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Monday, September 17, 2018

Cell Phones - Some Considerations of the Cell Phone of the Future






Cell phone technology has been moving forward at break neck speed, and sometimes we may not notice it, but think back to just a few years ago and you can see all the new feature integration and race in the marketplace - a race to "wow" consumers and get them to choose a specific device. But before we talk about the current trends in cell phones and smart phones, let's discuss the past evolution of these devices.

Since, I had one of the first mobile "cell" phones - I'd like to tell you a quick story to start out this discussion.

My first cell phones were state-of-the-art at the time, but if you saw them today, you'd laugh. One of them I actually kept; a Mitsubishi Transportable. This phone is about the size of a six pack cooler that you might take to your child's soccer game, and it was quite heavy, as I recall it is well over 10 pounds. This of course included the battery pack to power up to 3 Watt phone.

Remember that Ion-lithium batteries at the time were just coming off the assembly lines and were quite expensive - they did not exist in this size for anything but NASA and military usage. These original cell phones I had been nickel hydride powered, quite an inferior battery technology for modern cell phones.

The Mitsubishi Cell Phone has a strap on it so you can carry it like a purse, and I often felt really stupid carrying it, until of course it rang, and I unzipped the top, pulled out the handset on the phone and began talking. I can recall that everyone stared as if I was a secret CIA agent, was working for MI6, and my name was not Lance, it was really James Bond. You see, at that time not very many people had the cell phones and they were very expensive.

Another one of my first phones was a Audiovox 1000 model, which was quite large and it was mounted in my car, a car phone - cell phone. The box that ran the Cell Phone was mounted under the seat, and there was a cradle that held the headset. The headset had a cord on it just like a phone at home, before the cordless phones that is. Under the seat the box was about 3 1/2 inches high and the size of a laptop with a 17.1 inch screen.

This Cell Phone or car cell phone was wired directly to the battery with a couple of fuses. When I turned on the vehicle, the Cell Phone would automatically turn on. If I turned off the vehicle, I had to leave it on accessory with the key in the right position, unless I left the phone on which by-passed the ignition. When the phone rang and actually honked the horn, which got me into trouble a couple of times when the horn went off while I was driving behind a police car stopped at an intersection. I have a lot of stories to tell you about all those early days with the first cell phones, and you may e-mail me if you are ever interested in such experiences.

Folks today take all this for granted, as they do not realize how cumbersome the original cell phones were, or how stupid they were compared to modern day smart cell phones. Today they give you a free cell phone when you sign up for service - back then you had to pay $ 1000 for a car cell phone, and as much as a couple hundred dollars to have it installed. It was quite a procedure, if you have a stereo system, and an XM radio put in your car at the same time, that is about how much work it took to do this. Therefore, at today's labor rates you could easily pay three or $ 400. That's definitely something to think about.

If I was talking to someone on the phone while the engine was running, if I turned off the car and moved the key to the accessory position I would dump the phone call, as I cut it out during that transition. However, having a cell phone in my car helped me increase my business. At the time I was only 17 years old - I had an aircraft brokerage firm and aircraft finder's service and I would work off of fees whenever an aircraft that I represented sold. I also had a small aircraft cleaning service and was able to contact customers from my vehicle on the flight line, and my crews could call me when they were done with the job as they would use the local payphone to call me.

Thus, this mobile technology allowed me to make more money, and remain more efficient than the competition. Remember at the time this was leading edge technology, it was state-of-the-art, and I had it - the competition did not. No longer was I stuck in an office, I could run my business from anywhere and it allowed me much freedom. Often people today do not realize what it was like before mobile cell phones. Anyone who is in business now over the age of 50 certainly realizes, because they remember a time when there were no cell phones.

This was a period in our nation's history where there were pay phones in every shopping center, every gas station, outside of every fast food restaurant, and people used them all the time. Business People who did not smoke filled their ashtrays with coins so they can stop and use the pay phone. Thus, allowing them to call clients, customers, vendors, and maintain their operations in the office. When cell phones first came into play they displaced the old Motorola technology of push to talk phones, which worked off a mountaintop repeaters, these phones were very big in the military, construction industry, and all the executives with large corporations had them.

Since this radio technology, they worked farther than the first cell phones which had to be within 10 to 15 miles of a cell tower. Today, the cell phones are less wattage than they were back then, so the average cell tower is 6 miles or less apart. Back then the cell phones worked off three Watts, and now with 3G technology the wattage is under 1 W. This is probably good for the human biosystem, as it is putting less microwave frequency radiation into your brain, there will be fewer brain tumors, brain cancer, and other issues. There have been many studies including several with the Swiss researchers who seemed to indicate that the 3 W phones were quite unacceptable for human health, and they would slowly cook your brain as one researcher said.

Luckily, for the cell phone industry that were able to bury most of these problems and objections, as well as the studies that the Swiss did. Although, there were studies here in the United States, you would be hard-pressed to find those research studies and data on brain tumors, brain cancer, and their relation to the cell phones that people used. In fact, if you go to Google Scholar today you will be hard-pressed to find anything that would suggest that the cell phones could cause such horrible conditions. This of course is all still up for debt, but we try not to talk about it.

Sometimes, by going to 3G wireless, and lower wattage the mobile cell phone industry dodged a bullet of huge class-action lawsuits, and we may never know the damage we had caused. As we speak about Six Sigma efficiency in corporations, or using modern management techniques in small businesses, no one can deny that increasing communication speed and reliability is by far a factor in the increase productivity in the 80s and 90s due to cell phones.

At the time I was literally running 1000 to 1200 minutes per month and despite that service was much cheaper than the other choices such as the Iridium Satellite Phones, non-cell phone mobile units, as they did not use cell towers, rather satellites - you can imagine the costs of the original cells. They did not have an unlimited plan and once over your minutes, you paid the premium for each minute on that cell phone, my bill was usually $ 500 to 800 or more.

The other mobile phones at the time were not cell tower-based phones, they were push-to-talk and came in a brief case - it was considered quite James Bond at the time. And this was back in the 1970s, and I remember this, because I started my business when I was 12 years old washing airplanes at the local airport. Many of the businessmen who owned corporate jets had these types of phones. They were basically for the rich and famous, and business person. They did not work everywhere and you had to have pretty much line of sight to the near tall mountain, and that mountain had to have a repeater on top of it, which was hardwired into telephone lines, and the rest of the system worked with ground lines.

All this is very interesting, and we must consider that many folks today have never been alive when there were no cell phones. They have no clue how hard it was to run a business back in the days when there really was no mobile communication. The same repeater systems on top of the mountains that Motorola owned or which used Motorola hardware, also controlled the pagers. These pager systems were quite popular with people on call, such as doctors, and service personnel. Two-way radios, which work basically the same as the two-way push to talk briefcase phones, were used through a dispatcher for companies very often.

Later, just as cell phones came into play, someone came up with the idea of ​​1.5 way and two-way pagers. Instead of a one-way pager, someone who had what they call an "alpha mate" device could page someone and ask them a question (using a text message) on that page and the recipient could press a button for yes or no, Y or N. and that information would have been relayed to the dispatcher. People actually got pretty good at communicating this way. And you could send text type messages for the user of the pager to read. In reality these were the first text type messages, so the concept of having a mobile device and using text messaging is not all that new.

Two-way text messaging via cell phones is purely a re-introduction of that similar technology. Once people had cell phones they did not need to use the text pagers anymore, and that technology was leapfrogged as the price of the cell phone services was lower, as competition increased between companies like Sprint and AT & T. There were many other regional smaller players, but they ever got bought up by the big boys.

The cell phone industry grew so fast in the late 80s and early 90s, that historically there was coverage everywhere. Then something really weird happened, the promise of 3G wireless came into play, and folks started switching to that new system. I can tell you this - my first cell phones were much more powerful and worked much better than the cell phones of today.

Occasionally, I had a call dropped and there were not as many service areas, yes there were more dead zones, but the signal was much more powerful because it was 3 W, and since it ran off my car battery or a large battery pack in a small carry case, it had ample power to maintain that strong signal.

Today, when I use my AT & T cell phone, I am often cursing because the service is so bad, I wonder why I am even paying for it. In fact, the loss of productivity from dead zones, and the cell phone calls dropping, I feel as if AT & T should be paying me. Obviously, I am not alone many people feel the same way. Neverheless, the 4G wireless is on the way and everyone will be switching to that so that they will have Internet access allowing them to do e-mails, twitter, video, and real-time text messaging without the use of ground lines

A good many folks do not know of a time when there was no email or internet. And most people who are in business today, who are under 50 years old do not remember a time when we did not have fax machines, the reality is that fax machines came into play about the time of the first cell phones. Mind you, there was still no Internet, no e-mail, and although ARPANET was being used by the military, and by think tanks, research centers, and top universities, it was not really available to the public in the way we have it now.

Fast forward to today and now no one goes anywhere without a cell phone. Social researchers have noted fewer people wearing wrist watches. They do not need a wristwatch because that is a standard feature on all cell phones now. Of course, this does not help companies like Rolex who are catering to the young up-and-coming BMW crowd, if you look around you will see that most young executives do not even wear a watch and most of our youngger generation doesn 't wear a watch either.

It seems that the wrist-watch replaced the pocket watch, and the cell phones seem to be replacing just about everything. These days people use their cell phone or smart phones to do their e-mails, and these same phones act like a PDA, no one carries day planners anymore, although a few people do, myself included despite out of habit from using a day planner from the time I was 12 years old in my business until I was in my mid-40s. Perhaps, I am giving away my age, but sometimes old habits die hard.

Today with many laptop notebooks, PDAs, and smart phones, it seems none of that other stuff is needed. Including your human memory say many psychologists, who argue that this technology is causing the human brain to rewire itself differently because there are different needs to get along in the world. After all, all your best friends are on the speed dial and you do not have to remember phone numbers anymore. And all your contacts and information is on your smart phone, in your e-mail program, or on your laptop.

Cyber ​​security analysts worry that if the system crashes or God forbid an electro-magnetic pulse, neutron bomb, or nuclear device is set off high in the atmosphere it could destroy all the electronic equipment, including all the cell towers, your laptop, your television , your refrigerator, and your smart phone. Where will you be then, and can you rely on your memory and the brain you are born with to carry on your daily endeavors - scary thinking, but perhaps we need to address this as we consider the evolution of cell phones.

Today, our cell phones have changed the entire dynamics of our society. There are unspoken etiquette issues of cell phone use in public. There are rules when we can use our cell phones and when we can not. Issues such as driving with a cell phone and the number of auto deaths which occurs while people are driving and talking on the phone at the same time. There have been major disasters caused by texting while driving a bus or conducting a train.

The reality is that as our technology has evolved, it is evolving much faster than the human brain can to take it all in. Due to the multitasking required in our society to get along and the high pace and productivity that jobs require, many brains can not agree or adapt fast enough. And this seems to be a problem, if some people are not able to make the switch, but they attempt to, sometimes while driving with disastrous results.

Our smart phones are becoming super cell phones that have more and more features, such as the ability to store music like the iPod, and vast amounts of data like our electronic PDAs. These devices are getting more high-tech each and every year and they are feature rich. Many have five to ten gigabytes of information storage now. One recent study in the cell phone industry noted that 90% of the people who own cell phones have never used all the features, and do not know how to program them, or even that they exist on their cell phone. Most people do not even care, they use the features they want and none of the others.

This is a common problem with new technologies, and it is something that happened with that Beta and VHS recorders. What's that old joke, there are tons of features on your video recorder at home, but no one knows how to use them, and before we all learned that we need to learn to use these features, the VHS video recorder is out in the new DVDs are here. Now cable companies offer boxes which can record multiple shows so you can watch later or pause a live TV program while you go to the bathroom, or go to the kitchen to get something to eat. Some allow you to use your cell phone to do remote programming too.

These are all things common challenges which are encountered and similar problems with any new personal tech devices which become mass consumer products. Cell phones and our current smart phones are no exception. It's hard to say the future what types of new features in our cell phones will have. The sky is the limit, and the imagination and demand for more features and greater technology is readily apparent. The early adopters of such cell phone and smart phone technologies are willing to spend big bucks to have all-in-one devices. Therefore, these trends will continue.

Just to give you an example of some of the crazy ideas people come up with for future smart phones let me tell you a little quick story.

Our on-line Think Tank came up with a plan to produce a PhD or Personal Health Device, which tracks your diet - on your cell phone. How it worked was quite simple, when you are at the grocery store, you would scan all the items that you bought, and they would go into storage inside your smart phone. Each time you ate one of those items you would simply select what you ate, and punch in the number of servings and you would calculate and keep track of your calories, fat content, and recommended daily allowances in the major five food groups.

The smart phone would have a scanner system on it, later identical versions of this smart phone and personal health device would have been able to scan products via RFID tags. Your phone could tabulate and even recommend what you should eat, how many more oils you should jog, and what you would need to maintain your diet to meet your personal health goals, and weight loss program. Sounds crazy does not it, yes, it does, but the venture capitalists like the idea. So too, do companies that produce high tech smart phones today, as everyone is looking to get a jump on the competition.

GPS systems by way of smart phones or cellular high-tech phones is quite possible (now available), and you do not even need satellites to do it. If you are within the realm of several cell towers your location can be triangulated quite quickly, which pinpoints your exact location within 10 feet. Ah ha, you see the problem in this too; What about privacy you ask? That's a good point and that is another issue that people are quite concerned about with all this new high-tech personal smart phone innovations.

Google Phone and social networking connections appear to be on horizon. That is to say, linking your smart phone with all of your social networking friends, but apparently Google has gotten into a little bit of a problem and noted that many people are not ready for that just yet. In fact, many people who are friends on social networks and make connections, have no intention of ever meeting these people in real life, and therefore they are not really friends. And since you do not really know anything about those connections or friends on your social networking site, the last thing you want them to do is know exactly where you are within 10 feet.

That should appear to be obvious, and in the future it may not be such a big deal, but people are still a little paranoid and they like to have their privacy. Meanwhile, we read more and more articles about social networking gone bad. That is to say people using social networks to stalk other people, and this also concerns parents who have teenagers, who use social networks on a daily basis, and some use them on an hourly basis, and a good many who seem to be texting every few minutes.

One recent study of cell phone users was able to have a 93% predictability of where a person might be based on the patterns determined by their cell phone, and when it was connected to any given local cell tower. The study found that most people stay within 6 miles of their homes. These patterns of predictability are a reality in our society and how we act as individuals - suddenless this brings up all types of issues that have attracted the attention of the Electronic Freedom Foundation, and it also touches on the issue of privacy and paranoia, it catches people off guard.

Then there is the new trend with smart mobs using their smart phones, and having fun with and meeting up in various places all at the same time. Although these schemes are used for fun, entertainment, and socializing, these same types of smart mobs have the power to destabilize a society or civilization. Consider if you will use the technology in Tiananmen Square - should governments be worried about your smart phone technology, or the future of 4G wireless cell phones? They probably should be concerned with it, especially if it is used by a foreign government to provide mass protests against what would be a normal stabile government.

In other words it has used in warfare, the CIA, in bringing down corrupt regimes which are enemies to United States. But rest assured - the same thing could happen in the United States where perhaps a communist rogue nation state decided to have protests in the United States in our major cities on Mayday. It could easily happen especially with our own technology being used against us, due to all the interconnectivity that it offers.

  1. Does this mean that our government has to find a way to turn off all the cell phones in case of something like this happening?
  2. Do they need a device to turn off certain cell phones from the system, while leaving first responders cell phones activated for communication?
  3. And what about hackers, which might be able to send out tens of thousands of bogus text messages, or call masses of people into a trap, or stage a rifle?

These are all questions we need to answer and we need to understand that the same technology we create to improve our productivity, our society, and help us in our daily lives with our families and friends can also be used against us.

And what happens when our smart phones become smaller than us? Some believe, as I do, that they already have. Most of the smart phones today have artificial intelligence systems within them, for instance a text messaging program which guesstimates which keys you are going to press next or what you are trying to say and it offers you suggest is so you can fill in the blank. Making your texting very quick. This is very similar technology that Google uses when doing a search and offer suggestions as you are typing to save you time. This is just one form of artificial intelligence in our smart phones and cell phones today.

There are many cell phones that allow you to use speech recognition to dial phone numbers, search your databases, or navigate the screens on your cell phone. The newest smart phones will be able to tell you when you are in proximate to a Starbucks and then give you GPS directions to find that location. This has big implications for retailers, advertisers, and consumers alike. They will begin to know your patterns and habits. All these technologies are available now and we will see them in the near future. Your cell phone will even become a payment device, hooked to your credit card information. All this technology exists today.

But what about the technologies which are just over the horizon?

We've recently seen at Comdex and CES shows the first generations of projection cell phones, that is to say video conference enabled cell phones which allow you to project to the other party onto the nearest wall or onto a table so you can watch. This will obviously be followed by the Holographic cell phones, which were similar to those that we saw in the Star Wars trilogy.

All these things will be available in the next five years, and you will most likely have them if you buy one of the high-tech cell phones in the near future. At first these technologies will cost a lot extra, but those prices will come down as the number of units built goes up and as more Chinese also purchase their first cell phone, adding another billion people who own such devices, therefore bringing the cost down for everyone - significantly!

By the year 2025 your cell phone will be a brain chip inside of your head, and you can think that you'd like to contact someone and it will dial the number and contact them. By 2050 you will be able to do thought transfer via the small devices, brain implant - perhaps smaller than a dime. And people born after that will never know what time were "thought transfer" did not exist, just like right now there are many people who have never known a time when mobile phones did not exist. And since Moore's law also looks to apply to the cell phone and smart phone industries we can expect a size reduction as well as a power reduction to run this technology.

In other words, your biosystem will be able to power up your brain cell phone chip, just as it does your current human brain which works on about a maximum of 20 W. of energy, and you will be able to have an eyelid screen, so you can close one eye, and surf the Internet. It's hard to say what the Comdex and CES Show in Las Vegas in the year 2025 will look like, it is probably impossible to pinpoint what these shows will look like in the year 2050. In fact, there may not be shows at all, you may be able to experience these trade shows in your holographic living room, video gaming center.

Walking the virtual halls of the trade show using your avatar and talking to other avatars explaining all the new technologies that are available for you may have the new reality albeit an Augmented or fully Virtual Reality. That appears to be where we are going, although it's hard to imagine considering where we are today. Neverheless, I can assure you people in the 1950s could not really have imagined the way in which our smart cell phones have evolved in the present period.

Currently, there seems to be a very big push in the larger cities like Atlanta and Dallas, Los Angeles and Seattle, Boston and New York, Miami and Houston toward the 4G wireless, obviously this will continue. That is the full broadband Internet surfing on your smart phone, the ability to watch TV while driving in a car on your cell phone. And next comes the ability to project that TV onto any screen or flat surface that is nearby or available. The technology is getting more robust, it's getting smaller, it's getting smarter, and you have to decide how far you want to go with it.

Perhaps, I should write a quick eBook on this topic and explain chapter by chapter, the evolution of this ominous communication technology, and the future of smart phone personal tech devices. Let me know if you know any interested potential co-authors.

At the current pace we are moving, and at the speed in which we are interfacing with the Internet, social networks, e-mail, and television, it's hard to say exactly what you will be carrying around in the future in your purse or pocket , but I daresay it will be something that is truly incredible, and in the next 10 years it will be very imaginable from this point in time to know exactly what it will be, or what it might be able to do. I hope you will please consider all this. And contact me if you'd like to discuss this further at the Online Think Tank.






Natural Language Processing






It was not long after someone came up with the idea of ​​a robot that people wanted it to understand human speech and text. It was a dream that could only be found in the pages of science fiction books and short stories, or observed in movies. Known as Natural Language Processing (NLP), the concept of a computer understanding human speech and text is now here.

It is not an easy task to achieve. First, there is the problem of human's speaking in a concise manner so that a machine can understand. Second, the problem of words that sound the same, but have different meanings like weigh and way, weight and wait, etc.

How Natural Language Processing Works

Processing the spoken or written word relies heavily on Big Data, large amounts of structured, semi-structured, and unstructured data that can be mined for information. Computers can quickly go through the data, analyze it, and find patterns or trends. Initially, NLP relied on basic rules where machines using algorithms were told what words and phrases to look for in text and then taught specific responses when the sentences appeared. It has evolved into deep learning, a flexible, more instinctive method in which algorithms are used to teach a machine to identify a speaker's intent from a series of examples.

In the evolution of NLP, algorithms have been historically bad at interpreting. However, now with improvements in deep learning and AI, algorithms can now successfully interpret.

If you own an Amazon Echo or a Google Home, then you are interacting with artificial intelligence and NLP. Moreover, it is already being used in all sorts of business applications including manufacturing, business analytics, customer relations, human resources, and healthcare.

NLP, AI, And Businesses

In the coming years, Natural Language Processing and Artificial Intelligence will impact five areas of healthcare.

  • Clinical Data and Administrative Assistants
  • Data Mining and Extraction
  • Market Analysis
  • Real-Time Translation Services

In customer service, the use of NLP can help determine customer liabilities for future sales. There will be no need for customer surveys. Instead, mining systems will offer deeper insights about a customer's feelings. Chatbots will allow human customer service personnel to concentrate on other types of calls.

NLP will help human resource departments to recruit job seekers, will make it easier to sort through resumes, attract more specific candidates, and hire more qualified workers. NLP in spam detection will keep unwanted emails out of an executive's inbox. It can also be used to "read" tweets and determine whether they are good or bad for a company so that customer concerns can be addressed.

NLP And Social Good

NLP and AI can help prevent school shootings. For example, Columbia University researchers have processed 2 million tweets posted by 9,000 at-risk youth to determine how language changes as a teen gets closer and closer to committing a violent act.

There are so many uses for NLP now and, no doubt, as the technology expands, more can be achieved.






Effects of Technology on Education

Education has changed significantly in the last twenty years. One of the main reasons education has undergone so many changes is because of technological development. In 1990, computers and other forms of technology served a minimal role in the classroom. Today, many if not most college students attend class with a laptop. I am writing about some of the biggest advantages technology cave to education.

Technology has made research much easier. Before online Encyclopedias, Google Scholar, JSTOR, and other online research tools were available, students were forced to spend numerous hours in the library. With the new tools, students can conduct research faster in the comfort of their homes. With Google and other search engines, students can find relevant information faster and more efficiently. Also, there is no more need for intensive memorization as information is more readily available.

New also technology allows for a faster, more efficient, and more interactive classroom experience. With Powerpoint presentations and projectors, there is no need for blackboards and whiteboards. With clickers, students can take quizzes during the classroom.

These developments also help improve improving training services. Online tutoring programs are becoming available. One-on-one in-home tutoring programs are also being aided by these developments. Tutors can bring laptops to sessions allowing them to look up information, and show examples to the student more easily.

Wi-fi technology allows students to study in more comfort and a more ergonomic setting.

New mathematical software such as Maple and Mathematica allows students to make a computer algebra computations more easily. Software like Matlab and Scilab allows students to make numerical computations more easily. There is no more need for a line rule. Advanced Texas Instrument and Casio calculators allow students to solve equations and produce graphs. Online software such as Webassign allows students to submit mathematics assignments online with instant feedback.

The internet allows students to read books and educational supplements at home. There is no need to go to a bookstore or library. Since many of these sources are open source or funded by advertising, students can access these materials for free. Wikipedia, Wikibooks are good examples. Students can learn more without leaving their house.

Image applications and job applications can now be complete online. Students can deliver important paperwork to universities and employers at a much faster rate.

Online education allows more students to get an education. Handicapped students, students that have to travel a lot, and students with jobs can now complete their degrees where they go with a flexible schedule and often at their own pace. Due to its lower costs, online education also benefits lower-income students.

Technological development allowed the creation of new IT jobs and improved economic development in general.

Not all effects of technology on education are positive. Technology also allows students to cheat more easily. However, new technology allows instructors to detect plagiarism. Technological developments can also discourage critical thinking since answers are more readily available. Technology also encourages students to spend their time doing other activities such as playing video games and participating in social networking.

Overall, technological development in the 1990s and 2000s appears to be beneficial to education. Currently, technology improvement follows Moore's law which states that computers become twice as efficient approximately every two years. Today, one can purchase a well performing personal computer (without a monitor, software, and other accessories) for as low as $ 123.99. Recently, I have not spent over $ 250 on a desktop computer and it allowed me to do very advanced computations like high-sample Monte Carlo algorithms. If the trend continues, students all over the world will be able to afford desks and laptops contributing to a better global education.






Alternative Investments in Finance






Alternative investment involves investment in assets other than the traditional products of stocks, bonds or cash. These assets include the likes of art, antiques, wine, coins or rare stamps - in other words, rare items. Financial assets like commodities, private equity, hedge funds and financial derivatives are also accommodated in alternative investment. Due to the complexities in their nature and the regulations and the illiquidity involved, AI assets are usually held by institutional investors or accredited individuals.

A thorough investment analysis is required before buying and investing in alternative financial resources. They also involve a high minimum investment and fee structures compared to mutual funds. Traditional investment involves risk. We have seen how in recent times the world of finance was hit as bankruptcy triggered across the globe. But even in troubled waters, you do not need to be bearish if you are the proud owner of a few bottles of Bordeaux or a Penny Black or may be a series of Andy Warhol prints as you are supposedly to get their money back virtually.

Why do people go for alternative financial investment?

A probable reason why people invest in alternative resources is to diversify and reduce the overall investment risk. Portfolio diversification is proposed to potential investors to minimize the risk. And this can be achieved through alternative investment.

Advantages to investing alternatively:

  1. Alternative investment involves low correlation with traditional financial investments like stocks and bonds. As a result several large institutional funds like the pension and private endowments have already begon allocating a small proportion, less than 10%, of their capitals to alternative investments like hedge funds.
  2. It is comparatively less liquid in nature.

Disadvantages to investing alternatively:

  1. Lack of published verifiable performance data and minimum opportunity to advertise to potential investors.
  2. Determining the current market value of assets is often difficult.
  3. Cost of purchase and sales is relatively high.

The most common types of alternative investment include:

  • Hedge funds as alternative financial investments include a wide range of investment assets like stocks and commodities, which principally aim at offsetting the potential losses in the markets.
  • Future funds as alternative investments are standardized contracts of sale and purchase of commodity at a predetermined price on a specific date. Futures are used to trade currencies and commodities like petroleum and agricultural products.
  • Real estate can also serve as an alternative investment option, which typically involves buying and selling of immovable properties like land and concessions. It yields income income as well as capital appreciation.
  • Although not always viewed as such, art is certainly an alternative investment. This investment option gained some new transaction after the 2008 market downturn and recession period.
  • Investment in vintage items, such as fine wine, has proved profitable with consistent high-yield returns, even in the months of 2008 credit crunch.
  • The precious metal gold is used as a defensive alternative financial investment, which tends to grow in popularity during periods of prolonged economic upheavals.

In this emerging economic economic climate, as investors are striving to locate the best investment niche, these alternative financial investment options are gaining greater and greater appreciation due to their low-risk and high-yield nature.






Family Reunion Planning Step By Step

As a wise proverb says "There is a time for everything under the sun. A time to run, a time to laugh, a time to skip about." With that sentiment there is a time to strengthen the bonds of family union. And what better way to begin then planning for your next family reunion. Family reunion events have evolved into big-time annual family shindigs these days. From gatherings at the ol 'homestead to luxury cruise ship gala events. But when is a good time to start planning for your family reunion? The fact is, anytime is a good time to start planning a meaningful memorable family gathering.

KEEPING TIME ON YOUR SIDE

They key to successfully planning a modest to large family event is giving yourself and the rest of the family plenty of time to put it all together. This will also allow family reunion planners drum up support when and where needed. This calls for good communication and organization on the reunion planners part.

CHOOSING THE RIGHT FAMILY REUNION SOFTWARE

Your best approach to organizing a family reunion event is using what is called a family reunion planner organizer with * attendee registration spreadsheet features. Planner organizers now come in many software formats. A stand-alone program may require the manual input of information such as reunion date, time, number of attendees, guest list contact information and such. It is advantageous to choose reunion planning software platforms that allow users to export and import data into formats most users are familiar with such as MS Word and Excel Spreadsheets.

COMMITTEE MEETING PRESENTATION FEATURES

Users should be able to take advantage of spreadsheet data and presentation features such as bar and pie charts for surveys, dues ledgers and such. Your family reunion planner organizer should allow you to easily enter survey data and tally. For example, the reunion committee narrows down three possible locations for the family reunion event. Perhaps you want to find out how far these locations are from each attendees home address. Features that allow you to enter travel distance to the reunion event location per household and run a comparison report can help you narrow down the most convenient locations.

CHECKLISTS ACCOUNTS AND BALANCES

Your software should include features the allow you to add up T-shirt orders and payment balances. Keep track of desired reunion activities and menu surveys. Keep track of delegated assignments. Make sure your planner also comes with a family reunion planning primer. It should contain an edit pre-written timeline planner with built in checklist. Reunion supplies and materials lists are extremely helpful. Many reunion planners come with a host of templates such as flyers, labels, nametags, official reunion correspondence stationary, welcome letter template to name a few.

HELPFUL SEARCH ENGINE FEATURES

Now major search engines offer features that allow users to share standard data in MS Word and Excel spreadsheet format with other online users making the reunion communication process a whole lot easier for all involved.

REUNION PLANNING STEP BY STEP

Step 1. Your first task is to gather information from family members regarding the kind of family reunion event that would like to have. To do this you should first remark announcing that plans are underway for the next family reunion and the need to consider ideas and select committe member volunteers.

Step 2. Compile a list of family members and their addresses and send out your announcements as a flyer or in newsletter format. Your announcement should include a brief survey asking for their opinions and suggestions for food, entertainment, theme, events and location. Those who respond quickly and provide practical input should be asked to form the reunion committee.

Step 3. Establish an initial committee meeting time and place where most can attend.

Step 4. Form your initial committee members including the chairperson and treasurer.

Step 5. Using your "Committees List" pause selecting other subcommittees heads. Your committees lists includes the following duties:

Food committee

Welcome / Greeting Committee

Finance Committee

Communications Committee

Setup and Cleanup Committee

Fundraising Committee

Family History Committee

Photography Committee

News and Media Committee

Supplies Department

Health and Safety Committee

Security Department

Genealogy Research and Presentation Committee

Step 6. Now review your consideration elements and consider potential reunion site locations visited ", reunion themes, proposed date, initial cost estimates for budget. Remember to use the survey you sent out with your initial mailing. more elements for consideration.

Step 7. As you discuss consideration elements record final decisions as to who will do what. Delegate committee heads and volunteers accordingly. Make sure delegations are in harmony with your committee heads department. Avoid overlapping assignments.

Step 8. Now get into the details of planning the event. Using a "Possible Locations and Activities" list compare completed surveys to the possible location and activities list. Draw a line through locations not recommended and narrow down the desired location to about three or four choices. Now take a vote. Follow the same pattern for activities.

Step 9. After deciding on location and activities you now have a better idea of ​​event needs in the form of materials and services.

Step 10. Using a "Needs List" as a starter, beginning listing all needs for your event with the help and feedback of department heads.

Step 11. Create a ballpark "Expense List" to get an idea of ​​the amount of funds required for the event and activities and add this to your Reunion Planner Budget list and Calculation Tool.

Step 12. Using your surveys complete a "Reunion Lunch Program Agenda" if your reunion event will be held in the after noon. Otherwise create a "Reunion Dinner Program Agenda".

Following these basic steps when choosing your family reunion software and organizing your reunion event will get you off on to a good start.

* A Family Reunion planning "Attendee Registration Worksheet" is a spreadsheet that allows the user to record information in the form of a dues ledger, tally reunion surveys, create a guest list roster. "Enter T-shirt orders and keep track of special needs .






How To Make Music - An Easy Way To Learn






Learning to play instruments can be a lifelong study. Many people will never learn simply because they do not have the patience or the natural talent to do so. The ability to play an instrument should not deter you from making music though. Many great musicians are mediocre at playing an instrument. In our technological age the game has changed. With computers and software making music has never been more accessible. All that is really required is a desire to learn and a basic feeling for music.

The easiest way to learn how to make music is with music software. There are quite literal thousands of software packages on the market and all of them do something different. There are specific types of software that I want to focus on and look at in terms of learning how to make music.

Lets first look at some of the fundamentals of music and making a song. All songs have melody and rhythm which can be a tough thing when composing on any instrument. With music maker software it becomes so much easier. The software itself is designed to help you to easily put beats together. Many of them come with vast libraries of beats and you can mix and match them, change the tempo and even add effects to each. Even if you just use these beats, anyone can put together a catchy song with a good melody and rhythm.

Another great feature of music maker software is the fact that most packages has "artificial" digitized instruments that allows you to "play" any instrument without playing it. Some of the more advanced packages will allow you to automatically overlay certain instruments over an existing beat and you can quickly build up a very full sound that not only sounds professional but its perfectly in beat and in tune.

By learning to compose music with software you can not only build a great foundation for understanding rhythm and melody but you also learn the basics of producing music. Its also a great way to help any aspiring singer and songwriter to write music and create songs without a full band or an expensive production studio.






Important Upgrade for Every Computer and Backup Planning

One important upgrade every computer owner should perform is to have surge protection. Sure protection protects your desktop or laptop from a power surge that can happen during a storm.

A surge protector is a piece of hardware that your computer is plugged into. The protector then plugs into the wall. Thus, it is an intermediate between your computer and the power outlet. The surge protector prevails dangerous levels of power from reaching your computer and causing overload problems.

Here's the scenario:

You're using your computer during an electrical storm. Lightning strikes and sends a high amount of power to your computer.

With a surge protector, the surge protector notices the power is too high and prevails the high power from reaching your computer.

Without a surge protector, the high voltage travels right to your machine, and you're left to pray that it does not overload your computer and cost you to have repairs performed.

A surge protector can also prevent spikes that occur because the power go out and then come back on at a higher level.

Thus, surge protectors are reliably cheap and are the standard in computer protection. A wise investment to be sure.

The second topic for this article is data backup planning.

Data backup planning is not only important to large corporations, but to the personal computer owner as well. We'll be focusing on the personal computer owner here.

Many people do not think about backing up their data. They should though. Recently someone came to me and asked me if I could recover data from their storage drive. It was their only copy. Unfortunately, I had to refer them to another service provider - someone who would have to perform some low level data recovery (expensive). This would not have had to happen if the person had kept a second copy of their data. There are a number of ways for people to back up their data.

One way is to buy some writable CDs or DVDs and burn data to them - of course you'll need hardware that can write to CDs and / or DVDs. These would probably be a good option for people with not too much data they want backed up. These are also nice because you can store them in a different location from the original data and then the computer should be destroyed in some cataclysmic event, you still have a good copy.

Another option is to purchase an external hard drive. These usually require a USB hookup. They are a nice option and are generally much larger in size than a CD / DVD. They are also easily transportable and lightweight. Furthermore, you can read, write, and rewrite (write over) data - something Most CDs / DVDs do not do. So, they can be a money saver and space saver when compared to CDs / DVDs.

Another option still is to purchase an internal hard drive. This will stay within your computer. It provides read / write / rewrite and generally large (and inexpensive) storage capacity. These tend to be less expensive than a similar external and faster. However, they are less mobile than the two previous options. Still, you've got to know a bit more about hardware in order to find out which drive to purchase and install, making the other two options more user friendly.

I think all options have their strong points, it boils down to what you require or desire. Bottom line, it's a good idea to have some backup strategy, because you never know how valuable your data is until it's gone.