SEC Adopts Rules for Regulation Crowdfunding- A Review (Content Princess)

Usually, the only things I review are actual products, but today’s review is a little bit different. This review involves the Securities and Exchange Commission (SEC) and its adoption of rules involving crowdfunding and the selling of securities via this method.

What is Crowdfunding?

In case you are unfamiliar with the term, crowdfunding is a method of raising money through the Internet. Crowdfunding is used by individuals for a variety of reasons.

One purpose could be to raise money to put a product into development or production. It could also be used by individuals in dire need, whereby individuals could donate to help a person pay for expenses.

What is Regulation Crowdfunding?

Regulation Crowdfunding is just part of proposed amendments to certain rules involving the selling of securities by companies. Part of the JOBS Act was to amend certain rules put in place by the SEC.

These amendments would allow companies to sell securities through the crowdfunding method. Although this could be a matter of concern for many people (and for a good reason), there are quite a few regulations in place for both buyers and sellers of securities, along with the portals through which these transactions take place.

Rules for Sellers

  • Some of the rules for sellers of securities are as follows:
  • Sellers must provide the prices of the securities being sold.
  • Sellers must provide their company’s financial status.
  • Sellers must provide financial statements to investors.
  • Sellers must provide this information to the SEC and the entity that provides the medium for crowdfunding services.

Rules for Investors

Investors have certain regulations as well, mostly in place to protect them from fraud or substantial losses. This is mostly in the form of a limitation as to how much they can invest in a 12-month period. The amount allowed to be invested is based on income.

Regardless of income levels, an investor is limited to an investment of $100,000 for a 12-month period.

Rules for Funding Portals

Funding portals are the regulated, registered intermediaries through which securities crowdfunding takes place. Some of the requirements of these portals are:

  • Inform investors on how the process works as well as the offered securities.
  • Ensure companies using their portal are in good standing and keep proper records to use their portal.
  • Post all required disclosure information from the seller to the public at least 3 weeks before the securities begin selling.
  • Allow for communication about all offerings available via the portal.
  • Require investors to create and open an account before making any transactions.
  • Portals are ineligible from participating in the purchasing of securities by any company that uses that portal.
  • Comply with any rules and regulations set forth by the SEC to operate or continue operating.

My Assessment and Conclusion

Investors rightly should be concerned about buying securities through crowdfunding, but the rules and proposed amendments set forth by the SEC seem to have all the bases covered, thereby eliminating the majority of fraudulent actions by a company or portal and offering more than reasonable protections to investors.

Since crowdfunding is a popular method of buying and investing, there is no foreseeable good reason why the selling of securities should not take place in this way.

The requirements of each party listed in the sections above are not all the requirements set forth by the SEC. For full information on what sellers, investors, and portals are required to do and are limited by, please click here to be directed to the SEC web page regarding this matter.

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Supreme Court Rules in Favour of Marriage Equality (Content Princess)

The issue of gender equality in marriage has been a controversial topic across the globe. With more people beginning to understand and accept the concept of homosexual relationships, a lot of pressure has been put on the governments of the world. There has been an increasing demand that laws should accommodate the interests of homosexual people.

For countless decades the world has been trying to challenge ancient views; some of which date as far back as the beginning of humanity. But gay relationships are still seen as illegitimate, let alone same-sex marriages.

In the United States, the laws on same-sex marriages were ambiguous. While in some states this was legally acceptable, some states had a ban against this.

The Ruling

Previously (in 1972) a case was held in the Supreme Court regarding the laws that condemned same-sex marriages. This was the Baker v. Nelson case where the Supreme Court came to the decision that refusing to legalise same-sex marriages did not go against the US constitution. It was because of this that not much advancement has been made since then.

However, on the 26th of June, in 2015, Obergefell v. Hodges was held as a case in the Supreme Court. They debated, discussed and then came to a final decision. The Obergefell v. Hodges case went against – and overrode – the Baker v. Nelson.

Now a marriage bond constituting of 2 people of the same gender is recognised and permitted by the law of the United States of America. This law is effective across every state in America as well any territories and possessions of the United States.

The Reason Behind the Law

It is a surprise that this law was passed since many people are still against homosexuality – due to religious reasons or personal views. However, when James Obergefell appealed for this case, he was thinking about equality.  Was it fair that the rest of the population could turn their relationships into a strong commitment like marriage but homosexual couples couldn’t?

In America, there was no prohibition on a same-sex relationship so it did not make sense that there would be a prohibition on marriages.

Views on the Law

Legalising same-sex marriages affects mostly those who are currently in a same-sex relationship; and more importantly those who are considering marriage. Their friends and families will be affected, but apart from these people no one else will be affected directly.

Despite this, there are people who have faulted this law. In primaries made up mostly of conservatives who are religious, Republicans are of the opinion that this issue should have been something that the citizens of America should decide, rather that the Supreme Court.

America is a largely Christian country, so the views of many people are bound to be influenced by their faith.

The Future

This law has eased people’s affairs as well as brought hope to many people. If the issue of homosexuality has been tackled this much then what is to say whether the fall of other issues (like racism or extremism) will come to an end soon.

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E-commerce Companies in India Are Facing Major Logistic Challenges (Content Princess)

Players all around the world have begun to notice the rapid growth of Indian e-commerce.  India is the second most populous country in the world.  The population is around 1.2 billion.

If you’re unsure how many people that is, think of it like adding together the people of the Netherlands, Greece, Germany, the United Kingdom, Italy, Belgium, and France.  Ok, once you have added all of those populations together, you will need to multiply the number by four to get all the people of India.

Everything isn’t easy for India, however.  Here are some of the biggest challenges for Indian E-commerce.

Most of the Items Indian consumers purchase online are returned

Many first-time buyers find their way into the Indian e-commerce world. First-time buyers are unsure about what they expect online stores to provide them.  Sometimes, first-time buyers are the victims of a hard sell. However, once the product reaches them, they realise they made a mistake and wish to return the product. 

Consumer remorse is a problem all over the world.  Even though this is true, the issue is more frequent in countries like India.  This is because of the dependence on new buyers to grow. 

In the e-commerce world, returns become costly.  This is because certain challenges come along with reverse logistics.  It becomes even more complicated when you look at e-commerce across borders.

Cash on Delivery

The preferred payment method is to pay cash once the item has been delivered when dealing with e-commerce in India.  This is because of the little trust that consumers have in online transactions combined with the low penetration of credit cards. Manually collecting cash is riskier, more expensive, and involves more labour than making payments electronically.

The High Failure Rate of the Payment Gateway

When you look at the global standards for payment gateways, India has an abnormally high rate of failure.  E-commerce companies that utilise these payment gateways lose a lot of business.  This is because many of their customers will not try and pay again if the transaction fails the first time.

Low Penetration of Internet

India still has a relatively low rate of people using the internet, especially when compared to western countries.  Not only do few people use the internet, but connectivity is not of high quality in a few regions.  These problems with e-commerce are beginning to rectify, however.  One day soon, connectivity will no longer be an issue when discussing issues that electronic commerce in India faces every day.

Feature Phones Are King

Mobile phone users in India remain high.  However, it is important to note that the majority of these are not using smartphones.  They use feature phones instead.  This means that most people cannot make purchases on the go.  Thanks to the decline of entry-level smartphone prices, the scale is beginning to tip in favor of seeing this change.  It is expected in the next few years that there will be tremendous growth of people who own smartphones.

Non-Standardised Postal Codes

If you live in India and order something over the internet, there is a significant chance that you are going to receive a call from the logistics company trying to find you.  Giving your address just isn’t going to cut it because there is virtually no standardisation in how Indian postal addresses are assigned or written.  Last mile issues are a major e-commerce concert.

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Nokia and Telecom Italia Partner Again- Review (Content Princess)

I have done lots of product reviews in my time, so I understand if you may be confused about seeing a partnership between two companies and how it relates to a review.

Normally, it is only products that I review, but today is a little bit different. Today, I am reviewing the joining of forces by two telecommunications giants in the industry.

Who Got Together

This partnership is one of the first of its kind. Nokia Networks and Telecom Italia announced recently that they would be partnering for two years in a venture like no one has ever seen.

This is big news in the world of telecommunications, an area that is rapidly changing and advancing with regards to technology.

A Long History

Although this particular partnership is the first of its kind, it is not the first collaboration between the two. Nokia and Telecom Italia have been working together for quite a while now.

The infrastructure giant and Italy’s leading information and communications Technology Company have collaborated on several projects over the last 20 years. This new collaboration is different from anything that either company has done before.

What The Duo is Doing

The plan for this agreement, brought about via a Memorandum of Understanding, is to seek out start-ups, a section of technology which has grown to massive proportions.

The pair will analyse start-ups that are dealing with technologies of interest, further analyse the ones that have the most realistic chance of success, finally investing in those start-ups and their technologies.

My Assessment

Having a start-up company and making it grow into a successful business is a tough job, especially in the technology sector, where competition is as plentiful as it is fierce.

Start-ups that develop new technologies need to be able to scale quickly, along with finding trustworthy partners and investors. Otherwise, their hard work will only be stolen, duplicated, and brought to market by a company who is already an established force in the industry.

The partnership between Nokia and Telecom Italia will provide a benefit on both sides.

Benefits for the Partners

For the Giants, they will gain a share of new technologies of interest, thus continuing to grow their companies. The pair will continue to bring innovation to telecommunications.

Nokia has been an industry leader in infrastructure and pioneered several technologies used today, such as LTE. They continue to develop and perfect the future, 5g.

Benefits for the Start-Ups

Again, start-ups that have great ideas and technologies that have true potential face many challenges, such as getting their ideas turned into reality and on the market, patented before getting crushed by larger competitors.

Should these start-ups be noticed by the tech giants who have banded together again, they will receive one of the things they lack the most, which being funding to develop further and perfect their technologies.

The start-ups will get the recognition they deserve for their innovation, receive the necessary investments, and ultimately grow into successful companies or be incorporated into the two major partners, guaranteeing success for life.

Conclusion

Overall, this partnership between Nokia and Telecom Italia provides benefits all around, not only for the companies and start-ups involved but the customers who will eventually make use of them.

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Developers Can Now Translate Apps into 9 Languages Rapidly, Using IBM Cloud Service (Content Princess)

Everything is Now Global

As the Internet becomes more and more accessible across the globe, we see that its grasp has changed everything in our world, from the way we communicate to the ways in which we do business. Our world is becoming increasingly interconnected; the barriers of geography, which once limited communication and sharing, are now coming down. There is still a problem that needs to be resolved in this ease of sharing – language. Despite the web’s best efforts, people will still not be able to communicate if they cannot understand what the other one is trying to say. To solve this problem, IBM has created their Globalised Pipeline.

What is the IBM Globalisation Pipeline?

Essentially, the IBM Globalisation Pipeline is a system which will instantly translate your app into nine different languages, with a base language of English. It is currently available in the beta format in Bluemax. Its automated translation is vital for those who are looking to expand the reach of their app into overseas markets. Beyond the base language of English, the Globalisation Pipeline can translate apps into these nine languages:

  1. French
  2. German
  3. Spanish
  4. Brazilian Portuguese
  5. Italian
  6. Japanese
  7. Simplified Chinese
  8. Traditional Chinese
  9. Korean

What are the Benefits of Using the IBM Globalisation Pipeline?

As an app developer, there are many reasons why you would want to be able to translate your app into different languages. Some of these benefits and advantages include:

  • Seamless translation – The IBM Globalisation Pipeline allows for seamless, automated translation of languages for users in other countries. As the internet continues to rise in popularity throughout the world, people are quickly expressing that they dislike reading about anything if it is not in their native language.
  • Increasing mobile use – The business of apps even exists mainly due to the increasing use of mobile devices throughout the world, making it even easier to spread information and apps.
  • Developers can save time and money – App developers have many things that they need to do to get an app ready for production. With the Globalisation Pipeline, developers can focus on the core functions of the app, rather than rewrite the app in a new language.
  • Save money on translation software – The Globalisation Pipeline is cheaper and more efficient than other translation software services available today.

No need to rewrite apps in new languages

Key Features

Now that you know what kind of benefits you can expect with this software, you will want to know what you get when you purchase it. It allows for a variation of import and export application formats, as well as allowing for the import of existing translations to save investments that you have already made in this area. You will also have access to a comprehensive list of open source SDKs to update the translations without the redeployment of the app. Finally, with the opportunity for human post-editing, you can ensure that the translation is always accurate, and change anything you do not like.

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Accenture and Oracle’s Hospitality Finance Cloud Solution Assists Clients in Improving Financial Management Performance (Content Princess)

Innovations in the Hospitality Industry

One of the most vibrant sectors of the economy is the hospitality industry. It is large and varying and amasses a huge amount of money every year. However, many of the different processes and responsibilities that are required of hotels, casinos, and other hospitality businesses take up valuable time and financial resources. There is a strong need and desire for these processes to be streamlined into something that is faster, easier, and more efficient. Accenture and Oracle have joined to create the Hospitality Finance Cloud Solution to help solve these problems.

What is the Hospitality Finance Cloud Solution?

Out of this joint venture, Accenture and Oracle have created a program to streamline the process of financial management and tracking. With this cloud program, businesses can access financial data and information from multiple sources, and connect it to on-property systems. The Cloud Program means that no matter where your financial data is at, or what kind it is, you can instantly stream it to your systems on the property. The program can automate workflow and operations processes easily and quickly.

Advantages of the Hospitality Finance Cloud Solution

There are many advantages to using the Hospitality Finance Cloud Solution. Because it opens up cloud integration to businesses, there is a wider variety of advantages and benefits open to users.

  • Cloud integration – With cloud integration, businesses can unite information from across hotel brands, property portfolios, property systems, and infrastructure forms.
  • Access to financial information can help businesses make better informed financial decisions.
  • Cloud integration also allows for real-time access to a variety of tools, including computers, mobile devices, and tablets.
  • With easier access to financial information, you can reduce the amount of risk you are taking with each decision.
  • Using the cloud system, you can simplify the infrastructure that is necessary to access all of your different financial information, reducing the amount of money you spend on infrastructure.
  • The process of reporting and tracking your financial information is easier with the faster access to all of your information, even if the information is stored in varying storage locations.
  • With easier access to financial information at all levels of your business, your business will, as a result, have an increased sense of transparency, which will aid you in how you run your business.

The Perfect Tool for Financial Management and Performance

If you are currently running a business in the hospitality industry, you are more than likely trying to find a way to streamline your internal operations and processes, cutting costs, and increase your profit margin. The Hospitality Finance Cloud Solution tool created by a joint venture from Accenture and Oracle can help you accomplish that task. You will be able to make better informed financial decisions because you will know the state of your finances at all times, in real time. You will not need to waste time, money, and effort on managing multiple formats and programs any longer.

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Evaluation – Can the newly discovered Molecular mechanism treat Alzheimer? (Content Princess)

What is Alzheimer disease?

Alzheimer is a brain disease, which sees the organ deteriorate at an alarmingly fast rate; this can be caused by chemical changes, and cells being destroyed – disabling the brain from making connections and signals, a vital method for your body to have motor skills, speech, sight, hearing, and logical thinking.

Symptoms can include:

  • Memory loss.
  • Losing use of limbs and other bodily functions.
  • Loss of logic and problem – solving abilities.
  • Severe stages can lead to loss of independence and need for care.
  • The disease eventually results in death, when the brain has deteriorated to the point of not being able to function.

What current treatments are available for Alzheimer’s?

There is no current cure, but similar to cancer, it depends on the stage the disease is at, to how much the treatment can prevent it from progressing, and for any future damage to your motor skills.

Treatments available for early stage Alzheimer’s:

  • Cognitive stimulation – exercises for improving thinking, logic and memory.
  • Cholinesterase inhibitors – Galantamine, Rivastigmine or Donepezil – these drugs can stop disease progression, and help people to function better.
  • Memantine – these are for severe forms of the condition, where the drug can reduce some of the symptoms, but it cannot stop progression or cure the disease.

What’s the new Molecular mechanism that’s been discovered?

A molecule, known as NCAM2, was found to be very low in Alzheimer sufferers, which was discovered in alive and dead patients – a scientific breakthrough, that has never been detected before with the disease.

It was also discovered that the clumps found in the sufferers’ brain were beta-amyloid proteins, which were destroying the NCAM2 chemical.

Why is this important?

This means that by identifying the new brain pattern, it can lead to a very effective measurement of the condition and a much earlier diagnosis of the disease, which allows for more options to be available for the patient – with a much higher chance of stopping progression very early on.

Benefits of the new Molecular mechanism:

  • Gives a direction for new treatments to focus on the balance of NCAM2 patients, which seems to be the strong offender in causing the disease.
  • Opportunity to discover the disease in very early stages – giving the patient a much higher chance of recovering.
  • Having a measurement of NCAM2 levels gives a lot of information about the stage that the patient is at with the disease – with even the potential for future medicines to increase levels in sufferers, thus reversing the Alzheimer’s.

Disadvantages of the new Molecular mechanism:

  • Although the data is there, with a much higher understanding, it is still a wide open field with a lot of questions that need to be answered.
  • Time and expense in doing the brain procedure.
  • It still hasn’t brought a cure, but a more effective indicator of Alzheimer’s development.

Evaluation:

This new finding is a breakthrough, which has provided a lot more understanding about Alzheimer’s for medical scientists – with even a new direction to look for when trying to find cures for the future.

However, for the here and now, it is still under testing and hasn’t been released mainstream yet to the public. But the measurement for NCAM2 has high potential, especially for checking a patient’s progress, which would be a lot more accurate in knowing what treatment they should choose.

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Reprogramming Genes to Prolong Life: A theory or possibility? (Content Princess)

How is Reprogramming Genes possible?

It may sound like something out of a science fiction story, as up until the latest breakthrough, cell engineering had almost been impossible to achieve. The main challenge for scientists was being able to refract information from a single human cell.

What has changed?

Technology has now progressed, which enables us to make cellular adjustments, on both epigenetic and genetic angles; at the same time, we have also come closerto changing somatic cells into induced pluripotent stem cells.

What does this mean?

By using the resources from this technology, it is now possible to reprogram the gene sequence, to prolong a healthy youthful body for a much longer period.

The benefits of Reprogramming Genes to prolong life:

  • Improve the quality of life, by having full use of our bodies, which will surpass whatever age you are.
  • Prevent your body from diseases or deterioration.
  • Not having to retire early/prevent sickness from work (loss of earnings).
  • A Healthy body means a healthy mind, giving you a longer life fulfilment.
  • You will have a much longer life expectancy (on the circumstance of natural death, not including accidents, murder or other such circumstances).

The disadvantages of Reprogramming Genes to prolong life:

  • Still a lot of difficulty in reprogramming the host genome.
  • Controlling the gene expression is very problematic.
  • It’s a very long and complicated process, especially in transferring the new genes over.
  • Unstable in gene rearrangements.
  • The process would consume a lot of time and money, with the risk still being enormously high that it would be unsuccessful.
  • Controlling and suppressing ‘nature’ can usually end in consequences.
  • If successful, the human population would outgrow the planet, from the amount being born into the world and the decline in people dying – the resources on the planet may not be sufficient to cater to an even larger population boom.

Evaluation of Gene Reprogramming:

Although the feasibility is low at present, it is an enormous field that has opened up with a lot of hype in recent times. Gene Reprogramming has a lot of potential for mankind in the future, with the technology getting better at a very quick rate and the mastermind human understanding along with enormous amount of research they have collected already.

Prolonging human life expectancy, although there are the disadvantages with a population boom in general, it does mean we could keep our grandparents, or even great – grandparents for much longer and there would be a lot less grief in families.

Another benefit for the future mankind is being able to keep humans alive a lot longer in space, to discover and conquer other planets; to spread humanity outside of the planet that we live on.

Summary

I agree with the notion of editing human genes, for a much healthier, longer and better quality of life, as it is evident that illness and disease are caused by those unfortunate enough to have bad genetics.

Although, there is still a lot of work to be done, for the process to not only be effective but also the technology to provide it on a larger scale. So it would be crazy to rush through it and introduce it to the market when a lot more research is needed.

What else can I do to make my genes are healthy?

A lot of environmental and external factors play an important role in the health of our genes, so applying these methods should contribute to giving you a prolonged and healthy future:

  • Eating healthy e.g. vegetables, fruits, fish, minerals, etc. Eating the wrong foods can play a huge role in the way your genes shape themselves.
  • Exercise plenty.
  • Be happy with life – general wellbeing effects the way our cells work. If you are the type to suffer depression, then try and stimulate your mind by activity engagement, exercise (as mentioned above), or finding a passion that you love. There are many ways to bring positive changes to your life to obtain a happier mind.
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Your Life and Death Could Depend On Your Sleep (Content Princess)

Everyone Wants to Live Longer

It is a difficult task to find people who do not want to extend their lives. There is always something more to see, to experience, to live for. It is one of life’s greatest goals to find a way to live as long as possible.

Most people know the common factors, eating healthy and exercising. But what most people do not realise, is that your sleep can have a huge impact on your health, and thus on how long you can live. One of the best ways to be healthy is to ensure that every night you get enough sleep.

Sleep Studies

To understand why sleep is such an important factor in our health, many researchers have conducted sleep studies. Such studies have been being conducted since 1925, researching on how you sleep, and the effect that it has on your body.

Recent studies have begun to focus on why we sleep. Most of the studies have shown that sleep can affect the health of both our body and mind, as well as regulating many of the processes of our body. These processes include memory and metabolism. When you lack in sleep, you help fuel diseases that can wreck your body.

Vital for Now

The issue of how sleep affects our bodies has never been more important than it is today. Americans are becoming more and more “24/7”, meaning that they work all day, everyday.

Resting has become less important than working. As the cost of living continues to increase, people feel forced to work more to keep up. As a result, many Americans are developing sleep disorders that are going undiagnosed.

More than 70 million people have sleep disorders, and more than 20{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of Americans have a poor sleep pattern due to their work hours.

Sleep Disorders and Breathing

One of the biggest problems which accompany sleep disorders is breathing problems while you sleep. The study of sleeping and breathing came to the forefront in 1998, with David Gozal’s study pointing to children with obstructive sleep apnea. These children were found to have a harder time with their academic performance as well.

It helped spur a series of studies on the effects of sleepdisorders and breathing in both adults and children. This is, however, only part of the picture. Many sleep disorders are fuelled by the inability to fall asleep at night, going to bed too late, and trouble falling asleep at night.

Don’t Ignore Your Sleep

Sleep can affect a broad variety of aspects of both your mental and physical health. To maintain a healthy sleeping pattern you can follow the following tips:

  • Keep a normal sleeping schedule, no matter what. Wake up at the same time everyday, including weekends.
  • Calm your mind before bed, and try to avoid going on any screens before bed.
  • Use your bed for only sleeping and having sex.
  • Keep your bedroom clean and clutter-free to help keep your mind clear.
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Using technology to find and keep the best techies (Content Princess)

The changing face of the workplace, with many companies working globally and remotely, means recruitment has become a far more diverse process than it used to be.

It’s also more important as hiring and retaining the right talent can make the difference between a company succeeding or not, so it is one of the key objectives of many chief executives.

Recruiters now face very different challenges from say, ten years ago, for example, trying to understand the motivations and needs of the so-called millennials is a major issue.

However, by far the biggest challenge across the globe is recruiting and retaining top IT talent. Being so in demand, IT candidates don’t need to promote themselves or actively look for a role, so they can be hard to find.

They are not the kind of people who would respond well to cold calling or head hunting either, which means recruiters need to find alternative ways to approach them in the first place.

A personality clash can also be part of the problem – while recruiters tend to be natural “people” people – by virtue of the kind of job they are doing – techies have a tendency to be more reserved. Also, many recruiters have no idea how to write an appropriate IT job spec, or what questions to ask in interviews because they don’t understand the subject.

It is all too common for highly skilled tech people to turn up for interviews and be asked to do the most menial IT problems as part of the process, which is not only insulting but highly likely to put them off the company for life.

This is where some of the new technology approaches to recruitment can help – funnily enough! It’s no good searching the normal job sites to find candidates for specialist tech jobs as they won’t be there.

But they are likely to be online chatting with other tech specialists on forums, in discussion groups, and on sites where they can share ideas and talk about solving technology problems, so venture into their natural habitat.

Using the candidate’s online footprint – looking at where they go and what forums they are active in, works well. If you are looking for a developer don’t search on a job site, join a developer discussion forum on LinkedIn.

There are many free candidate source websites out there, offering to search the whole of the web to see who is online and what they are doing, but this is casting far too wide a net.

However what might be worth trying is one of the new Talent Search platforms which have sprung up recently which enable you to hone your search, much more specifically creating more likelihood of success for a specialist role.

If you are trying to find the specialists who aren’t actively looking, and don’t want to be found, this kind of technology might help in honing a successful strategy to attract them anyway. Making use of the right technology could just be the key to find and keep the best techie for your company.

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