Friday, November 30, 2012

African Bank Named South Africa's 'Bank of the Year' - Ventures Africa

VENTURES AFRICA ? South Africa?s African Bank has been named South African Bank of the Year by the Banker magazine, the award citing the Bank?s complex business and risk models as helping steer businesses through the financial crisis.

Africa Bank is the biggest unsecured lender in South Africa ? a country widely considered to be relying too heavily on the use of unsecured loans, with this type of financing growing quickly across the country.? Unsecured lending currently accounts for 131 billion rand ($14.95 billion) of South Africa?s 1.36 trillion rand ($155 billion) outstanding receivables.

As such the decision to grant the award for Bank of the Year to an unsecured lender is somewhat surprising.

However, the Banker made the award ? which was handed over in a ceremony in London ? based on the Bank?s stability through-out the financial crisis, noting that its business and risk models are serving to increase credit responsibility across the South African financing sector.

?African Bank?s business model has been robust through the recent financial crisis and provided through the cycle profitability and attractive returns,? the Banker said in making the Award.

?The group has rolled out innovative products to make it easier for customers to access responsible credit and widened the bank?s distribution network through the establishment of kiosks and carve outs in its retail division which has helped drive the growth in loans,? the citation added.

Receiving the award on behalf of the company, Tami Sokutu, an executive director at African Bank Investments congratulated the Bank?s employees, and thanked customers for their continued loyalty to Africa Bank.? She went on to underline: ?We remain cognisant of our customers? requirements and needs as we assist to enhance their lives through the provision of responsible credit.?

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Gabriella

Gabriella Mulligan is a journalist with a special interest in business and legal issues, having come to journalism following a successful career in consultancy. After completing her legal education at the esteemed law school at Cambridge University, and prior to that at the University of Kent, Gabriella went on to work for a ?Big Four? financial and business services firm. She now enjoys writing on topical issues that affect businesses and the economy today. Gabriella is British and Hungarian. She has travelled widely, but harbours a passion for Africa and has made Nairobi, Kenya her home.

Total Posts: 238

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Source: http://www.ventures-africa.com/2012/11/africa-bank-named-south-african-bank-of-the-year/

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Reality Check: You Are Not a Computer Simulation [Audio]

Cover Image: December 2012 Scientific American MagazineSee Inside

Sorry, Matrix fans: the laws of physics suggest we are not living inside a computer


Image: World Science Festival

Conventional wisdom says that quantum mechanics is a theory of discreteness, describing a world of irreducible building blocks. It stands to reason that computers?which process information in discrete chunks?should be able to simulate nature fully, at least in principle. But it turns out that certain asymmetries in particle physics cannot be discretized; they are irreducibly continuous. In that case, says David Tong, author of "Is Quantum Reality Analog after All?" in the December 2012 issue of Scientific American, the world can never be fully simulated on a computer.

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Source: http://rss.sciam.com/click.phdo?i=d8ff43aba78451ddefa12853c7ebec66

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Thursday, November 29, 2012

Being a smart buyer - Zillow Real Estate Advice

Being pre-approved can be a big part of that as well. If you have your home financing lined up ahead of time, it can make the purchase process go a lot smoother. We have a free e-book called "Demystifying the Mortgage Process", which can be helpful for new home buyers. You can access it through my profile page website.

Source: http://www.zillow.com/advice-thread/Being-a-smart-buyer/469758/

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Printing soil science

Printing soil science [ Back to EurekAlert! ] Public release date: 28-Nov-2012
[ | E-mail | Share Share ]

Contact: Philippe Baveye
baveyp@rpi.edu
American Society of Agronomy

Imagine printing a 3-D object as easily as a typed document. Lose a button? Print one. Need a new coffee cup? Print one. While the reality of printing any object on demand may lie in the future, the technology necessary to do it has been available for decades. And soil scientists are now taking advantage of its possibilities.

In a paper published online this week in the Soil Science Society of America Journal, a team of researchers headed by Philippe Baveye explored the potential of manufacturing soil science equipment using 3-D printing. They found that the technology, also called "rapid manufacturing" or "stereolithography," has major benefits over traditional manufacturing methods, and they were able to successfully produce intricate pieces. Also, the ability to easily share the designs used by 3-D printers could allow for better replication of experiments and collaboration among soil scientists.

First developed in the 1980s, the process of 3-D printing begins with a computer-generated model [often a Computer Aided Design (CAD) image] that is "sliced" by a program to create very thin layers of the object. The printer then uses an extruder that lays down a material frequently a thermal plastic layer by layer, as defined by the computer program, to create the full 3-D object. This method is currently being used to build a variety of items, such as mobile phones, jewelry, and artificial limbs.

Baveye's team used the technology to create parts of a permeameter, a device used to measure the hydraulic conductivity of soils. Traditionally, this type of equipment is made using lathes and drills. However, those techniques are painstaking and time-consuming. Also, traditional methods cannot create intricate designs or incorporate certain features such as non-concentric structures. Moreover, once a product is made, researchers are resistant to making changes even if the piece would work better if modified.

Baveye and his colleagues found that by using a 3-D printer to create their design of the permeameter parts, they were able to avoid several of these problems of traditional equipment manufacturing. Many designs that used to be impossible to make, such as intricate conduits, can now be easily worked into the 3-D printing models. Also, once a piece is designed and even manufactured, changes to the product can be easily made in the computer model and printed anew.

Says Baveye, "Should anyone want permeameter columns with a narrower or larger diameter, designs can be scaled up or down in seconds, and a new piece can be printed without extra human labor."

By avoiding the painstaking and backbreaking work of traditional methods, 3-D printing has inadvertently leveled the playing field. While in the past few students and researchers were willing to use the drills and lathes, many more now look forward to the opportunity to create and print CAD drawings. This technology has opened doors to aspiring soil scientists that may have otherwise passed on the opportunity to create designs and equipment for their research.

An additional benefit of using 3-D printing, and one that Baveye believes could greatly impact soil science, is the ease with which designs can be shared among researchers. When equipment is made using traditional methods, detailed procedures and even blueprints have to be provided for replication of the experiment. Even then, there are often details that make it difficult for others to produce the same design. 3-D printing eliminates this hurdle.

"CAD files can be easily sent by email to colleagues anywhere in the world," explains Baveye. "That means experiments can be replicated easily, even if they involve complicated pieces of equipment."

While the benefits of 3-D printing are obvious, there are some limitations. The object design must consist of contiguous solid material, and the smallest features must be larger than the minimum resolution of the printer being used. Even with these constraints, however, 3-D printing offers a promising alternative to older manufacturing methods, and Baveye and his colleagues have no doubt that the technology will become a mainstream method.

"We expect that the evolution of 3-D printing will follow that of laser printers," says Baveye. "As the price of 3-D printers continues to fall, we expect that they are going to be more and more widely used in soil science laboratories and in many other disciplines."

###

The full article is available for no charge for 30 days following the date of this summary. View the abstract at https://dl.sciencesocieties.org/publications/sssaj/abstracts/0/0/sssaj2012.0196n.

Soil Science Society of America Journal, www.soils.org/publications/sssaj, is a peer-reviewed international journal published six times a year by the Soil Science Society of America. Its contents focus on research relating to physics; chemistry; biology and biochemistry; fertility and plant nutrition; genesis, morphology, and classification; water management and conservation; forest, range, and wildland soils; nutrient management and soil and plant analysis; mineralogy; and wetland soils.

The Soil Science Society of America (SSSA) is a progressive, international scientific society that fosters the transfer of knowledge and practices to sustain global soils. Based in Madison, WI, SSSA is the professional home for 6,000+ members dedicated to advancing the field of soil science. It provides information about soils in relation to crop production, environmental quality, ecosystem sustainability, bioremediation, waste management, recycling, and wise land use.

SSSA supports its members by providing quality research-based publications, educational programs, certifications, and science policy initiatives via a Washington, DC, office. Founded in 1936, SSSA proudly celebrated its 75th Anniversary in 2011. For more information, visit www.soils.org or follow @SSSA_soils on Twitter.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Printing soil science [ Back to EurekAlert! ] Public release date: 28-Nov-2012
[ | E-mail | Share Share ]

Contact: Philippe Baveye
baveyp@rpi.edu
American Society of Agronomy

Imagine printing a 3-D object as easily as a typed document. Lose a button? Print one. Need a new coffee cup? Print one. While the reality of printing any object on demand may lie in the future, the technology necessary to do it has been available for decades. And soil scientists are now taking advantage of its possibilities.

In a paper published online this week in the Soil Science Society of America Journal, a team of researchers headed by Philippe Baveye explored the potential of manufacturing soil science equipment using 3-D printing. They found that the technology, also called "rapid manufacturing" or "stereolithography," has major benefits over traditional manufacturing methods, and they were able to successfully produce intricate pieces. Also, the ability to easily share the designs used by 3-D printers could allow for better replication of experiments and collaboration among soil scientists.

First developed in the 1980s, the process of 3-D printing begins with a computer-generated model [often a Computer Aided Design (CAD) image] that is "sliced" by a program to create very thin layers of the object. The printer then uses an extruder that lays down a material frequently a thermal plastic layer by layer, as defined by the computer program, to create the full 3-D object. This method is currently being used to build a variety of items, such as mobile phones, jewelry, and artificial limbs.

Baveye's team used the technology to create parts of a permeameter, a device used to measure the hydraulic conductivity of soils. Traditionally, this type of equipment is made using lathes and drills. However, those techniques are painstaking and time-consuming. Also, traditional methods cannot create intricate designs or incorporate certain features such as non-concentric structures. Moreover, once a product is made, researchers are resistant to making changes even if the piece would work better if modified.

Baveye and his colleagues found that by using a 3-D printer to create their design of the permeameter parts, they were able to avoid several of these problems of traditional equipment manufacturing. Many designs that used to be impossible to make, such as intricate conduits, can now be easily worked into the 3-D printing models. Also, once a piece is designed and even manufactured, changes to the product can be easily made in the computer model and printed anew.

Says Baveye, "Should anyone want permeameter columns with a narrower or larger diameter, designs can be scaled up or down in seconds, and a new piece can be printed without extra human labor."

By avoiding the painstaking and backbreaking work of traditional methods, 3-D printing has inadvertently leveled the playing field. While in the past few students and researchers were willing to use the drills and lathes, many more now look forward to the opportunity to create and print CAD drawings. This technology has opened doors to aspiring soil scientists that may have otherwise passed on the opportunity to create designs and equipment for their research.

An additional benefit of using 3-D printing, and one that Baveye believes could greatly impact soil science, is the ease with which designs can be shared among researchers. When equipment is made using traditional methods, detailed procedures and even blueprints have to be provided for replication of the experiment. Even then, there are often details that make it difficult for others to produce the same design. 3-D printing eliminates this hurdle.

"CAD files can be easily sent by email to colleagues anywhere in the world," explains Baveye. "That means experiments can be replicated easily, even if they involve complicated pieces of equipment."

While the benefits of 3-D printing are obvious, there are some limitations. The object design must consist of contiguous solid material, and the smallest features must be larger than the minimum resolution of the printer being used. Even with these constraints, however, 3-D printing offers a promising alternative to older manufacturing methods, and Baveye and his colleagues have no doubt that the technology will become a mainstream method.

"We expect that the evolution of 3-D printing will follow that of laser printers," says Baveye. "As the price of 3-D printers continues to fall, we expect that they are going to be more and more widely used in soil science laboratories and in many other disciplines."

###

The full article is available for no charge for 30 days following the date of this summary. View the abstract at https://dl.sciencesocieties.org/publications/sssaj/abstracts/0/0/sssaj2012.0196n.

Soil Science Society of America Journal, www.soils.org/publications/sssaj, is a peer-reviewed international journal published six times a year by the Soil Science Society of America. Its contents focus on research relating to physics; chemistry; biology and biochemistry; fertility and plant nutrition; genesis, morphology, and classification; water management and conservation; forest, range, and wildland soils; nutrient management and soil and plant analysis; mineralogy; and wetland soils.

The Soil Science Society of America (SSSA) is a progressive, international scientific society that fosters the transfer of knowledge and practices to sustain global soils. Based in Madison, WI, SSSA is the professional home for 6,000+ members dedicated to advancing the field of soil science. It provides information about soils in relation to crop production, environmental quality, ecosystem sustainability, bioremediation, waste management, recycling, and wise land use.

SSSA supports its members by providing quality research-based publications, educational programs, certifications, and science policy initiatives via a Washington, DC, office. Founded in 1936, SSSA proudly celebrated its 75th Anniversary in 2011. For more information, visit www.soils.org or follow @SSSA_soils on Twitter.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-11/asoa-pss112712.php

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Putting Together The Friendship is Magic My Little Pony Wedding Castle By Hasbro

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(She had to pick some toys to giveaway and she picked out three different toys from her room to donate in order to keep the Wedding Castle)

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Product FeaturesIMG_2031

  • Wedding Castle playset comes with Bride and groom
  • Playset features a spinning butterfly and a bench that swings
  • The playset features a whole range of accessories for the wedding

Princess Cadence and Shining Armor are getting married at the castle. Ponies from all over Equestria can?t wait to go to the royal wedding. Your Princess Cadence and Shining Armor pony friends are thrilled to share this special day with you. Help them into their clothes and crowns and prepare the beautiful castle for the party ? then open the castle door to welcome their guests. Castle playset comes with bride and groom pony figures, butterfly, comb, 2 teacups, teapot, wedding cake, table, bouquet, piano, purse, tuxedo, groom crown, bride crown, dress, 2 rings, necklace, chandelier and sticker labels. For ages 3 and over. Box Contains 1x Bride, 1x Groom, 1x butterfly comb, 2x teacups, 1x teapot, 1x wedding cake, 1x table, 1x bouquet, 1x piano, 1x purse, 1x tuxedo, 1x groom crown, 1x bride crown, 1x dress, 2x rings, 1x necklace, 1x chandelier 1x sticker labels IMG_2033

Zoe and Miles played for an hour while I continued working. I love hearing them play nicely and together. They come up with some of the most creative ideas while they are playing. Only time will tell about the REPLAYABILITY in this toy. I?m thinking Zoe will be playing in her room with the ponies as now she has a boy and a girl to go along with her other ponies. One of the toys she gave up was a My LIttle Pony she received from McDonalds that had only plastic hair.

It was really easy to put together and I only needed to look at the instructions to see where the accessories were supposed to go and how they were to be put on the castle.


Source: http://feedproxy.google.com/~r/Momstart/~3/VuLoNwIg96M/

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Wednesday, November 28, 2012

Otterbox Defender for iPad mini (Video Review)



Otterbox Defender for iPad mini (Video Review)
November 28th 2012


The Defender is Otterbox's most protective case and is now available for the iPad mini. It features multiple layers of protection with an inner hardshell, outer plastic cover, and a hard cover. The case also features a built-in screen shield/protector. The hard outer case also doubles as a stand for iPad typing or viewing.

The iPad mini Defender is currently available in Black, Crevasse (reviewed), and Blushed. It retails for 44.99 - $69.95.

Purchase @ Amazon

Otterbox


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IGM Specials

iMac (2012)
8GB -$44
16GB -$88
32GB - $172

Mercury Extreme SSD
120GB - $119.99
240GB - $229.99

480GB - $485.99

MacBook Pro Memory
8GB - $44
16GB - $88

Mac Pro RAM (2012)
8GB - $64.99
16GB - $139.99
32GB - $397.99

Power2U AC/USB Wall Outlet - $11.50

ProStore
Bare - $52
500GB - $135


Source: http://feedproxy.google.com/~r/InsanelyGreatMac/~3/j-brg2TP2Sk/news.php

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How to Invest a Thousand Dollars - Where to Invest Your Money

My brother recently contacted me to ask how to invest a thousand dollars. He was thinking about opening a Roth IRA, but he wanted to know if that was the best place to put his money for the long term. I was happy to hear he wants to start a savings plan. It?s always a good idea to invest for the future. But sometimes investing for retirement isn?t the best way to use your resources. Some people would be better off investing in a non-retirement fund, or using the money for something else, such as creating an emergency fund, or paying off debt. If you are a new investor, or you have a $1,000 you want to invest, then these tips can help you determine your investment goals, and help you reach them.

How to Invest a Thousand Dollars

Should you save for retirement, or use your money elswhere?

Should you invest for retirement, or use your money elsewhere?

Be sure investing is the right decision.It?s great to save up $1,000, and even better to want to do something productive with those funds. An investment is a good way to make your money grow, and help you prepare for the future.

But sometimes investing isn?t the right decision. If you have high interest debt, such as a credit card, personal loan, or car loan, then it may be better for you to use the money to pay off your outstanding loan balance. You will get an immediate return on your investment, and you will free up monthly cash flow, which will make it easier to replenish your savings, and invest again in a few months.

The other consideration is preparing for emergencies. If you have a decent emergency fund and are prepared to handle an unexpected financial situation, then investing may be a good idea. If you don?t have an emergency fund in place, then consider building your rainy day fund first ? that way you don?t have to withdraw your investment shortly after making it. Remember, investments can lose money, and the last thing you want to happen is to need to withdraw your investment during a downturn in the market.

Always start with an investing goal. The first step of any investment is to begin by determining your investment goals. Every decision you make needs to reflect your investment goal. In most cases, your investments will fall into two buckets medium term, or 5-10 years, or retirement. If you need the money in less than five years, you are saving, not investing. Your time frame will also help you decide if you need to invest in a retirement account, such as an IRA or 401k, or if you should invest in a non-retirement account, which gives you access to your money more easily, and without the likelihood of penalties or fees.

The case for a short term investment. If you are planning on buying a home in the next 5-10 years, paying for your children?s college, or otherwise plan to access your money in the next few years, then consider investing in a non-retirement account. This will give you access to your money when you need it, without having to worry about early withdrawal penalties that can occur when you withdraw retirement funds before retirement age.

The case for retirement investing. Retirement investing gets a lot of publicity, and with good reason: very few companies offer pension plans, and social security benefits may not be enough to fund your retirement. The more money you put away now, the more time you have for compound interest to work it?s magic, and the less you will have to worry about retirement investing in the future. The only downside to putting a lot of money away for retirement is the inability to easily access the funds without penalty. If you think you will need the money in the near future, then consider investing in a taxable (non-retirement) fund.

Related info: More information on Cash Savings vs. Retirement Savings.

Should you invest in a 401k or an IRA?

Choose your investment plan carefully.

Roth or Traditional? If you decide to invest in a retirement account, your next decision is to go with a Traditional or Roth IRA or 401k. Here is the basic difference: Traditional IRAs and 401k plans offer a tax break on your income now. Your contributions are tax deductible (up to certain income limits), and your investments grow until you retire. Once you reach retirement age, you can begin making withdrawals from your retirement accounts, and the withdrawals will be taxed at that time. Roth retirement plans are taxed in an opposite manner. Your income is taxed today and it will grow tax free until retirement age, at which point you can make tax free withdrawals. Roth retirement plans are almost always better, especially for younger individuals, and those who are earning less money (because they have more time to let the earnings grow tax free, and lower income earners are in lower tax brackets). Here are some more articles which might be helpful in understanding the differences among the IRA plans, IRA contribution limits, and Roth IRA withdrawal rules.

Where Should You Invest $1000 Dollars?

How to invest a thousand dollars? Keep it simple!

Keep your investing simple!

Great ? you?ve decided you are going to invest a thousand dollars, but now you don?t know where to start. I get it. There is a huge investment world out there, and it can be intimidating. Let?s do two things to help eliminate much of the noise, and help you decide where to put your investment.

1). Go back to the beginning. Remember the investment goal you set? Always go back to your goals and your investment decisions will be much easier. Keep this in mind if you meet with an investment advisor. Some of them will try to sell you an investment. Always ask if the investment meets your goals. For example, someone may try to sell you life insurance as an investment. If retirement is your goal, then you should think twice about investing in life insurance when other investments might be a better long term match for you.

2). Keep it simple. You don?t need to invest in individual companies, penny stocks, binary options, FOREX, or any other exotic investments. If you can?t explain an investment to someone in 30 seconds, it?s probably too complicated. Keep it simple. Here?s how:

Consider a target date fund. Target date funds are a mixed investment portfolio that features a variety of investments that are automatically balanced for a certain date in the future. In other words, you can buy into an investment that is entirely hands off, and that will maintain a reasonable blend of risk and reward. Here is more information about how target date funds work. Keep in mind target date funds aren?t perfect. But they are a great place to start when you have limited investment funds.

Target Date Fund asset allocation

Target date funds automatically adjust their holdings ? making them a great investment for first-time investors.

Where to find good target date funds: There are a few things to keep in mind about target date funds. They can have expensive management fees, depending on who manages the fund. In general, you will find a good fund if you choose a target date fund from one of the major mutual fund houses. Another thing to consider is the minimum investment requirement. Vanguard requires a $1,000 minimum investment for their target date funds, while some of the other large firms require a minimum of $2,000 or $3,000. Some funds require a minimum of $5,000 or even $10,000. I have had great experiences with Vanguard, and recommend them to anyone looking for an excellent selection of low fee investments.

Find a way around the minimum investment requirements. If you don?t have $1,000-$10,000 to invest in a single fund, then look at other options. Some companies allow you to start an investment with less than the minimum requirement as long as you make regular monthly investments. If you can?t swing that, then consider other options. A simple way around the large minimum investment requirement is to open an account with Betterment, which has a $25 minimum investment ? making investing affordable for anyone. They primarily use Vanguard funds, and are able to remove the minimum requirement because they purchase the funds in bulk. There is a small fee to use Betterment, but it is reasonable and a good way to get started when you can?t otherwise meet the investment minimums. For more information, you can read our full Betterment review, or visit their site.

Start Today ? Put Your $1,000 to Work!

Investing can seem complicated, but it doesn?t have to be. Determine whether you should invest your money, or use it for more immediate goals, create your investing goals, then find an investment to help you reach those goals. There is still a lot of work you need to do to investigate the exact investment to purchase, but following these steps will help you eliminate most of the noise and help keep you on track. If you are just starting, then keep things simple. Start with a target date fund, then learn more about the stock markets and investing. Once you have more money to invest and a better understanding of how things work, you can venture into different types of investments.

Related Articles:

Source: http://cashmoneylife.com/how-to-invest-a-thousand-dollars/

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