Origin of Life: A Field of Ignorance

first_img(Visited 573 times, 1 visits today)FacebookTwitterPinterestSave分享0 The origin of life field is characterized by speculation about dumb molecules that could not possibly have organized themselves into living beings.[Note: CEH is taking a break this week. These news items are presented for those who wish to follow up on them.]Mazur interviews all the leading lights in the materialist origin-of-life field.A new synthetic molecule may solve a paradox about life’s origin (New Scientist).Scientists crack how primordial life on Earth might have replicated itself (Science Daily). Might doesn’t make right.Scientists’ discovery in Yellowstone ‘extremely relevant’ to origin of life (Phys.org). Uh, Mr. Scientist, the microbes are already living.How Did Life Begin? (Nature). Leading OOL researcher Jack Szostak starts with the Miller Myth then pushes his imaginary RNA world again.Why formamide may have been early life’s alternative to water (Astrobiology Magazine).New study reveals secrets of evolution at molecular level (Phys.org).Try your hand at being a CEH reporter! Read and analyze the claims above. You can use our Back Issues for assistance; click on the Origins drop-down menu on the front page, and look for previous entries about Origin of Life. You can also use the search bar for particular keywords.last_img read more

Why Aren’t Entrepreneurs Developing Innovative Solutions For Renters?

first_imgThere are some 40 million rental units in America today. And that segment is growing fast as more Americans choose to rent instead of own in a tepid real estate market. While some technology providers have come to the rescue of landlords and prospective tenants, much opportunity remains.With home prices down 34% from their July 2006 peak, resulting in more than $16 trillion in vaporized household net worth, you can’t blame Americans for wanting to move on with their lives. That typically means renting a home or apartment, as fewer Americans now believe that owning a home is better than renting, 63% today, down from 89% in 1996:.That trend has fueled a rental market with the tightest demand in 10 years. Leading the U.S. rental market is the tech-heavy San Francisco Bay Area, with San Francisco rental prices up 15% and Oakland, Calif., up 11%, as of June 2012.But tenants and landlords know that finding and renting a home or apartment is not a simple process. The finding part has been made easier with the emergence of Craigslist as the default mother of all U.S. rental listings. Yet the procedure of applying for a rental and getting your application approved remains arduous. Thankfully it’s now being addressed by a few savvy technology providers.Online ApplicationsLandlords of multi-unit apartment buildings or home properties can now use a service from Santa Barbara-Calif.-based RentApp. As its name implies, this online service is designed to simplify the rental application process. Once a free account has been set up, a landlord can create a rental application by selecting from a menu of customary items, such as financial information, pets, etc. RentApp makes money by collecting fees from screening tenants, which start at $10 per “screen.”Once an application has been created, prospective tenants are sent a link to fill out the online application and RentApp can collect application fees, if a landlord has been set up with credit-card processing (a cumbersome process that screams for a Square-like solution). Landlords who have applied for background checking can then automatically screen each tenant. But background- and credit-checking require an on-site visit by an Experian representative, yet another tedious complication.The good news for prospective tenants is that there’s no paperwork involved and applicants do not directly divulge social security numbers to landlords – adding an extra layer of security protection. Welcome to the 21st century!Chicago-based startup RocketLease also offers online application creation, submission and screening, plus it lets landlords create an online property listing that applicants can use to review a rental offering and submit their application.But when I tested their service I discovered that not only did RocketLease not actually have the iPhone app portrayed on its home page, it also prominently displays a landlord’s email address on its listing pages, which could lead to spamming. RocketLease has assured me that it will begin cloaking email addresses this week.Digital LeasesMoreover, no existing service – and that includes other new-age outfits like E-Renter, which handles tenant screening but offers no online application submission service – lets one manage the entire rental process, in particular lease creation, submission and signing, plus rental payments. To create a lease, many National Association of Realtors NAR agents rely on services like zipLogix, which is able to generate PDFs that must be filled out by hand, i.e. non-fillable PDF forms. But this service is not available to individual parties. Popular legal services, such as Nolo or Rocket Lawyer, offer leases that can be tailored to each landlord’s state – but none offers online fillable lease services.Once a lease has been laboriously created, you can have it electronically signed by using Adobe’s EchoSign, which requires that each signatory field is manually specified. (Competitors to EchoSign include DocuSign and many others.) For rent payment collection, landlords have to rely on yet another service, like PayYourRent or RentPayment.Overwhelmed yet? Now you know why I agree with Sequoia Venture Capitalist Jim Goetz that it’s shocking to see how few entrepreneurs really focus on building products for businesses.Considering that there are 40 million rentals and 223 million computers users in the U.S. with no easy way of applying and qualifying for rentals, you can’t blame me for ranting against the lack of common-sense application development in America. While there are certainly outfits addressing the rental market with tech-based solutions, my experience suggests that the playing field falls far short of what’s needed.As a landlord you should not have to visit half a dozen sites to get a unit leased. Rental apps should be downloadable to a tenant’s mobile phone, filled in and signed directly from wherever they are. I know that day will come but it’s not here yet.Submit your ideas to help revolutionize our software industry at our ideation engine and here’s hoping that your next rental experience is a seamless one.Rental and lease images courtesy of Shutterstock. Massive Non-Desk Workforce is an Opportunity fo… Related Posts IT + Project Management: A Love Affair Cognitive Automation is the Immediate Future of…center_img michael tchong Tags:#e-commerce#enterprise 3 Areas of Your Business that Need Tech Nowlast_img read more

Lifecycle Fund Basics

first_imgGlide paths are a critical factor in fund performance and investment companies use many types of glide path strategies to determine the percentage of stock in the fund portfolio at different points in time. By Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, [email protected] Thrift Savings Plan (TSP) L (Lifecycle) Fund is a popular investment choice among service members. Also known as target date funds or TDFs, lifecycle funds are “all in one” portfolios that typically include three types of investment categories known as asset classes: stocks, bonds, and cash equivalents (e.g., money market funds). Their asset allocation weights (e.g., 50% stock, 30% bonds, 20% cash) automatically adjust and get more conservative (i.e., lower stock percentage) over time without any need for investors to take action.Lifecycle funds typically have a date in their name such as the “2040 Fund” or “2050 Fund” and investors chose a fund with a date that matches, or is close to, their expected year of retirement. Dates are typically spaced out at 5- or 10-year intervals (e.g., 2030, 2035, etc.), depending on the lifecycle mutual fund provider. The TSP currently has five available lifecycle fund options: L2020, L2030, L2040, L2050, and L income.Lifecycle funds, as an investment category, were created in 1994 and have gained popularity in the last decade as a qualified default investment alternative (QDIA) for tax-deferred retirement savings plans such as 401(k)s and, more recently, TSP accounts for new federal employees. Some employees who are enrolled in employer retirement savings plans fail to provide instructions for investing their deposits. In these situations, employers invest their plan contributions in the default investment.Below are some key facts about lifecycle funds:They generally only make sense if they include the bulk of someone’s retirement savings. Otherwise, their asset allocation is altered by “outside” investments, which contradicts the whole premise of using them. “To” glide paths assume that retirement age is the target date and, at that point, the portfolio’s stock percentage weighting and investment mix remains static. “Through” glide paths continue to decrease the stock percentage for a designated number of years after the target date before leveling off. A defining characteristic is their glide path, which determines the asset allocation mix over time. Pictured as a descending staircase, the glide path indicates how the stock percentage decreases over time.center_img The “landing point” is the point in the glide path where a lifecycle fund reaches its lowest stock percentage allocation. Not surprisingly, funds with different glide paths and landing points have very different risk profiles. When a TSP L fund reaches its target date, it is automatically rolled into the L income fund, which is the most conservative L fund with a focus on capital preservation. Lifecycle funds are not without controversy. Performance issues during the 2007-2009 financial crisis brought to light the fact that many were not as conservatively positioned as their names implied. This led to new disclosure rules by the U.S. Securities and Exchange Commission in 2010, including better disclosure of glide paths and portfolio composition.Do you want to know more about lifecycle funds and the TSP Lifecycle (L) Fund? The eXtension Military Families Learning Network held a 90-minute webinar on target date funds in 2015. To view the webinar video archive, visit the event page.last_img read more

29th SEA Games officially open in Kuala Lumpur

first_imgFireworks explode at the start of the opening ceremony for the 29th Southeast Asian Games (SEA Games) at Bukit Jalil stadium in Kuala Lumpur on August 19, 2017. / AFP PHOTO / MANAN VATSYAYANAKUALA LUMPUR—The opening ceremony of the 29th SEA Games kicked off with a stunning light show at the National Stadium in the Kuala Lumpur Sports City.The procession of the flags of the 11 participating countries together with 320 flags of Malaysia accompanied by a musical performance followed next. Then came the parade of contingents and athletes from the participating countries.ADVERTISEMENT China snubs ‘Little Olympics’ opening ceremony in Taiwan Robredo should’ve resigned as drug czar after lack of trust issue – Panelo Manny Pacquiao part of 2019 SEA Games opening ceremony PLAY LIST 00:36Manny Pacquiao part of 2019 SEA Games opening ceremony03:07PH billiards team upbeat about gold medal chances in SEA Games02:49World-class track facilities installed at NCC for SEA Games00:50Trending Articles05:25PH boxing team determined to deliver gold medals for PH03:04Filipino athletes share their expectations for 2019 SEA Games00:45Onyok Velasco see bright future for PH boxing in Olympics02:25PH women’s volleyball team motivated to deliver in front of hometown crowd01:27Filipino athletes get grand send-off ahead of SEA Games MOST READ LATEST STORIES Hotel says PH coach apologized for ‘kikiam for breakfast’ claim View comments NATO’s aging eye in the sky to get a last overhaul Ethel Booba on hotel’s clarification that ‘kikiam’ is ‘chicken sausage’: ‘Kung di pa pansinin, baka isipin nila ok lang’ The opening ceremony took place at National Stadium, which is part of the newly-refurbished sporting facilities of the Kuala Lumpur Sports City.Present were Prime Minister Datuk Seri Najib Tun Razak, his wife Datin Seri Rosmah Mansor and Youth and Sports Minister Khairy Jamaluddin.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSBoxers Pacquiao, Petecio torchbearers for SEA Games openingThe 29th edition of the Games until Aug 30 brings together some 4,900 athletes from 11 countries, namely Indonesia, the Philippines, Singapore, Thailand, Brunei Darussalam, Vietnam, Laos, Myanmar, Cambodia, Timor Leste and hosts Malaysia.At stake is 404 gold medals in 38 sports, with ice skating, ice hockey, indoor hockey and cricket being held for the first time. Lacson: SEA Games fund put in foundation like ‘Napoles case’ Don’t miss out on the latest news and information. Pagasa: Storm intensifies as it nears PAR Trump signs bills in support of Hong Kong protesters Celebrity chef Gary Rhodes dies at 59 with wife by his side Going into the opening ceremony of the biennial extravaganza that carries the theme ‘Rising Together’, Malaysia – with a 111-gold target – has already clinched seven gold, four silver and five bronze medals to top the KL Games medals table so far.The country’s contingent of 844 athletes are counting on the home ground advantage to better the 62 gold medal haul and fourth placing in Singapore two years ago.Sports Related Videospowered by AdSparcRead Nextlast_img read more

Pitch report

first_imgTeam ManThe final over of the Indian innings against Bangladesh started with Yusuf Pathan on strike. India’s score read 365/3 and Pathan went to Virat Kohli, who was two runs short of a century, to ask what he should do. Instead of asking Pathan to take a single and give him the strike, the 22-year-old Delhi boy told his partner, “Maaro (hit the ball).” That’s what we call teamwork.Mission BodylineEngland opener Kevin Pietersen is on a new mission-finding a new tattoo. He already flaunts several tattoos, including one of England’s Three Lions. “Time to look into finding some more tattoo designs,” tweeted Pietersen. His mates will want him to find a design to win the Cup instead.Weighty IssueGeoffrey Boycott has written off Yuvraj Singh even before the start of the World Cup. “Yuvraj looks jaded and overweight. If he delivers, fine, or else, the powers that be are likely to move on,” wrote Boycott in a column. Are you listening, Yuvi?”Harbhajan Singh is the best spinner in the world. The way he bowls is unbelievable. Every time I watch him, my game improves.”- Jason Krejza, Australian spinnerThe Good HostSri Lankan President Mahinda Rajapaksa banned a World Cup song which warned that Australia would end up as bird food while New Zealand would have their jaws broken. Rajapaksa ordered the song to be taken off all state-run radio and TV channels. He censured authorities for allowing the “insulting” lyrics. Local artiste Lahiru Perera lent his voice to this three minute-long song in Sinhalese and Tamil.advertisementWhat’s in a Name?Ashish Nehra was not only ignored for the match against Bangladesh, captain M.S. Dhoni even forgot his name at the toss. When TV interviewer Ravi Shashtri asked the skipper to name is team line-up, Dhoni replied: “Ashwin, Chawla, Raina and one other guy will not play.”last_img read more

Boxing: Fury vs Pulev ordered by IBF

first_imgAdvertisementThe IBF has now ordered a heavyweight showdown between Kubrat Pulev (25-1, 13KO) and Hughie Fury (21-1, 11KO) as a title eliminator.Pulev, a 37-year-old Bulgarian fighter, currently holds the WBA Inter-Continental Heavyweight title. He’s had his fair share of purse bids and mishaps with the IBF. There was an injury that prevented a title shot opportunity against Anthony Joshua fight in 2017.Since losing to Wladimir Klitschko in 2014, he has won five straight fights with his last fight being in 2017. Then 2018 saw three more ordered fights that hit roadblocks. Names like Dominic Breazeale, Dillian Whyte, and Jarrell Miller were in the mix but failed to be made.Fury, a 23-year-old British boxer, lost his first fight and title opportunity against Joseph Parker. A fight many felt he won but has bounced back from that by winning the British title earlier this year.The purse bid is set to take place August 9 unless an agreement can be made before then.Advertisementlast_img read more

Holden Wins Young Sportsperson of the Year Award

first_imgAfter taking up Touch Football only three years ago, Holden spent two years playing socially before joining La Trobe Touch in 2011. This year has seen the 18-year-old represent Victoria at the 2011 X-Blades National Youth Championships as well as being part of the Victorian Women’s Open team that competed at this month’s New South Wales State Cup in Port Macquarie. Holden said she was honoured to receive the award, which was presented to her by Victorian Minister for Sport and Recreation, the Honourable Hugh Delahunty. “Recently the President of La Trobe Touch, Charles Willacy, nominated me for Young Sportsperson of the Year. It was a Victorian Government Department of Sport and Recreation grant for $3000, and the runners up got $1000,” Holden said. “The other awards included Local Heroes, Sporting Team of the Year and Grassroots Awards.”2011 has been a big learning experience for Holden, who first represented Victoria at this year’s National Youth Championships. Holden says that while results didn’t go their way, it was a great opportunity. “We just wanted to learn as much as we could in the space of time that we had and we did. By the end of the tournament we had grown as players and a as team and we felt so much better than we did at the start of the tournament, so that’s what we got out of it.”From there Holden tried out for and was selected in the Victorian Women’s Open team to take part in the New South Wales State Cup, something that she says was very beneficial for her development as well as that of the team. “It was a really intense weekend, lots of games and lots of information to take in but it’s been really good, I feel like I have improved and it makes me so motivated for the National Touch League. Getting an idea of the pace and the speed of it and the talent up here, it makes me so motivated to go back to Victoria and step it up.”“I’m always in awe of some of the players in the other teams…just the speed and the skill level, it’s just amazing. It just makes me so motivated and inspired.”The Victorian team impressed at the State Cup, reaching the quarter finals of the Women’s Open division, giving the team plenty of belief for the future. “We’ve shown that we can actually bring it to these teams and we’re not here to make up the numbers, we are here to compete. It’s disappointing getting into the quarter final and not being able to progress but we are all really hungry to come back and go further.”The side was captained and coached by 2011 Alliance Women’s Open captain, Leah Percy, who is someone Holden looks up to and hopes to emulate in the future. “Leah is probably the most inspiring athlete that I’ve ever had the privilege of being around. She’s so encouraging and positive all the time and she’s been amazing, I’m so grateful to be under her this year,” Holden said.  “A lot of people say to me ‘you’re so lucky to be around Leah when you are so young’ because they’ve gone through coaches and are sort of 21 or 22 by the time they’ve been around a coach like that so I’m just grateful to have her around, she’s been great.”last_img read more

10 months agoChelsea defender Azpilicueta buzzing after Man City win

first_imgAbout the authorPaul VegasShare the loveHave your say Chelsea defender Azpilicueta buzzing after Man City winby Paul Vegas10 months agoSend to a friendShare the loveChelsea defender Cesar Azpilicueta was delighted with the manner of their victory over Manchester City.The Blues are buzzing after ending City’s unbeaten run.”Every team is different. Every team have different players. We beat City in our own way. Other teams must do it their own way,” said Azpilicueta.”City are so good that you cannot let them dictate the game. After three defeats in two games, people were starting to talk about us (negatively) so to beat City was a big moment for us.”Now people are talking about us beating City but it’s only three points.”Three points against City is the same three points if we beat Brighton on Sunday.”The Spaniard also told the Daily Mail: “Was it my best performance in a Chelsea shirt? I’ve been here for a long time, so it’s hard to say. I’d prefer to focus on the team.” last_img read more