iBall Slide Wings 3G Android 5.1 Tablet Launched

iBall Slide Wings

iBall is offering you their latest 3G Android 5.1 tablet namely the Slide Wings. As part of the Slide series, this budget-minded tablet features an 8.0-inch 1280 x 800 IPS multi-touch display, a 1.3GHz quad-core processor, a Mali 400 GPU, a 2GB RAM and a 16GB of expandable internal storage (up to 32GB).

Coming with dual SIM card slots (w/ voice calling capabilities), the tablet sports a 2MP front-facing camera, a 5MP autofocus rear-facing camera with LED flash, an FM radio, a 3.5mm audio jack and a 4300mAh battery.

Running on Android 5.1 Lollipop OS, the Slide Wings provides 3G HSPA+ (via SIM card slots), WiFi 802.11 b/g/n, Bluetooth 4.0, GPS and USB OTG for connectivity. The iBall Slide Wings is available now for Rs. 7,999 (about $119). [Product Page]

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Alice Smith at Lincoln Center Out Of Doors

AFROPUNK’s Girrrl Riot featuring Alice Smith brought out an enthusiast audience of fans for pop and soul singer Alice Smith.

Smith is a bit hard to pigeon-hole, as she explores any number of different genres. She’s a complicated mix of voices, a bit Beyonce – a bit Norah Jones. AFROPUNK presents a concert full of strong women, described by the New York Times as America’s “most multicultural festival,” Smith’s powerful vocals galvanized the crowd at Damrosch Park – with stark and explosive vocals and an emotionally stunning performance.

For Smith, it was a return home – as she told the audience she’d been a student at Fordham University not that long ago.

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Photo Credit: Steven Rosenbaum / Getty Images

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Photo Credit: Steven Rosenbaum / Getty Images

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Photo Credit: Steven Rosenbaum / Getty Images

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Photo Credit: Steven Rosenbaum / Getty Images

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Photo Credit: Steven Rosenbaum / Getty Images

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Is Reverse Mortgage Beneficial for Retirees? Check it Out

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The average debt held by senior citizens has increased to $50,000 in 2010, up by 83% since 2001. People over the age of 65 are facing a tough time in paying their mortgages due to mounting debt levels.

In 1992, only 24% of homeowners above the age of 62 had mortgage debt. In 2010, the number went up to 42%.

According to New York Fed consumer credit panel data, the average student loan balance grew 886% between 2003 and 2015 for 65-year-old.

According to National Retirement Index (NRRI) findings, ‘52% of households are at risk of not having enough to maintain their living in retirements.’

Many senior citizens struggle to meet their ends each month. Despite having a self-owned property, they can’t take any action to ease off some debt mountain. With a mortgage payment, the available cash keeps on decreasing.

According to Accenture study, $30 trillion will be transferred by baby boomers to their heirs.

With the rising costs of medical treatment, inflation, lack of regular income, increasing life expectancy, converting the home equity into cash turns out to be a lucrative option for the retirees.

For seniors, home equity is a valuable resource for the living a decent quality of life.

How can the seniors avail this opportunity?

With the help of home equity conversion mortgage (HECM), popularly known as a reverse mortgage, senior citizens ( age 62 and older) turn their home equity into a lump sum of cash, line of credit or monthly cash payment.

With a traditional mortgage, the borrower makes payments to the lender with the property as collateral. If the borrower defaults, the lender has the right to sell the property to clear the mortgage debt.

According to U.S. Department of Housing and Urban development, seniors seeking for reverse mortgage must fulfil the following conditions:

  • Be 62 years of age or older
  • Own the property outright or paid-down a considerable amount
  • Occupy the property as your principal residence
  • Not be delinquent on any federal debt
  • Have financial resources to continue to make timely payment of ongoing property charges such as property taxes, insurance and Homeowner Association fees, etc.
  • Participate in a consumer information session given by a HUD- approved HECM counselor.

Benefits of Reverse Mortgage Plan:

  1. According to Internal Revenue Service (IRS), The payment received are free from the income tax because it is considered as a loan, not income.
  2. The payment doesn’t affect Social Security or Medicare benefits.
  3. The borrower doesn’t owe more than the house real value, even on getting payment more than worth of the house.
  4. If you think lender takes over the ownership of borrower’s home, you are under the wrong impression. Apart from being responsible for payment of the repairs, taxes, and maintenance, borrowers retain the title to their home.
  5. HECM borrower don’t need to make the payment until he/she sells the home, passes away, move out or fails to fulfil the terms of the mortgage.
  6. Reverse mortgages are non-recourse loans. If the borrower defaults on the loan, the lender can’t use borrower’s other assets to meet the outstanding balance on the loan.
  7. The equity, left after paying the cash, interest and other HECM finance charges, are transferred to heirs. Most importantly, there is no transfer of debt to heirs or estate.
  8. Reverse mortgage is insured by the U.S. federal government and is only available through an FHA approved lender.

It’s always good to seek the expertise of a qualified financial advisor before applying for such a mortgage plan.

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Planex CS-QR220 WiFi-Enabled Network Camera

Planex CS-QR220

Planex hits back by bringing you their newest WiFi-enabled network camera, the CS-QR220. This compact network camera is equipped with a 1MP 1/3-inch CMOS image sensor (w/ f2.0 aperture), a 99-degree wide-angle lens, a WPS button, a microSD card slot (up to 32GB), a LAN port and built-in microphone/speaker.

In terms of connectivity, it provides WiFi 802.11 b/g/n for remote monitoring via smartphone. Other highlight include Motion Detection function – automatic recording when there is motion in the video.

Finally, the CS-QR220 can record 1280 x 720 HD video @ 15fps in H.264 format. Measuring W77mm x D54mm x H102mm and weighing 217 grams (w/ stand), the Planex CS-QR220 is available now. [Product Page]

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On Your Feet Writer, Birdman's Oscar Winner, Alex Dinelaris "Flies Back"–to School


Birdman’s
protagonist Riggan did a fair amount of flying, with no one quite sure to what end. But after his almost Sisyphean start, Alex Dinelaris Jr.’s star continues to ascend. Last year I was fortunate enough to interview the break-out writer at possibly the most exciting time of his life. Birdman had just been released to spectacular reviews, culminating in multiple Oscar nominations and wins, including his win for Best Original Screenplay. Our interview can be read at…

http://www.huffingtonpost.com/melody-breyergrell/in-theaters-coming-soonbi_b_6899548.html

As of now, Alex’s Broadway story of Gloria and Emilio Estefan, On Your Feet!, is enjoying a successful Broadway run. With the TV show The One Percent (created by the Birdman team and set to air in 2017 on Starz), plus a new film Entering Hades, starring Michael Fassbender, Alex has not forgotten his Alma Mater, Barry University of Miami, or them him.

When Alex graduated high school, he had applied, and was accepted into several colleges but couldn’t afford any of them. He kept in touch with his high school drama teacher, Russell Siller, who strongly recommended him to Patricia Minnaugh–a Barry alumna who was then teaching at the University. Because of his high school teacher’s conviction that Alex had a talent that should be given a chance, Patricia flew him down for an audition. Long story short, Barry U accepted him and gave him a scholarship. Alex credits Barry with “saving his life.”

“Barry gave me a stage and the freedom to work.” Due to circumstances complicating his life at the time, Alex wasn’t able to complete his degree and left after two years. Twenty years later, in acknowledgment for his achievements in the arts, Barry presented Alex with a doctorate in fine arts.

“My biggest regret was not finishing University. With this degree, I felt I’d completed something hugely important. I was the first in my family to graduate. Wearing a cap and gown in front of my family and daughters was a very significant moment.”

While contacting Alex for comment on this honor, I learned that he was just a bit busy that night, but he was not attending an award show, or sitting down to plot out his next hit. Alex was on his way to another sort of graduation. He has somehow carved out the time to work with a program named “Open Doors.” The organization provides an opportunity for students to experience Broadway theatre–kids who wouldn’t otherwise get to do so. Founded by the late playwright Wendy Wasserstein, twenty-four selected New York City schools are paired with a distinguished theater and dance professional, each of whom mentors a group of eight students per school. Throughout the school year, the students attend six live performances. Each performance is followed by a 90-minute discussion over food with their mentors. The students also keep journals to reflect on and document their experiences. At the end of the year, Open Doors celebrates with a ceremony to honor all participants.

“I got involved with Open Doors when the legendary Broadway and televisions actress, Kathleen Chalfant, asked me to substitute for her. I met the kids and saw how important the program was in opening up new worlds to them–a sense of self-esteem and the realization that they belong in the world of culture. I volunteered to be a mentor the next season and am now in my third year.”

Alex also made an appearance with the TED organization, celebrating his father, a man who might not have had the education Alex had, but certainly put him on the road to his calling. The funny and touching video can be brought up on…

https://www.youtube.com/watch?v=1k3g8iInCJQ

I highly suggest taking a gander. Like many folks in the performing arts, Alex’s dad was a real character, for without such family members what would we have to write about?

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How Fintech Is Changing The Way We Handle Money

Not too long ago our only access to financial services was our high street bank, which regularly involved costly time-consuming processes, and our only means of paying for goods and services were using cash or a credit card. However, since the emergence of new innovative financial solutions provided by the fintech sector we now handle our money in a more efficient, cheaper and more convenient way.

We bank digitally

Waiting in line at your local high street bank to pay your bills has become a thing of the past for many banking customers today. With the rise of online and mobile banking, many customers, especially millennials, prefer to conduct their banking via their bank’s online banking platform or smartphone app.

Some consumers have taken it a step further and have become customers of digital-only banks, such as US-based Simple or Germany-based Number26, and no longer bank with traditional high street banks.

We pay using our mobile phones

With the emergence of mobile payment services such as Apple Pay, Android Pay and Samsung Pay and consumers can now pay for goods and services in stores using their smartphones. The way all of the above mobile payment services is work is by scanning your debit and credit cards using the apps and storing their details in your phone. Then, once you make an in-store purchase you open the app and simply tap or hold your phone over the NFC-enabled (contactless) credit card terminal at the point of sale.

Mobile payment services are a natural progression of the digitalization of services and the gradual move towards a cashless society. In the United States, Apple Pay and Android Pay have witnessed fast adoption as consumers are starting to prefer to use their smartphone to make financial transactions.

We borrow from our peers

Until recently, if we needed a loan for personal or business purposes we had the choice between going to the bank or reaching out to a credit union. Both of these options require the borrower to possess a good credit score so that he or she can receive a loan at a reasonable interest rate. In many cases, however, no loan will be approved as banks have reduced lending to small businesses and individuals since the 2008 financial crisis.

However, out of the fintech sector, a new form of lending has been created called peer-to-peer lending. Peer-to-peer refers to a way through which individuals and small businesses can borrow money from a large number of individuals without the use of a traditional financial intermediary. This enables debt financing for those who are finding it hard to secure a loan from a bank or credit union. On the other hand, those who lend money through peer-to-peer platforms can generate strong fixed interest investment returns.

To borrow via a peer-to-peer lending platform, the borrower has to sign up to the platform, state the desired amount he or she requires and undergo a due diligence process so that the peer-to-peer lender can assess his or her ability to repay the loan at full. Once, the borrower’s application has been approved and the borrower agrees to the terms of the loan it will go online and individuals can lend to the borrower via the peer-to-peer lending platform.

We make international money transfers online

If we wanted to make international money transfers in the past we had the choice between making a wire transfer using our high street bank or use remittance corporations, such as Western Union or MoneyGram. Both of these options involve high fees, which reduce the amount of money we want to send.

This is an issue that has been addressed and resolved by several fintech companies, which provide substantially cheaper international money transfer services than its peers from the traditional financial industry. Companies such as WorldRemit, Azimo and TransferWise offer low-cost international money transfers for both individuals and SMEs through their online and app-based platforms.

The way we handle our money has changed in the last decade as fintech has provided consumers with new ways to conduct financial transactions. It will be interesting to see how the future of money management will look like.

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7 Design Choices to Improve Your Workplace Productivity

One of the most important functions of an office is to keep your team members working together in close proximity, theoretically improving morale and teambuilding by keeping your workers face-to-face, and improving communication and focus so your workers can get more done. If you create an office environment that your employees love, they’ll thrive, helping you achieve more of your goals and sticking with your brand longer.

You can increase productivity and morale by selecting the right candidates, building a more cohesive brand and providing incentives for jobs well done, but don’t underestimate the impact the design of your workplace can have on these factors.

Design Choices for Better Productivity

These are some of the ways your design choices can measurably improve the productivity or morale of your office–or even both:

1. Include more natural elements

Many modern office designs have a certain sterility about them, with flat coloration and almost annoyingly perfect shapes and structures. If you want a more down-to-earth, organic feel, you should include more natural elements in your office landscape. For example, wood finishes can give your interior space a much cozier, naturalistic feel. Though personal preferences may vary here, this natural approach can have a drastic impact on the overall productivity of your office.

2. Introduce more plants and greenery

Speaking of including natural elements, try to include plants and greenery in your office if you can. Even if you only have a handful of potted plants around the office, the difference it can make to your environment is extraordinary. The additional colors make your space feel more alive, and depending on what plants you choose, they may be able to serve as natural air filters, improving the atmosphere of your office. These aren’t particularly expensive or intrusive, so you have no reason not to adopt a few of them.

3. Seek an open office design

Not all people work the same way, but there’s some evidence to suggest that more communication and collaboration happen in open-designed offices. Traditional designs keep people isolated from each other in an effort to improve focus and individual dedication. However, these can also be, for lack of a better phrase, soul-crushing. Try tearing down the walls and opening up your office space to more internal communication. Your team will thank you for it.

4. Offer multiple desk options

Again, not everyone works the same way, so the more options you can give your team the better. If you can, offer both standing desks and sitting desks, and offer desks of different styles, sizes, and positions throughout your office. This is a tough matter to solve democratically in some cases, but encourage your employees to choose the desks they feel are best for their respective work styles and preferences. You’ll notice a big difference in their performances.

5. Showcase art on the walls

When you’re staring at a screen for hours at a time, your eyes (and brain) need a break. One of the best ways to provide this break is to showcase pieces of art on the walls. These don’t have to be about any particular theme; in fact, abstract art is often the best choice here because it allows the mind to wander. Art is a perfect tool to help your employees’ brains decompress, fostering greater creativity and critical thinking that they can use to tackle their next projects.

6. Have interactive and fun features

It’s boring and tedious to come into the same tired office every day. In turn, this lowers morale, and eventually, your employees don’t work as hard. Fortunately, you can fight back against this by providing more interactive features throughout your workplace, such as boards where employees can express themselves or interact with things others have posted or said, or games employees can play with each other, like billiards or ping pong.

7. Create a break room that’s actually relaxing

Breaks are essential for maintaining productivity, but too many offices skimp on their break rooms, turning them into uncomfortable, lifeless pit stops for employees to fetch more coffee or microwave a meal. Instead, liven up your break room with interesting features, things to do, and mediums that encourage social interaction. This is a place where your employees should feel comfortable getting away from work; do this effectively, and they’ll return to work even more productive (not to mention happier).

Making the Transition

If you’ve been in your current office for many years, or if the changes on this list seem strange or foreign to you, you may be reluctant to give your office a full makeover. After all, there’s no guarantee that these tactics will work for your business and your employees specifically. However, if you want to see a change and gradually improve your cumulative productivity, it’s important to make changes when you can. Take things one step at a time, making small adjustments before renovating the entire office space. Even small differences can make an impact to your workers.

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Honest Advice on Funding your Startup

If you’re an entrepreneur it’s hard not have fallen in love with HBO’s Silicon Valley. It’s arguably the most authentic look at the trials and tribulations that we startup founders have to face on a daily basis – despite being satire. While I could go on and on about how this series speaks the truth, one of the most interesting topics discussed on the show is how the fictional company, Pied Piper, receives funding and the effects that it has on the team.

As the series demonstrates, funding is both a blessing and a curse. While it’s vital that your startup raise money to help it scale, it also comes with cons like losing control over your company to potential investors.

While there are plenty of reasons why self-funding is popular, founders have realized that by going in this direction they’re able to retain control of their company and be more careful with spending. Self-funding also allows them to be more creative since they have to think outside of the box and it gives them more time to work on their business, instead of preparing and meeting with investors.

Sweat Equity: Bootstrapping 101

With bootstrapping it’s important that you start generating revenue as soon as possible. Guy Kawasaki suggests that you must focus on cash flow, not profitability though. “The theory is that profits are the key to survival. If you could pay the bills with theories, this would be fine,” Kawasaki writes. “The reality is that you pay bills with cash, so focus on cash flow.”

“If you know you are going to bootstrap, you should start a business with a small up-front capital requirement, short sales cycles, short payment terms, and recurring revenue. It means passing up the big sale that takes twelve months to close, deliver, and collect. Cash is not only king, it’s queen and prince too for a bootstrapper.”

Another popular train of thought to follow is that of The Lean Startup written by Eric Ries. The basic idea is to spend the least amount of time and money developing an MVP (Minimum Viable Product). Once you have a product built release it to the market. The market will decide whether or not your product or service holds real value to your customers. If it does, you can look to fully develop the rest of your product or service. If the market reacts negatively, you can make the decision to either make the necessary tweaks or scrap the idea all together. While it’s never easy for a founder to let go of their “baby”, it is most definitely worth doing considering the amount of time and money saved.

Most importantly, keep your costs as low as possible. For example, you don’t need to purchase or rent an office for the time being. You can hire a remote team of freelancers, which also reduces employee expenses so you don’t have to hire them full-time, and work from home until.

You should also take advantage of free tools like;

  • Google Drive for sharing and collaborating on files.
  • Skype and Slack for communicating with team members.
  • Insightly for project management.
  • Zenefits handles all of your HR needs.
  • Revcontent to increase your website traffic.
  • Due for financial tools and payments. (personal company)

That is by no means an extensive list. These are just a handful of free tools to help you get started.

Finally, if you do need to secure more funding, there are other ways to raise money without dazzling investors. You can turn to your friends and family, obtain grants, enter a contest, or work a side gig until the startup takes off.

Bootstrapping isn’t anything new either. Steve Jobs and Steve Wozniak bootstrapped Apple in its early days. I’m sure no one would argue with how successful that turned out for them.

The Importance of Traction

At some point, you will have to do some sort of funding for your startup if you want to scale properly. And, that’s when traction becomes your best ally.

Danny Wong of the Young Entrepreneur Council (YEC) in Forbes argues, “the most important thing is traction (how far you’ve come on your own), whether it’s six weeks, six months or six years.”

Crowdfunding is also a great way to raise funds. It allows you to raise non-binding capital while acquiring your first wave of early evangelists for your product or service.

In most cases your company will get to the point where a large funding round is required in order to take your start-up to the next level. Until then however, stay lean, mean, and bootstrap your way to the top!

 

Honest Advice on Funding your Startup was originally published on Due Invoicing blog by Chalmers Brown.

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What Hillary Clinton's Nomination Means To Women Through The Ages

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2016 Nominees Leave Conventions Without 'Protective Pool' Of Journalists

PHILADELPHIA ― The Republican and Democratic presidential nominees will hit the campaign trail following the summer’s political conventions without the customary “protective pool” of journalists covering their daily movements.

The White House Correspondents Association oversees the pools and their rotating cast of reporters who follow the president every time he leaves the White House, whether to attend a fundraiser, appear at a meeting, or play golf. Importantly, a reporter would be present to bear witness in the event of a threat against the president’s life or a history-making moment. 

Reporters, who share their dispatches with other members of the correspondents association, track even seemingly mundane details, from what the president wears or buys, to exactly when Air Force One lifts offs and lands. (Here’s what the reports look like.) 

Past presidential candidates have received this daily, even hourly, scrutiny when it becomes apparent they will be their party’s nominee, and perhaps, the next president. Then-Sen. Barack Obama’s protective pool coverage began in June 2008, and his rival, Sen. John McCain (R-Ariz.), followed in July. Obama accepted his party’s nomination in late August and McCain in early September.

The 2012 Republican nominee, Mitt Romney, received protective pool coverage in early August of that year. Though still weeks before the Republican nomination, the Los Angeles Times noted the arrangement was considered to be coming late, as reporters had been requesting the pool since Romney became the presumptive nominee months earlier.

Reporters rely on the campaigns to provide logistics for pool duty, such as when the nominee is coming or going on days when there aren’t planned public events. 

Representatives of the White House Correspondents Association met with Donald Trump campaign officials in May, and with members of Hillary Clinton’s team earlier this month over logistics. Jeff Mason, a Reuters correspondent who is president of the correspondents association, told HuffPost it’s his organization’s role is “to kickstart the discussion and then hand over to the campaign reporters.”

There have been talks among reporters and both campaigns, but no agreements. 

Neither the Trump campaign nor the Clinton campaign immediately responded to requests for comment.

The Trump campaign began using a press charter last week, which now allows news organizations ― if not currently banned by the campaign ― to follow the candidate to rallies around the country. (News outlets traditionally decide on members of the pool, which could be a stumbling block if an outlet seeking to join is currently on the Trump campaign’s blacklist). 

The addition of a press plane has been helpful for reporters on the Trump beat. But a protective pool is different. A rotating protective pool reporter would fly on the same plane as Trump, just as a White House pool reporter boards Air Force One with the president. 

The Clinton campaign has had a pool system established for or several months in which reporters rotate to cover the candidate during events that can’t accommodate the full press corps. But Clinton has no protective pool, which would include having a reporter on duty even when there aren’t planned events and aboard her plane when she travels.  

McClatchy reporter Anita Kumar, who chairs the Clinton print pool of 17 news organizations, told HuffPost in an email that the group “expected to establish a protective print pool immediately after she had secured the nomination” on Tuesday.

“We continue to work with the Clinton campaign in the hopes that we can establish a protective pool as soon as possible,” Kumar wrote. “We have stressed to the campaign that in past election cycles a protective pool was formed immediately after the candidates had secured their party’s nomination, and in some cases, before the convention.

“We believe we should have at least as much access to the two candidates ― one of whom will be the next president of the United States ― as in previous election cycles, not less,” Kumar said. 

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