Sunday, May 27, 2012

Best Free iPad App of the Week: Creatures of Light

Creatures of Light iPad app

Who doesn?t like free? And who doesn?t like great iPad apps? When the two come together it?s good stuff. With that in mind, we?d like to share our Best Free iPad App of the Week here every weekend.

This week?s pick is Creatures of Light, from the American Museum of Natural History.

This companion app for the popular new exhibition Creatures of Light: Nature?s Bioluminescence offers a close look at some of the extraordinary organisms that produce light. Enjoy interactive animations, photo galleries, and videos that reveal the beauty of this amazing natural phenomenon, how it works, and how scientists study it. Each chapter of the app, which is adapted from the iPad content featured throughout the exhibition gallery, is set to a symphonic soundtrack composed exclusively for Creatures of Light.

It?s an app full of superb images and fascinating information on bioluminescence and many of the creatures and organisms that glow and light up due to it.

Creatures of Light iPad app

The app is divided into these main sections:

The Exhibition ? a quick overview of and tour around the Creatures of Light exhibition at the American Museum of Natural History ? it?s running until January of 2013.

Creatures of Light iPad app

Creatures of Light iPad app

Enchanted Evening ? this one is all about fireflies ? a kid-pleaser if ever there was one. It?s great that this section goes into detail on how fireflies produce their light ? and, as with all the sections, makes it easy to understand.

Creatures of Light iPad app

Light on Land ? Bioluminescence is uncommon on land ? which makes it seem magical when we see it, scattered in unexpected places around the world

Creatures of Light iPad app

A Sparkling Sea ? plankton lighting up the sea, dinoflagellates glowing in the surf and more. Just as a sidenote, I feel pretty confident this is the first time I?ve used the word dinoflagellates on this site or anywhere else.

Altered Light ? Fluorescence and some of the sea creatures that provide awesome examples of it.

The Deep Ocean ? A world of darkness where creatures have adapted and nearly all are bioluminescent.

Creatures of Light iPad app

The classical music that plays in the background is well chosen and enhances the experience ? and of course it can be toggled on and off as you like.

The app has some very good videos throughout its sections as well. Two favorites for me are one of a dolphin swimming in the blue light of glowing dinoflagellates and one of a Crystal Jelly.

Creatures of Light iPad app

Creatures of Light iPad app

Many of the pages offer interactive images that let you tap in various highlighted areas to see more details ? and slider controlled images that show a process or sequence of events involved in bioluminescence.

Creatures of Light iPad app

Creatures of Light iPad app

Slider

You also get a wealth of information on some of the leading scientists in this field and a good look at their experiments and studies on the subject.

Circadian Clock info

My one complaint about the app is that it could be a much nicer experience on the new iPad 3 if it was updated for the retina display. I hope and expect that will come along soon in an update to the app.

This is an outstanding app regardless of whether you?re using it as a primer prior to a visit to the exhibition or just as a general reference app for family and kids if you?re not able to go the exhibition.

Here?s an App Store link for Creatures of Light.

If you?re after more great free iPad apps, be sure to check out our previous choices for Best Free iPad of the Week.

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Saturday, May 26, 2012

Mint-Like Healthcare Expense Tracker Simplee Partners With The HSA Solution, Grabs 800K Accounts

simpleeA big win for healthcare expense-tracking platform?Simplee, fresh off its $6 million Series A from earlier this month: the company is now?announcing?a partnership with top HSA provider in the U.S. ACS (a Xerox company). This is the first major HSA partner for Simpleee, which now introduces its service to ACS|BNY Mellon's The HSA Solution's 800,000 members. While perhaps not as exciting as a brand-new, Instagram-like Facebook Photos app (I'm so downloading that), Simplee is one of those companies solving a real-world challenge that has a big impact on our lives: health care expense management. The company takes a consumer-friendly angle to the problem with its service, which helps patients track their bills and payments, while also visualizing, in something of a Mint.com-like style, what their current situation looks like.

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Egypt vote: Brotherhood advances to second round

Egyptian Muslim Brotherhood presidential candidate Mohammed Morsi, casts his vote inside a polling station, in Zakazik 80 Kilometers (50 miles) north of Cairo, Egypt, Wednesday, May 23, 2012. On Wednesday morning, Egypt commenced two days of presidential voting after 16 months of interim rule by the Supreme Council of Armed Forces. This election is the first free and fair race since the ouster of former President Hosni Mubarak. (AP Photo/Ahmed Gomaa)

Egyptian Muslim Brotherhood presidential candidate Mohammed Morsi, casts his vote inside a polling station, in Zakazik 80 Kilometers (50 miles) north of Cairo, Egypt, Wednesday, May 23, 2012. On Wednesday morning, Egypt commenced two days of presidential voting after 16 months of interim rule by the Supreme Council of Armed Forces. This election is the first free and fair race since the ouster of former President Hosni Mubarak. (AP Photo/Ahmed Gomaa)

An Egyptian election official counts the ballots following the presidential election in Cairo, Egypt, Thursday, May 24, 2012. As vote-counting began, exit polls by several Arab television stations suggested the Brotherhood's Mohammed Morsi was ahead of the pack of 13 candidates. The reliability of the various exit surveys was not known, and a few hours after the end of two days of voting, only a tiny percentage of the ballots had been counted. (AP Photo/Fredrik Persson)

Egyptian election workers count the ballots following the end of the two day presidential election in Cairo, Egypt, Thursday, May 24, 2012. As vote-counting began, exit polls by several Arab television stations suggested the Brotherhood's Mohammed Morsi was ahead of the pack of 13 candidates. The reliability of the various exit surveys was not known, and a few hours after the end of two days of voting, only a tiny percentage of the ballots had been counted. (AP Photo/Fredrik Persson)

U.S. Congressman David Dreier, R-Calif.,top right facing to camera, and former U.S. Congressman Jane Harman, at left to Dreier observe the vote counting at the presidential election, in Cairo, Egypt, Thursday, May 24, 2012. As vote-counting began, exit polls by several Arab television stations suggested the Brotherhood's Mohammed Morsi was ahead of the pack of 13 candidates. The reliability of the various exit surveys was not known, and a few hours after the end of two days of voting, only a tiny percentage of the ballots had been counted. (AP Photo/Fredrik Persson)

An Egyptian policeman stands by posters of presidential election candidate Mohammed Morsi Thursday, May 24, 2012, outside a polling station in Cairo, Egypt. In a wide-open race that will define the nation's future political course, Egyptians voted Thursday on the second day of a landmark presidential election that will produce a successor to longtime authoritarian ruler Hosni Mubarak. (AP Photo/Hasan Jamali)

(AP) ? The candidate of Egypt's Muslim Brotherhood won a spot in a runoff election, according to partial results Friday from Egypt's first genuinely competitive presidential vote. A veteran of the regime of ousted leader Hosni Mubarak and a leftist were in a tight race for second place and the chance to run against him.

The runoff will be held on June 16-17, pitting the two top contenders from the first round of voting held Wednesday and Thursday. The victor is to be announced June 21.

Vote counting was still not complete from the country's biggest metropolis, the capital Cairo and its sister city Giza, which would likely decide the second-place finisher. The Brotherhood predicted its candidate Mohammed Morsi would face former prime minister Ahmed Shafiq, a veteran of Mubarak's rule, in the runoff.

That would pit the country's two most divisive candidates against each other, and the race would be heated.

Morsi's Brotherhood, which already dominates parliament, has promised to implement Islamic law in Egypt, alarming moderate Muslims, secular Egyptians and the Christian minority who fear restrictions on many rights. Though Morsi's lead was solid, he garnered less than half the vote that the Brotherhood raked in during parliament elections late last year, a sign of public disenchantment with the group.

Shafiq's strong showing would have been unimaginable a year ago amid the public's anti-regime fervor. Shafiq was Mubarak's last prime minister and was himself forced out of office by protests several weeks after his former boss was ousted. A former air force commander and personal friend of Mubarak, he campaigned overtly as an "anti-revolution" candidate in the presidential election, criticizing the anti-Mubarak protesters.

He still inspires venom of many who believe he will preserve the Mubarak-style autocracy that the popular revolt sought to uproot. He has been met at public appearances by protesters throwing shoes.

But his rise underlines the frustration with the revolution felt by a broad swath of Egyptians. The 15 months since Mubarak fell and the military took his place have seen continuous chaos, with a shipwrecked economy, a breakdown in public services, increasing crime and persistent protests that turned into bloody riots. That has left many craving stability.

By midafternoon Friday, counting had been completed in at least 24 of the country's 27 provinces, representing more than half the votes cast. The election commission said turnout in the election's first round was about 50 percent of more than 50 million eligible voters.

Morsi was in the lead with 26 percent of the ballots so far, according to the independent newspaper Al-Masry Al-Youm, which was compiling official reports from counting stations. That is likely enough to secure him a spot in the runoff.

But the race for second place was neck-and-neck between Shafiq with 23 percent and leftist Hamdeen Sabahi with 20 percent.

Cairo and Giza, where around 20 percent of the votes nationwide were cast, were likely to be decisive in determining the second-place finisher. The vote counting there was expected to be finished late Friday or early Saturday.

Sabahi was a darkhorse during months of campaigning but had a surprising surge in the days before voting began as Egyptians looked for an alternative to both Islamists and the former regime figures known as "feloul" or "remnants."

Sabahi is a leftist who claims the mantle of the nationalist, socialist ideology of Gamal Abdel-Nasser, Egypt's president from 1956 to 1970.

"The results reflect that people are searching for a third alternative, those who fear a religious state and those who don't want Mubarak's regime to come back," said Sabahi campaign spokesman Hossam Mounis.

In a particularly surprising result, Sabahi was the winner by far in the Mediterranean coastal city of Alexandria, Egypt's second largest city, where he came in first and Morsi and Shafiq lagged far behind.

Alexandria is the traditional stronghold of both the Muslim Brotherhood and the ultraconservative Islamists known as Salafis. But the powerful Salafi vote there was split between Islamist candidates.

The result is "a great loss to the Brotherhood who lost their credibility in the street," Mounis said.

The biggest fall in the race ? which had a field of 13 candidates, most of them minor ? was former foreign minister Amr Moussa, who for months led in opinion polls. He had a similar pro-stability appeal as Shafiq and a softer image. But it appeared Shafiq and Sabahi siphoned off much of his vote and the results so far showed him last among the five most prominent candidates.

A middle-ground figure, moderate Islamist Abdel-Moneim Abolfotoh, also performed below expectations, ranking fourth.

The Brotherhood is hoping for a presidential victory to seal its political domination of Egypt, which would be a dramatic turnaround from the decades it was repressed under Mubarak. It already holds nearly half of parliament after victories in elections late last year.

"I think we are on the verge of a new era. We trusted God, we trusted in the people, we trusted in our party," prominent Brotherhood figure Essam el-Erian said at a news conference late Thursday night, just hours after polls closed, when the group first claimed a Morsi victory.

The group has promised a "renaissance" of Egypt, not only reforming Mubarak-era corruption and reviving decrepit infrastructure, but also bringing a greater degree of rule by Islamic law.

But the Brotherhood faced a backlash from many of the voters who supported it in the parliament election but later grew disillusioned. Some accused it of trying to overly monopolize power like Mubarak's ruling party once did.

Morsi's showing in the partial results was a considerable drop from the around 50 percent support the Brotherhood received in the parliament vote.

"Egyptians are punishing the Muslim Brotherhood, even if their candidate won," said Tharwat el-Kherbawi, an ex-Brotherhood member and an analyst in Islamic movements.

Still, Morsi benefited from the might of the Brotherhood's well-organized electoral machine, the nation's strongest.

A Morsi verus Shafiq runoff would likely be a particularly heated race.

Each has repeatedly spoken of the danger if the other becomes president. Morsi has said there would be massive street protests if a "feloul" wins, arguing it could only be the result of rigging. Many Egyptians believe the former general Shafiq has the support of the ruling military, though it denies backing any of the candidates.

Shafiq, on his part, has said it would be "unacceptable" if an Islamist takes the presidential office, echoing the rhetoric of Mubarak, his longtime mentor who devoted much of his 29-year rule to fighting Islamists.

___

AP correspondents Sarah El Deeb and Lee Keath contributed to this report.

Associated Press

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Ohio legislature OKs bill on energy fracking rules

COLUMBUS, Ohio (Reuters) - The Republican-led Ohio legislature approved a bill setting rules for drilling and related activities in the state's shale gas industry, in a vote late on Thursday, responding to a series of small earthquakes in Ohio last year that experts linked to a practice called fracking.

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Republican State Representative Peter Stautberg said the new measure will ensure safe development of Ohio's shale gas reserves while allowing the energy industry to prosper.

"There is a balance that is to be struck between the industry and the administration ... without hampering the industry to such an extent that it destroys the efforts of this state to take advantage of the natural resources," he said.

The bill, which now goes to Republican Governor John Kasich for his signature, requires increased disclosure of chemicals and water used in the fracking process.

Fracking is the controversial practice of injecting chemical-laced water and sand into shale to release oil and natural gas.

Critics say that the high-pressure injection of the liquid into rock causes seismic activity. Some states have either banned fracking or placed strict restrictions on how it is carried out.

The bill also requires water sampling within 1,500 feet of proposed water wells. It mandates that oil and gas wells be tracked between the time they are drilled and the time they are capped. It requires that waste fluids from other states be disclosed before they can be injected into wells in Ohio.

And the legislation requires increased inspection of wells, and forces well owners to hold liability insurance coverage.

Many Democrats said the bill paves the way for the industry to hide information about toxic chemicals that could contaminate groundwater.

"You have grandchildren. You have kids that could be exposed to these dangers," Democratic Representative Bob Hagan said.

But the measure passed the House by a vote of 73 to 19 and the Senate concurred by a vote of 21 to 8.

Kasich said he will sign the legislation.

"I'm so excited about what this legislation accomplishes and what it means for Ohio's future," he said.

A series of 11 small earthquakes culminating in a New Year's Eve tremor with a magnitude of 4.0 in the Youngstown, Ohio, area prompted the state to place a drilling moratorium on five wells.

The Ohio Department of Natural Resources said in March that the high-pressure injection of fluid underground related to fracking caused the earthquakes.

Ohio has nearly 200 deep wells in 41 counties, with 177 of those wells used primarily for oil and gas waste disposal. Since 1983, more than 202 million barrels of oilfield fluids have been disposed of in Ohio, more than half from out of state.

(Editing by Greg McCune and Jan Paschal)

(c) Copyright Thomson Reuters 2012. Check for restrictions at: http://about.reuters.com/fulllegal.asp

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Friday, May 25, 2012

Green Building Council - Atlanta Real Estate Forum

Green Building Council of Greater Atlanta HBAInterested in the latest sustainable building and design trends and information? Join the Green Building Council of the Greater Atlanta HBA and the Atlanta Chapter of the American Institute of Architects for an educational event presented by Steve Mouzon on Tuesday, June 12 at the Southface Energy Institute (241 Pine Street NE, Atlanta 30308).

The education event on June 12 will feature two education sessions and a lunch discussion on sustainable planning and design. The morning session will last from 9 a.m. to noon and will cover urban planning, the transect and a study of style. The afternoon session, which is scheduled from 2 p.m. to 5 p.m., will cover The Original Green: Unlocking the Mystery of True Sustainability. The lunch discussion from 12 p.m. to 1:30 p.m. will cover an introduction to new urbanism, vernacular architecture and an intro to The Original Green. All of the day?s sessions will be led by Steve Mouzon, founder of Mouzon Design in Miami and author of several industry books.

The cost to attend either of the education sessions is $30, the cost for the lunch event is $25, the cost for one education session plus lunch is $50 and the cost for all three sessions is $70. Attendees may also receive up to seven CPHB and Georgia Builder Licensing Credits, seven CE hours through the American Institute of Architects and six hours of Georgia Real Estate Commission CE credits.

For more information on the Green Building Council or to register for the event, please visit the Greater Atlanta Home Builders Association website.

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Star Wars? Coolest Gadgets ? And Their Real-World Analogs

To celebrate Star Wars' 35th anniversary the Gadget Lab way, we decided to gather nine of our favorite pieces of tech from a galaxy far, far away and see what gadgets come closest to being the real-world equivalents.

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Baby Boomers & house prices - Leith van Onselen - MacroBusiness ...

By Leith van Onselen

Earlier in the week, the Daily Mail published an interesting article on the impacts of retiring baby boomers on the UK housing market.

According to the article, baby boomers transitioning into retirement are increasingly seeking to downsize in order to free-up cash to fund their lifestyles, which is in turn crimping house price growth:

Trading down from a large family house is now the single biggest reason given for selling by? homeowners approaching estate agents, says property market expert Rightmove.

Some 40 per cent of sellers say they are looking to trade down, compared with 25 per cent who hope to trade up to a larger more expensive property?

Rightmove said those trading down are generally from the baby boom generation, who have seen a sharp rise in the value of their homes in previous years, but are short of easily available cash.

The high cost of living, coupled with rock-bottom interest rates on savings and poor returns on personal pension investments, has left many retired people struggling to pay the bills?

These people are rich on paper ? in terms of property wealth ? but they are short of the cash they need to fund their lifestyles and family commitments.

Rightmove said the trend in downsizing is putting a cap on house price rises..

The expected impact of the baby boomers? retirement on home prices is a topic that I have tackled previously (for example, here, here and here).

In a nutshell, my hypothesis is that Australia?s baby boomer generation ? which comprises roughly one-quarter of the Australian population but owns nearly half of the nation?s housing assets ? will gradually become net sellers of Australian housing as they enter retirement, thereby acting to push down home prices in the process.

The baby boomers were key players in the rapid house price appreciation experienced in Australia in the decade to 2008. As the baby boomers reached peak earnings age in the 1990s, they began buying up investment properties en masse as a way of both minimising their tax (via negative gearing) and ?saving? for retirement. They were also likely to have significantly increased demand (and prices) for owner?occupier homes, since many in this demographic would have traded-up to their most expensive (?peak?) home over this period.

However, with the baby boomers gradually entering retirement, it follows that their appetite for investment properties will shrink, at the same time as they are downsizing into smaller homes. As such, one of the key demand-drivers of house price growth over the past 15 years will disappear.

Further, because higher investment yields can currently be earned by placing their funds in a bank term deposit than can be earned via rent, it is also likely that many baby boomers will sell their property investments to fund their retirements. And this process of property divestment is more likely to accelerate once the baby boomers realise that there is little prospect of continued high capital appreciation.

As mentioned previously, my hypothesis is supported by a 2010 Working Paper published by the Bank for International Settlements (BIS), which examined how demographics are likely to affect asset prices, in particular housing, in 22 advanced nations over the next 40 years. The results suggested that ageing will lower real house prices compared to neutral demographics (i.e. where the age profile of the population remains constant) over the next 40 years in all 22 countries in the sample (see below chart).

According to the BIS, as the baby boomers reached working age and started buying housing from 1970, they helped to push-up property prices throughout the world. In Australia, over the past 40 years the boomers increased real house prices by around 30% compared with what would have occurred had our age structure remained neutral. However, the ageing of the baby boomers is projected to reduce Australia?s real house price growth by around 30% over the next 40 years compared to neutral demographics. This is because the baby boomers will reduce their housing stock as they enter retirement by liquidating their investment property holdings and downsizing, thereby depressing house prices.

The tailwind that was the baby boomers? insatiable demand for housing ? both owner-occupier and investment ? has dissipated and threatens to become a stiff headwind that places significant downward pressure on Australian home values for the foreseeable future.

unconventionaleconomist@hotmail.com

www.twitter.com/Leithvo

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