for the TechCrunch Barcelona meetup tickets. If you are a company that wants to pitch, you still have a chance to get in by submitting your company to present at the event. Otherwise, please feel free to get tickets for the after party which are listed below.
AFTER PARTY
It will be at the coolest new bar in Barcelona, Oca?a, in Pla?a Reial. We will be providing the first few beers thanks to our sponsors. This is where we will kick off from 8pm, and where the networking will take place. Ticket holders will be able to grab a free beer. Others are welcome to turn up, just won?t get a free beer. DJs wil be kicking off at 10:30pm to fully celebrate the Barcelona Startup scene. All people who have a ticket for the official meetup proceedings will be able to reuse that ticket for the after party. If you have a ticket already from the daytime meetup, you do not need another ticket for the after party.
A huge thanks to these companies for hosting us:
BarcelonaActiva
GetApp
CloudWork
MyTaxi
Moritz
EasyPromos
JobFluent.com
Mobile Jazz
Robot Media
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