California’s San Francisco Bay area is the United States’ most expensive real estate market, with a median home-sale price of USD$1.3 million (CAD$1.7 million). Toronto and the GTA (Greater Toronto Area) is Canada’s most expensive real estate market, with a median home-sale price of CAD$1.3 million (USD just under $1 million).
Unlike its southern neighbor Los Angeles, the pricey San Francisco mansions belong not to movie and TV stars but to the movers and shakers of the technology industry. The Bay Area boasts the country’s highest concentration of tech companies and tech jobs, earning the region the nickname “Silicon Valley” after the material used to make computer chips.
A home in San Francisco’s Pacific Heights neighborhood sold for USD$43.5 million (CAD$55.8 million) in 2021, which is the current record for the area’s biggest sticker price, but a new listing in the ultra-exclusive town of Woodside aims to shatter that record. Styled like an Italian villa, the spectacular compound has been listed for USD$110 million (CAD$141 million).
65 foot pool.
Sitting on over three acres of some of the most sought-after real estate in the world, the grounds feature a 65-foot pool with spa, an entertainment zone with an outdoor kitchen and fire pit, landscaped gardens that include fountains, a vineyard with more than forty olive trees and a rose garden with over one hundred roses as well as a private hiking trail. Nestled behind high-tech gates, the compound offers a 14,000-square-foot main home as well as a separate executive office and conference center, a fitness center/massage/hair salon building, and a two-bedroom guesthouse.
Golf simulator? Check.
Retractable glass walls, French oak floors, and hand plastering on every surface complement rare Italian marbles inside the luxurious mansion. Crystal chandeliers and marble fireplaces feature throughout. The enormous main kitchen features two waterfall-wrapped islands, marble counters, top-of-the-line Wolf and Sub-Zero appliances, and custom-built-steel-and-glass cabinetry, while a separate chef’s kitchen offers extensive storage space plus a BlueStar range with two ovens.
Master suite.
The primary suite is a work of art featuring a barrel-vaulted foyer with leather-front and glass-display cabinets that conceal a refrigerator and Miele laundry and a cathedral-beamed ceiling with chandelier. The sectionalized wardrobe room is couture-worthy. A two-sided Davinci fireplace is shared with the bathroom, which also has heated limestone floors and a marble bath for two. Each additional bedroom includes a customized walk-in closet, outside entrance, and en-suite marble bath.
Designed for the high-tech lifestyle, the home is controlled by state-of-the-art automated systems that take care of every need for comfort, convenience, and security from behind the scenes. The home’s fantastic amenities include an Atmos Dolby screening room, a golf simulator, indoor-and-outdoor lounges, and an epic wine salon for 6,000 bottles.
Woodside is a small town with only 5,000 residents and a median home price above USD$5 million (CAD$6.4 million). Most residents are tech investors and innovators. Larry Ellison, founder of Oracle Corporation and the world’s tenth-richest man, lives down the street from the villa in a 23-acre, Japanese-themed estate.
Known as an equestrian community, Woodside retains a rural residential character despite being only a short commute to Silicon Valley and Stanford University.
The town is ringed with nature preserves, including the Purisima Open Space and Skaggs Point. Options for entertainment include the Michelin-starred Village Pub and Bucks of Woodside, a famed hotspot for Silicon Valley’s most powerful, where many important venture capital deals have been signed. The real estate listing is held by Scott Danser of Compass. For the Silo, Genelle Brown/Top Ten Real Estate Deals dot com.
Tesla has been the fastest growing automobile brand over the course of the pandemic with astounding brand value growth of 271% in the last two years, according to the latest report by leading brand valuation consultancy Brand Finance. Tesla’s impressive growth continued this year with its brand value up by 44% to US$46.0 billion ( CAD$58.55 billion) which saw it move from 6th to 3rd in the Brand Finance Automobile 100 2022 ranking.
Tesla was the only brand in the Top 10 of the ranking to see significant growth this year.
Every year, Brand Finance puts 5,000 of the biggest brands to the test, and publishes nearly 100 reports, ranking brands across all sectors and countries. The report ranks the world’s top 100 most valuable and strongest automobile brands, the top 20 auto component brands, the top 15 tire brands and the top 10 car rental service brands.
Musk at Tesla event in China.
Tesla’s CEO, Elon Musk, has played a huge part in the growth of the brand with his charismatic, and at times controversial, behaviour keeping it firmly in the limelight. Tesla’s transformation into a household name has seen other brands try to connect themselves to the brand to benefit from the Tesla effect.
2021 saw Tesla increase its footprint in China, to ensure it continues to compete in the booming Chinese market.
It opened a new research and development centre, its first outside of America, in addition to a data centre at its Gigafactory in Shanghai. The brand also built a second delivery centre in the city, which incorporates sales, test driving and delivery of Tesla vehicles. Looking to this year 2022, Tesla announced it would launch no new models this year due to the global chip shortage, as doing so would reduce its overall output. Instead, the brand will focus on its full self-driving software as well as scaling up its production capabilities.
Electric revolution sees Chinese brands surge
Chinese brands account for eight of the top 10 fastest-growing brands in the ranking . The increasing popularity and adoption of electric vehicles in China has been a key driver behind the impressive growth for these brands, with China accounting for most electric vehicles sold globally. Several Chinese brands are looking to capitalise on the momentum by expanding their global footprints, with several of these brands launching in Europe in 2021.
While Tesla has seen the fastest growth over the past two years of the COVID-19 pandemic, Great Wall is the fastest-growing brand in the ranking this year, with its brand value increasing by an impressive 109% to US$2.6 billion (CAD$3.3 billion). As well as launching in Europe last year, Great Wall announced it will be launching nine electric vehicle models in Thailand over the next three years, where demand is expected to grow considerably. Great Wall plans to use Thailand as a base to launch its expansion into the ASEAN region. The auto marque’s CEO, Jianjun Wei, was also the top ranked automobile CEO in the Brand index, which ranks the world’s top 250 Chief Executives according to how well they manage and grow their company’s brand, and placed 3rd overall across all industries.
The BYD EA1 Dolphin.
BYD was the second fastest-growing brand in the automotive ranking with its brand value doubling to US$6.4 billion (CAD$8.15 billion), an increase which saw it overtake Haval (brand value up 55% to US$6.1 billion or CAD$7.76 billion) to become China’s most valuable car brand. BYD, which specialises in electric vehicles, saw sales accelerating 232% in 2021 with 603,783 models sold – making it the best-selling new energy vehicle manufacturer in China for the ninth year.
Joining Great Wall and BYD in the Top 10 fastest-growing brands is Song (brand value up 90% to US$1.7 billion or CAD$2.16 billion), Qin (up 89% to US$475 million or CAD$604 million), Tang (up 88% to US$630 million or CAD$802 million), NIO (up 79% to US$2.6 billion or CAD$3.3 billion), Dongfeng (up 67% to US$1.4 billion or CAN$1.78 billion), and WEY (up 56% to US$613 million or CAN$780 million).
Toyota holds on to pole position as most valuable automobile brand
Although Chinese auto brands have seen impressive growth, Japan’s Toyota has held on to the top spot in the Brand ranking with a brand value of US$64.3 billion (CAN$81.9 billion).
Whilst the Japanese brand wasn’t immune to the global chip shortage that ravaged the industry, Toyota was better placed than most to weather the storm thanks to its contingency stockpiling.
The foresight allowed the brand to keep production levels high when others faltered and resulted in Toyota outselling General Motors in North America in Q1 2021 – the first time any brand has outsold General Motors in the region since 1998. Toyota remains the world’s top-selling automaker, the only manufacturer selling over 10 million vehicles globally.
Toyota was one of the early adopters of hybrid technology, with its Prius model dominating the hybrid segment for years, but it has fallen behind in the increasingly competitive electric vehicle arena in recent years. To regain ground, last year it announced it would be investing US$35 billion (CAD$44.6 billion) in electric vehicles, focusing on both battery technology and car development. The investment forms part of Toyota’s ambition to sell 3.5 million electric vehicles a year by 2030.
Fellow Japanese brands Honda (brand value US$28.2 billion or CAD$35.9 billion)and Nissan (US$14.6 billion or CAD$18.6 billion) join Toyota in the Top 10 of the ranking, though both brands saw a 10% decrease in brand value this year. Honda held onto its position in 7th, and despite the loss in brand value Nissan actually climbed two spots from 11th to 9th, as it fared better than Sweden’s Volvo (down 20% to US$14.2 billion or CAD$18 billion) and Germany’s Audi (down 20% to US$13.8 billion or CAD$17.6 billion).
Mercedes-Benz remains most valuable European brand
Sitting behind Toyota, Mercedes-Benz remains the second most valuable brand in the ranking, and the most valuable European brand, with a 4% increase in brand value year-on-year to US$60.7 billion (CAD$77.3 billion). Amid challenging market conditions due to the pandemic and an industrywide semiconductor shortage, the brand prioritized electromobility and has seen great results from it. The German automobile giant confirmed that their electric vehicles sales saw a 90% increase this year.
In 2021, Mercedes-Benz launched the sixth generation of the C-class series with a new interior design and is planning to implement autonomous driving features. At the same time, an industry-wide trend to make a transition to electric vehicles and a sustainable approach to production and distribution is on the rise.
2022 Mercedes C class.
A key development to strengthen the Mercedes-Benz brand is the rebrand of Daimler AG to Mercedes-Benz Group AG. The focus of the rebrand is to enhance passenger cars and vans in the luxury segment. The strategic move to rebrand was to fulfil the brand’s objective to focus on financial and mobility services by offering insurance and rental subscriptions and digital fleet management systems.
Other German brands did not fare so well in the ranking this year, with Volkswagen (brand value down 13% to US$41.0 billion or CAD$52 billion), BMW (brand value down 6% to US$37.9 billion or CAD$48.2 billion), and Audi (brand value down 20% to US$13.8 billion or CAD$17.6 billion) all seeing losses in brand value. With lockdowns, network contractions in production and the ongoing semiconductor shortage, the industry has been faced with many challenges. Apart from sector wide disruptions, the German automakers who were reliant on diesel-powered vehicles have had to deal with regulatory challenges and the transition to electric mobility and electric production methods, resulting in rolling back on production to meet industry trends.
Porsche most valuable among luxury and premium, but Ferrari strongest across the whole table
Porsche is the most valuable luxury and premium automobile brand in the world with a brand value of US$33.7 billion (CAD$42.9 billion). The automobile giant celebrated the 50th anniversary of the iconic Porsche Design with a limited-edition sale of 750 cars to pay tribute to the iconic design by Ferdinand Alexander Porsche.
The brand’s aim to transform into an agile company has led to leveraging digital transformation by enhancing online sales. To adapt to new formats of sale in the automobile sector, Porsche has invested in e-commerce for 100 markets globally to adopt an omnichannel strategy to connect digital services and retail sales.
While Porsche is the most valuable brand in the luxury and premium segment, Ferrari was named the strongest automobile brand in the world with a Brand Strength Index (BSI) score of 90.9 out of 100 and a corresponding AAA+ rating. Apart from calculating brand value, Brand Finance also determines the relative strength of brands through a balanced scorecard of metrics evaluating marketing investment, stakeholder equity, and business performance. Certified by ISO 20671, Brand Finance’s assessment of stakeholder equity incorporates original market research data from over 100,000 respondents in more than 35 countries and across nearly 30 sectors.
2021 was Ferrari’s best-ever year in terms of sales, with the company paying bonuses to all employees as a result, and the projected growth for 2022 remains high. The automotive brand’s historic pursuit of controlled growth has helped to preserve its exclusivity within its sector, however, last year Ferrari expanded its target market to a younger demographic by launching a new high-end fashion line. The aim of creating a brand that can cater to Italian luxury lifestyle in the high-end category will help expand and strengthen its brand portfolio into new avenues, whilst enhancing brand awareness amongst the younger generation.
Denso most valuable auto components brand
Car sales picked up following the loosening of lockdown restrictions, and auto component brands saw demand rise in turn. It has been far from clear sailing for the industry with the global chip shortage disrupting production, but the overall outlook is positive, evidenced by the vast majority of brands seeing good growth.
Denso has retained the title of most valuable auto components brand in the world for the 5th consecutive year, with brand value up 12% to US$4.2 billion (CAD$5.4 billion). The brand continued to play its part in combatting the COVID-19 pandemic, creating respirator components in collaboration with Ford, as well as hosting over 50 vaccination clinics for employees across North America. Looking forward, the ever-increasing adoption of hybrid and electric vehicles is good news for Denso, which has over two decades worth of experience in the manufacturing of hybrid car parts.
Michelin most valuable and strongest tyres brand
As the world opened back up and travel increased throughout 2021 the tyre sector regained traction, with almost every brand in the ranking now more valuable than they were pre-pandemic.
Michelin has retained the title of the world’s most valuable and strongest tires brand, with a brand value of US$7.7 billion (CAD$9.8 billion) and a brand strength index score of 85.8 out of 100.
Despite continued disruption within the industry, Michelin saw a 15.6% year-on-year increase in consolidated sales in the first nine months of 2021 and exceeded expectations in the third quarter of the year thanks to a rebound in demand for tires for agricultural machinery. The brand also announced an extension of its partnership with the MotoGP World Championship, remaining the exclusive tire supplier for the competition until 2026.
SIXT is fastest-growing car rental services brand
The car rental brands have gained momentum in 2021 after a steep decline in brand value at the start of the pandemic. As the demand for vehicle hires increases, brands in this industry are presented with the opportunity to innovate and capture a high market share.
SIXT is the world’s fastest-growing car rental brand of 2022 with a 115% increase in brand value over the year to US$1.3 billion (CAN$1.7 billion), according to the Brand Finance ranking. This year’s increase is the continuation of an impressive growth trend for SIXT, which has seen its brand value increase 265% over the past five years. The brand has built a strong international growth strategy, expanding rapidly in the United States and entering new markets, such as Australia.
Enterprise has retained the position of the world’s most valuable car rental brand with a brand value of US$7.1 billion (CAN$9 billion) with a 6% increase in brand value over the year. Despite COVID-induced travel restrictions, the brand has performed well by launching new mobility hubs and undertaking fleet electrification, but it remains below its pre-pandemic brand value of US$7.4 billion (CAD$9.4 billion). For the Silo, James Haggis.
Featured image: Great Wall Ora Concept Electric Car Made In China
As a technology writer for the Silo, I am always focusing and thinking about the evolution of technology. I write about how computers and video games have changed over the years, but of course, many other things change around us and the one I have been thinking about a lot lately is shopping. ( Consumers Distributing may be back, the relaunch namesake follows us on Twitter )
CD had some serious PPMP’s (Portable Personal Music Players)- notice how the colour and graphic schemes are totally late 80’s/early 90’s?
When I was a kid, I remember getting the Consumers Distributing catalog and taking it into my room to read thoroughly. Of course, I tended to go directly to the toys section and more specifically I looked at the video games and computers. I dreamed about the day I would own some of these items, and I patiently saved my pennies from my job as a paper route carrier. Life can be tough when you are 12.
Started in 1957, Consumers Distributing tried to save costs for consumers by creating a warehouse like environment that allowed them to operate in smaller locations.
Customers would typically shop through a catalog (which they could take home or use in-store) and fill out a request form. This form was taken to the counter where a customer service representative would go fetch your item(s) and ring up the sale.
At its peak the chain would grow to 243 outlets in Canada and 217 in the United States. By 1996, however, the customers were fading as frustration grew with items being out of stock (or, more accurately, the customer perception was that items were always out of stock). In 2006, the company appeared to emerge from bankruptcy protection but little has been done to revive the stores to the way they once were.
Nothing says vintage or captures the ‘aura’ of shopping in a Consumers Distributing store quite like a polaroid.
Even though the end of the chain could be considered a failure, the evolution of the concept continues to this day. Stores like Home Depot and Costco operate in a warehouse-like environment, there are just no catalogs.
Canadian retail giant Hudson’s Bay Company also thought it was a pretty good idea since they purchased and ran a competitive chain of stores called “Shop-Rite” that were open from 1972 to 1982.
.At its peak, Shop-Rite had 65 stores in Ontario before conceding defeat to Consumers. It wasn’t the competition that was really the problem, it was the concept.
With the recent closing of the retail operations of Blockbuster and Rogers Video, we are seeing another step in the evolutionary process. Decades from now, people will probably think it was quite strange to obtain our movies from a retail store because everything will be digitally beamed into our homes and the physical disks and tapes we use now will be completely gone.
My friend Dave Thielking is a lot like me and he remembers the days when we were kids flipping through those catalogs.
So when he obtained some old catalogs I knew we could work together to put them online and share with our other friends who remember the old days of shopping and the great toys and items we wanted to save our pennies for. The result is a new website called the Consumers Distributing Archive and you can find it at http://www.cdarchive.ca.
We are never going to be able to stop evolution – of any kind – but it doesn’t mean we have to like it, or that we can’t go back to the way things were even just for an afternoon or two. For the Silo, Syd Bolton.
Mobile apps using ‘metaverse’ in their description surge fivefold in 3months
Various mobile application developers are increasingly aligning their products with the growing metaverse concept after Facebook popularized the term following the company’s rebranding to Meta. Although metaverse is a work in progress, several appsol are associating with the concept in their descriptions.
Data presented by Burga indicates that between November 2021 and January 2022, a monthly average of 28 mobile applications added metaverse to their description, a fivefold growth or 460% spike from the five average recorded between June 2021 and October 2021. The highest number was registered in December 2021 at 30.
Elsewhere, games with 107 applications lead in the number of app categories referencing the ‘metaverse’ keyword. Finance ranks second at 101, followed by social at 70. In the tenth slot, there is education with 11 apps. Data on mobile apps referencing metaverse is provided by mobile intelligence platform Sensor Tower.
Why app developers are focusing on metaverse
Mobile phone applications adding metaverse to their description were seemingly triggered by Facebook’s rebranding to Meta in October 2021. Most companies and applications have followed suit after the social media giant also announced that it plans to invest heavily in the metaverse. The apps are aligned with the metaverse even as players in the sector explore industry standards.
Generally, the metaverse concept is a network of virtual worlds focused on social connection as a hypothetical iteration of the Internet as a single, universal virtual world supported by virtual and augmented reality headsets.
Although the metaverse is still gaining ground, app developers are using the concept as a critical marketing tool as different sectors await the actual technical requirements for the metaverse to emerge. It can be argued that the applications are working towards having an edge once the technology’s full potential is realized.
A significant share of the metaverse will likely be enabled by apps, which explains developers’ decision to associate with the virtual concept. Notably, apps in the metaverse are touted to potentially harness the most critical features of smartphones, wearables, headsets, and IoT.
Furthermore, virtual interactions offer enticing financial opportunities for businesses and could potentially open new revenue streams for companies diving into this new venture. At this point, with the shift towards a digital life, the opportunities offered by the metaverse are limitless.
Why gaming apps are leading the metaverse
It is no surprise that the gaming apps are leading in adding metaverse to their description. Notably, games have long been associated with VR and AR technology which is at the core of the metaverse. Game engines are likely to be foundational technologies and a critical building block for creating virtual world applications.
In this line, some of the big players in the tech space led by Microsoft are increasing their involvement in the metaverse. According to the company, the metaverse is all about creating games, a key driver for its acquisition of video game company Activision Blizzard. Additionally, gaming platform Roblox has long been viewed as the metaverse frontrunner.
Besides games, the metaverse is also expected to have several implications for different industries. Metaverse technologies have found practical applications among sectors like finance. For instance, VR and AR can be deployed in finance in data visualization, which can aid in analyzing financial risks providing more precise services to customers.
Although app developers are getting ready for metaverse, realizing the concept on a large scale might be extensive. For instance, access to high-speed Internet and the cost of reliable VR hardware remains a challenge.
Additionally, the high scale of interoperability required to build various aspects of the metaverse is yet to be achieved. In this line, tech companies will have to partner with other entities on factors such as metaverse laws. For the Silo, Gytis Gelzinis/BURGA.
Salk researchers pinpoint a sound-sensitive mammalian protein that lets them activate brain, heart or other cells with ultrasound
LA JOLLA—Salk scientists have engineered mammalian cells to be activated using ultrasound. The method, which the team used to activate human cells in a dish and brain cells inside living mice, paves the way toward non-invasive versions of deep brain stimulation, pacemakers and insulin pumps.
The findings were published in Nature Communications on February 9, 2022.” Going wireless is the future for just about everything,” says senior author Sreekanth Chalasani, an associate professor in Salk’s Molecular Neurobiology Laboratory. “We already know that ultrasound is safe, and that it can go through bone, muscle and other tissues, making it the ultimate tool for manipulating cells deep in the body.” About a decade ago, Chalasani pioneered the idea of using ultrasonic waves to stimulate specific groups of genetically marked cells, and coined the term “sonogenetics” to describe it.
In 2015, his group showed that, in the roundworm Caenorhabditis elegans, a protein called TRP-4 makes cells sensitive to low-frequency ultrasound. When the researchers added TRP-4 to C. elegans neurons that didn’t usually have it, they could activate these cells with a burst of ultrasound—the same sound waves used in medical sonograms. When the researchers tried adding TRP-4 to mammalian cells, however, the protein was not able to make the cells respond to ultrasound. A few mammalian proteins were reported to be ultrasound-sensitive, but none seemed ideal for clinical use.
So Chalasani and his colleagues set out to search for a new mammalian protein that made cells highly ultrasound sensitive at 7 MHz, considered an optimal and safe frequency.” Our approach was different than previous screens because we set out to look for ultrasound-sensitive channels in a comprehensive way,” says Yusuf Tufail, a former project scientist at Salk and a co-first author of the new paper.
The researchers added hundreds of different proteins, one at a time, to a common human research cell line (HEK), which does not usually respond to ultrasound. Then, they put each cell culture under a setup that let them monitor changes to the cells upon ultrasound stimulation. After screening proteins for more than a year, and working their way through nearly 300 candidates, the scientists finally found one that made the HEK cells sensitive to the 7 MHz ultrasound frequency.
TRPA1, a channel protein, was known to let cells respond to the presence of noxious compounds and to activate a range of cells in the human body, including brain and heart cells.
But Chalasani’s team discovered that the channel also opened in response to ultrasound in HEK cells. “We were really surprised,” says co-first author of the paper Marc Duque, a Salk exchange student. “TRPA1 has been well-studied in the literature but hasn’t been described as a classical mechanosensitive protein that you’d expect to respond to ultrasound.” To test whether the channel could activate other cell types in response to ultrasound, the team used a gene therapy approach to add the genes for human TRPA1 to a specific group of neurons in the brains of living mice.
When they then administered ultrasound to the mice, only the neurons with the TRPA1 genes were activated.Clinicians treating conditions including Parkinson’s disease and epilepsy currently use deep brain stimulation, which involves surgically implanting electrodes in the brain, to activate certain subsets of neurons.
Chalasani says that sonogenetics could one day replace this approach—the next step would be developing a gene therapy delivery method that can cross the blood-brain barrier, something that is already being studied. Perhaps sooner, he says, sonogenetics could be used to activate cells in the heart, as a kind of pacemaker that requires no implantation.
“Gene delivery techniques already exist for getting a new gene—such as TRPA1—into the human heart,” Chalasani says. “If we can then use an external ultrasound device to activate those cells, that could really revolutionize pacemakers.”For now, his team is carrying out more basic work on exactly how TRPA1 senses ultrasound.
“In order to make this finding more useful for future research and clinical applications, we hope to determine exactly what parts of TRPA1 contribute to its ultrasound sensitivity and tweak them to enhance this sensitivity,” says Corinne Lee-Kubli, a co-first author of the paper and former postdoctoral fellow at Salk.
They also plan to carry out another screen for ultrasound sensitive proteins—this time looking for proteins that can inhibit, or shut off, a cell’s activity in response to ultrasound.
The other authors of the paper were Uri Magaram, Janki Patel, Ahana Chakraborty, Jose Mendoza Lopez, Eric Edsinger, Rani Shiao and Connor Weiss of Salk; and Aditya Vasan and James Friend of UC San Diego.
The work was supported by the National Institutes of Health (R01MH111534, R01NS115591), Brain Research Foundation, Kavli Institute of Brain and Mind, Life Sciences Research Foundation, W.M. Keck Foundation (SERF), and the Waitt Advanced Biophotonics and GT3 Cores (which receive funding through NCI CCSG P30014195 and NINDSR24).
About the Salk Institute for Biological Studies: Every cure has a starting point. The Salk Institute embodies Jonas Salk’s mission to dare to make dreams into reality. Its internationally renowned and award-winning scientists explore the very foundations of life, seeking new understandings in neuroscience, genetics, immunology, plant biology and more. The Institute is an independent nonprofit organization and architectural landmark: small by choice, intimate by nature and fearless in the face of any challenge. Be it cancer or Alzheimer’s, aging or diabetes, Salk is where cures begin.
Featured image: Neurons (magenta) in the mouse brain. The Chalasani lab made specific neurons express TRPA1 (white), so they can be activated by ultrasound.
Despite a fluctuating legal status since 1892 when the first Criminal Code of Canadawas established, Canadians have remained firmly welded to the idea of a bet. Whether it is a matter of sports betting or the more calculative games provided by casinos, and more recently over the internet, Canadians, it seems, love to gamble.
What it is in the Canadian national psyche that drives this appetite is far from clear.
Those reports that have dealt with the question have tended to look at the administrative and legislative conditions that have enabled the industry to establish itself, rather than asking the more fundamental question of where the appetite for this form of recreation stems from.
There is no doubt that the way the gambling industry in Canada is managed at a state level has meant that local pockets of gambling activity have been allowed to flourish. Smith points to the way that two Criminal Code of Canada amendments (1969 and 1985) were ‘pivotal’ in enabling the expansion of the industry. The first was because it decriminalized lotteries and casinos and the second because it allowed electronic gambling devices whilst also allowing provinces to operate and regulate the industry within their territories. In essence, because there was no one-size-fits-all brake on the industry it was allowed to extend into all those areas where it was not explicitly barred.
Against that historical backdrop the emergence of the internet and the de-territorialised markets it has allowed to develop have seen the Canadian appetite for gambling further supplied.
Such is the extent of the market that European based providers, such as Bet365, the UK’s leading online provider, are going out of their way to woo Canadian punters. Specialist sports books focusing on Canadian sports as well as a long list of games and pursuits that are already well-established across North America – not least poker and blackjack – mean that what these providers are offering is a perfect fit for the Canadian market.
There is a sense that with the US gambling industry seemingly at a tipping point in terms of the full deregulation of online gambling, these global providers are doing everything they can to achieve a presence and a profile on the continent. The basic thinking is that something akin to a gold rush is set to take place once the US marketplace truly opens up, and that rolling out into the US market will be easier from Canada than from Europe.
If this makes it sound as though the Canadian gambling market is somehow merely a stepping stone that is far from the case. Canada’s gambling market is itself measured in the billions of dollars and it is an entirely viable proposition on its own merits.
Of course, what it is that makes Canadians so happy to gamble remains an open question.
. Amidst such a diverse and heterogeneous population is it possible that enjoying a gamble in one form or another is one of the things that unites us as a nation? For the Silo, Jarrod Barker.
This post is dedicated to geeks who want to let their passions shine through their decor.
The graphic below gives cool examples of accessories that you can introduce into your home to give people an idea of the geekier side of your life. Some are subtle, like the equation bookshelf, while others are more in your face, such as the giant rubrics cube coffee tables. What all of these share is how they have incorporated elements considered to be ‘geeky’ into stylish decor. A personal favourite is the wall that has apparently been repaired by Lego bricks. We assume that this isn’t actually the case, but if we were buying a property with that in we’d certainly want a thorough survey done.
Whatever style of decoration you prefer, if you’re looking to add something a little fun and a tad geeky to your home then this piece will help give you some great ideas. Friends of the Silo, Terry’s Fabrics.
Eiko Otake performing at Bartram’s Garden on the Schuylkill River.
“The purpose of art is washing the dust of daily life off our souls.” – Pablo Picasso
Art is an imperative. Without it we can never truly examine our own circumstances or those of the people with whom we inhabit our small planet. Left unviewed, art languishes. Left without art to view, so does humankind. There are many who recognize the gift to the world that every artist has to offer. There are many who endeavor to do whatever they can to ensure those gifts are received by a grateful public. To stifle the artist’s voice is to silently say I care little about the fate of the minds of the masses. Art is essential. It is what fills the space between the rest of the din, making sense of a chaotic universe.
Bill Arnold splits his time between New York and Western Massachusetts. Since 1974 he has had a studio in Western MA and an apartment in NY. Arnold prefers to keep a foot in both worlds. Florence, MA is a small town near Northampton where there is plenty of space and the space is affordable. New York on the other hand is extremely restrictive in that a very small amount of space is prohibitively expensive. Artists require space not only to work, Arnold says, but space for their imaginations, “space to conjure.”
And so he maintains his Western MA studio.
The work he has done in that studio over the years has been varied and prolific. Arnold has endeavored, and often succeeded in getting his work into public venues including museums. He finds it thrilling to see his work in commercial venues. The first time he experienced this was in the 1970’s when he put roughly 1,000 photographs in 25 Boston city buses. There was no indication on the outside of each bus whether there were photographs on board so passengers didn’t know which buses were galleries inside. Because of the nature of the venue, more people saw that project than visited the Met, according to Arnold. In order to fund the project, he approached multiple museums getting them to agree to fund the cost of materials for the show provided he put on exhibitions in each city where the museums were located.
Arnold was both an exhibiting artist and a curator for this project. The project was well received, with weary commuters sometimes voicing their appreciation. From there, Arnold went on to do other bus shows. The format went viral long before viral was a thing. For another show, Arnold gave images to members of the audience who then organically began sharing the images with each other. Throughout his career, Arnold has turned traditional notions of exhibition on their heads. With the advent of digital advertising, the cost of printing has plummeted. Arnold uses this to his advantage. In 2018 he printed 10,000 newspaper inserts for the Daily Hampshire Gazette. As a student photographer, Arnold was encouraged to have a camera with him at all times. To this day he follows this practice. Arnold has photographed the same spot on his travels from NYC to MA for many years.
He intends to exhibit many photographs of the same place at the Bergen Street Station. Photography is accessible to everyone, Arnold says. Because anyone can make a photograph, anyone can also view a photograph and take something away. A series of photographs depicting old cars elicited stories from viewers of all kinds about cars they remembered and loved. To hear more about Bill Arnold’s thoughts on work and life, listen to the whole interview here.
Harry Philbrick left his position as director of the museum at the Pennsylvania Academy of the Fine Arts about two years ago. He then launched his own project called Philadelphia Contemporary. The nonprofit does pop-up exhibitions and performances throughout the city. The goal is to ultimately build a permanent space where the nonprofit can become a non-collecting, collaborative space. Prior to his position at Pennslyvania Academy of the fine Arts, Philbrick was director of the Aldrich. It was there that the idea for Philadelphia Contemporary began to percolate. He began exploring the notion of partnerships. Specifically long-term, sustainable partnerships that would allow the museum a broader reach. Upon relocating to Philadelphia, Philbrick realized there was a gap in the cultural ecosystem in that there was no large scale independent contemporary art museum. Philadelphia also seemed primed for Philbrick’s model in that the cultural environment is “unusually collegial.”
The first project was a partnership with Headlong Dance.
The project was titled The Quiet Circus in which the dancers took part in a year long residency on a pier. Each week dance pieces encouraged members of the public to join in. From there Philbrick and his small team created River Charrettes, a series of four pieces also set among the changing landscape of river banks. River Charrettes was an appropriate opening for Philadelphia Contemporary. The project embodied the idea of many people from different places coming together. Since then there have been readings and other events. At the moment there are many large scale projects in the works. An expanded staff has allowed for grander visions. The process of growth has been very deliberate, carefully adhering to the founding vision of the project.
Funding for Philadelphia Contemporary comes from many places. In order to run the organization, pay staff, and plan for the future, Philbrick has had to map out a plan from all he has learned over his years in the art world. Seed capital came from individual funders who believed strongly in the mission. More recently, Philadelphia-based foundations have come on board. For Philbrick, the key to his project is pushing forward the model for a nonprofit contemporary art space. Moving forward the same model applies, starting with individual funders and moving from there to foundational support. To hear more about Philadelphia Contemporary and arts organization funding, listen to the whole interview here.
A Few Words to Keep in your Pocket: Speak your art loudly. Do not settle for its slow demise. Bring it into the light, find allies, give your gifts to the world. For the Silo, Brainard Carey. Featured image- Francis Bacon’s London studio- in its relocated home in Dublin, Ireland.
(LAS VEGAS) — Bettors could place $1 billion usd in wagers on Super Bowl LVI at legal online and retail sportsbooks across the country, according to projections by PlayUSA, which provides news and analysis of the U.S. gaming industry. If sportsbooks reach those estimates it would roughly double last year’s estimated Super Bowl handle of more than $500 million, a product of the continued proliferation of legal sports betting.
“$1 billion usd in legal wagering on a single game would be an impressive milestone for the industry,” said Dustin Gouker, lead analyst for PlayUSA.
“It would have seemed impossible just a few years ago to reach such heights, but with the expansion of sports betting over the last year it is inevitable that legal wagering will soar.”
The Super Bowl is the most-wagered-on single sporting event in the U.S. In 2021, the American Gaming Association estimated that Americans & North Americans bet $4.3 billion usd on Super Bowl LV, both legally and illegally. PlayUSA estimates that more than $500 million usd was wagered at legal online or retail sportsbooks for last year’s game between the Kansas City Chiefs and the Tampa Bay Buccaneers, still a small chunk of the more than $50 billion usd in legal wagers placed across the country throughout 2021.
When the Los Angeles Rams and Cincinnati Bengals meet for the Super Bowl on Feb. 13, sports betting in some form will be legal in 30 states and Washington D.C. Those jurisdictions represent more than 166.9 million people, according to the U.S. Census Bureau estimates for 2021. By contrast, 120 million people lived in 21 legal sports betting jurisdictions for last year’s Super Bowl.
For this year’s game:
Sports betting is legal in at least some form in Arizona, Arkansas, Colorado, Connecticut, Delaware, Illinois, Indiana, Iowa, Louisiana, Maryland, Michigan, Mississippi, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, and Wyoming.
New York, which was limited to retail sportsbooks last year, launched online betting in early January. New York is already on pace to shatter the U.S. record for monthly handle, which New Jersey set in October with $1.3 billion usd in bets.
Arizona, Connecticut, Louisiana, Maryland, North Carolina, North Dakota, South Dakota, Washington, Wisconsin, and Wyoming did not offer any form of legal sports betting for last year’s Super Bowl.
Even with legal sports betting in 30 states and Washington, D.C., no team from a state with legal sportsbooks has ever played in the Super Bowl. That will continue this year as Ohio awaits launch sometime over the next year and California lawmakers debate legalization.
“The sports betting landscape has changed dramatically since last year’s game,” said Eric Ramsey, data analyst for PlayUSA. “More than half of all Americans now live in a legal jurisdiction, and even well-established markets such as New Jersey and Nevada have grown significantly over the last year as mobile betting gains in popularity.”
PlayUSA projects that Nevada, which was the second-largest market in 2021 and historically the top Super Bowl market, will produce the largest Super Bowl handle with $175 million usd. New York could generate $160 million usd. If those estimates come to fruition, that would be more betting volume than every legal sportsbook in the U.S. combined to tally for the 2019 game.
New Jersey ($130 million usd), Illinois ($75 million usd), Pennsylvania ($70 million usd), Arizona ($55 million usd), Michigan ($45 million usd), Indiana ($40 million usd), Colorado ($35 million usd) Louisiana ($35 million usd), Virginia ($35 million usd), and Tennessee ($30 million usd) will follow Nevada and New York, according to PlayUSA estimates.
“Americans & North Americans have become increasingly comfortable with online betting in general and the less conventional bets it facilitates, such as in-game wagering,” Ramsey said. “This should really help boost Super Bowl betting, which for years has enticed bettors with fun prop bets and other unconventional wagers. The big difference this year is those types of bets are easier than ever to make in more places than ever before.” For The Silo, Zack Hall.
Everyone already knows Kimera Koffee’s for its finest ground coffee, highest quality beans, and some of the best flavors on the market. Now Kimera Koffee is growing the family with its limited edition Phase 1 Peaberry Whole Bean Koffee and Kimera Koconut Oil.
The Kimera Koffee Pase 1 Peaberry Whole Bean Koffee is grown in Jarabacoa, Dominican Republic. Using some of the finest beans, this blend uses the plants’ yield of 3%-5% peaberry beans, each hand selected and sorted. Peaberry beans are unique in that they are the only bean in the cherry (rather than two), therefore receiving all of the plant’s nutrients in a concentrated dose.
Peaberry beans roast differently partly because they have a single coffee bean within a single coffee cherry (fruit), instead of the usual two half-beans per cherry.
Peaberry beans are regarded as naturally sweeter, more aromatic, and more pleasant in taste than regular coffee beans.
This limited edition flavor packs a punch to your morning routine with some of the freshest, most potent whole beans you can find.
Kimera’s other new addition is the Kimera Koconut Oil. This handcrafted, pure coconut oil is sure to pack a delicious punch with any drink or cooking need. Kimera’s Koconut Oil is extra virgin and cold pressed, giving you the finest, most high quality oil on the market. The oil is non-GMO and unrefined for the best flavor and potency money can buy.
As well as Kimera Koffee’s dedication to proving the high quality products on the market, they are aslo are proud supporters of the Belarminio Ramirez Foundation, which uses their donations to provide school materials, clothes, food, and basic household appliances to communities in the Dominican Republic’s farming towns. Every Kimera Koffee purchase helps aid this fight for a better future. Featured image- cronkite.asu.edu For the Silo, Katie Lapinski.
Kimera Koffee can be purchased online through their website at kimerakoffee.com or Amazon, as well as at select retailers in the USA, Canada, Ireland, the United Kingdom, South Africa, Australia, and New Zealand.
Supplemental- The many great health benefits, both physical and mental, of MCT Oil vs Coconut Oil.
Once projected to list for $500 million USD, this LA home is for sale at a still staggering $295 million USD.
“America’s Most Expensive Home – Twice As Big as the White House”
One of the world’s most expensive homes, appropriately named “The One,” has just hit the market. Construction ran several years late causing financial issues for the developer. If The One sells anywhere near the $295 million USD ask, it would be the most expensive home ever sold in California, well over the $177 million USD that venture-capitalist Marc Andreessen paid for his Malibu mansion in 2021 and the $165 million USD that Amazon CEO Jeff Bezos paid in 2020 for his Beverly Hills estate.
Perched on a promontory with 360-degree panoramic views of the Pacific Ocean, downtown Los Angeles and the San Gabriel Mountains, the Bel Air mansion is surrounded on three sides by a moat and measures in at a mind-boggling 105,000 square feet – almost twice as big as the White House. Located on 3.8 acres, the house, which was actually raised during construction to further optimize the views, includes 21 bedrooms and 49 baths.
Highlights of The One include five outdoor and indoor swimming pools with the moat encircling three quarters of the exterior, a massive nightclub, full-service beauty salon, wellness spa, 10,000-square-foot sky deck, 400-foot private outdoor running track with a glass-walled view of the city, and a private theater with seating for over 40.
In addition to ownership of one of the world’s most spectacular homes, the property also includes butterfly artwork by Stephen Wilson, an Oto Murano chandelier by Vistosi, a rotating statue by Mike Fields, and a glass sculpture by Italian artist Simone Cenedese. There is also a two-story library/office with a balcony and water features touching three windowed walls, and parquet flooring. Add in a custom bar with a smoked-mirror backsplash and marble countertops, a cigar lounge, four-lane bowling alley, putting green, wellness center, gym, a 64-foot (19.5 Meter) indoor pool with juice bar, tennis court, 10,000-bottle wine cellar, and a 30-plus car garage with two car-display turntables.
Entertaining in such unique luxury might draw some interesting Bel Air neighbors such as Jennifer Lawrence, who moved there last year, Justin Bieber, Taylor Swift, Liam Hemsworth, Miley Cyrus and Kylie Jenner to name just a few.
The property is listed by Aaron Kirman of Compass, Beverly Hills and Branden and Rayni Williams of The Beverly Hills Estates, Beverly Hills, and will go to Concierge Auctions, which if not sold prior, will be held online on February 28th. For The Silo, Terry Walsh/Top Ten Real Estate Deals.com.
When Facebook founder Mark Zuckerberg took to Capitol Hill to explain user data retention almost four years ago, he essentially sat in the hot seat on behalf of every entity that has ever collected and used personal information to craft better products. If that sounds like a massive catch-all, that’s because it is. However, Systems America, Inc. President Adesh Tyagi says it’s not as nefarious as it may sound. As the head of a global information technology services company, Tyagi knows that “Big Data” can be collected, applied and benefit the general public all at the same time.
Big data is exactly what it sounds like, says Tyagi, who has more than two decades of experience in this sector and whose company was previously awarded for being one of the fastest-growing in America.
It’s a compilation of information broken out by software that makes sense of the traits and behavior of service users. With a background that includes cloud computing and analytics plus Mobil Oil and McDonald-Douglas (now Boeing) among former clients, Tyagi says that any company can request an in-depth study of customer information to better design upcoming offerings.
This is sheer advertising at its core and it’s exactly what companies that work with Facebook do when they buy ad space on the social media platform. Do not confuse this with the fact that a third party was able to get its hands on 87 million Facebook accounts and use it as part of presidential election subterfuge. This occurrence is prolific on a global level, recently the Indian government expressed a sincere concern that third parties may have influenced the country’s elections. Similar concerns have been expressed by the Kenyan & Nigerian governments.
Tyagi says that this is inexcusable and a result of either over-confidence and laid-back oversight and provides an illustration of how technology can be used against the greater good of mankind.
Why big businesses buy into big data. They believe insight gleaned from big data analysis offers:
Happier users and larger returns due to consistently in-tune goods and services.
Learning more about which goods and services are going to use while others are ignored and why.
Real numbers to pair with real-world efforts to show investors regarding current efforts.
Adesh Tyagi.
“You basically employ different analytical tools to come up with the best services or tools for that particular customer,” says Tyagi. An example he points to as it pertains to data-driven solutions are financial products being deployed by a bank such as insurance programs or a new credit card. By retaining Systems America before launch, an enormous amount of information about members can be broken down by geography, income history, account balances and more. In his view, this is no different from a grocery store looking at what people are buying and deciding which products to purchase when restocking the shelves. For the Silo, Greg Adomaitis.
Searching for a mortgage broker can seem like an overwhelming process and you might not know where to begin.
The search can be lengthy and if you are faced with an emergency situation and need fast funding, you might not have much time to do the proper research. Below is a list of the top things to consider when searching for the right mortgage broker for your needs.
Choose Someone Who Offers Solutions To Your Problems – Not all mortgage brokers are created equal. Some mortgage brokers have training in specialized areas like stopping power of sale or debt consolidation. Additionally, if you have been turned down by the bank due to poor credit, you will have a greater chance at securing a mortgage loan through a subprime mortgage broker as they have the skills and experience in dealing with complex applications. Thus, it’s important to select someone who can help provide a solution to the problem you are facing.
Do They Have A Good Reputation? – Check out their website, read their testimonials and reviews and preview their social media profiles. Mortgage brokers will at the very least have a website. View the company’s About Us or Team page to get a sense for who you will be working with and if they seem trustworthy.
Is The Brokerage Registered With the Better Business Bureau? –Ideally, the brokerage should be registered with the Better Business Bureau. A BBB accreditation means the business has met all the requirements to be granted accreditation status including completing an application form, undergoing a thorough business check and meeting the BBB’s standards.
Ask Them About Past Clients in Similar Situations – The brokerage’s approach to providing solutions is very important and they should be dedicated to a high level of customer service. Ask the mortgage broker if they have helped others with the same borrowing needs. The mortgage broker should have your best interest at heart – if not, look elsewhere!
Pick Someone Who Has Done Work Before in Your City or Area –Because you will be working closely with the mortgage broker, it makes sense to deal with someone who lives and works in your area because they will most likely have a strong connection with the community and can offer a more personalized approach to handing your application.
Mortgage Brokers are becoming increasingly popular over banks and credit unions because of their ability to access a large number of lenders to secure the best rates. If you are unable to obtain a referral from a friend or family member, then by following these 5 tips, you’ll be sure to find the right individual that suits your needs. If you’ve done your research properly, then you should feel confident that you have chosen the right person to work with.
Having a strong relationship with your mortgage broker is important in making sure they understand your unique needs and can provide the right advise. After all, it’s your financial wellbeing that is the greatest priority, so having an experienced person on your side who is dedicated to your needs is the most important. Featured image: Shutterstock
Claustrophobia. Few feelings create anxiety more than being trapped in a small confined space. Many films take advantage of this discomfort, often being filmed in one location or room for the entire movie.
We look here at some of the best, ranked in order of their claustrophobic factor.
Did we miss one? Do you disagree with our ranking? Leave us a video comment by clicking the record button- we’d love to hear what you think.
The Morgan Motor Company announces the launch of the Plus Four LM62, a model which celebrates the company’s legendary class win in the 1962 24 Hours of Le Mans. Based on the standard Morgan Plus Four and limited to just 62 examples, it pays tribute to the Morgan Plus 4 SuperSports – known by its registration TOK 258 – which took victory in the 2.0-litre class of the gruelling endurance race six decades ago.
The renowned TOK 258 was finished in dark green, while a particular shade of red was popular on motorsport Morgan vehicles of the time, and these two colours have inspired the hues available on the Plus Four LM62. A Heritage White hardtop – just like the one fitted to the famous race car – comes as standard, marking the first time this item has been available for the model. Further paying homage to the victorious Morgan is an LM62 graphics pack, which includes roundels with the number ’29’ – as per TOK 258 – as well as an LM62 rear badge, silver-painted wire wheels, a Le Mans-style fuel filler cap and a domed rear panel. These touches are complemented by driving spot lights, body-coloured A-pillars, a black splitter and cowl mesh, polished stoneguard, black mohair sidescreens, a sidescreen bag embroidered with the LM62 logo, and an active sports exhaust with black tailpipes.
Inside, the model is adorned with an LM62 metal plaque, displaying the car’s unique build number from its run of 62 examples, along with LM62 laser-engraved black saddle-leather door pulls and headrests embroidered with the specially designed LM62 graphic. Bespoke satin lacquer rubber mats with black vinyl edges, painted steering-wheel centre, and a Tawny wood centre-tunnel top and dashboard come fitted to the LM62 as standard, while heated black leather Comfort Plus seats with horizontal pleating, perforated seat centres and matching stitch colour, complete with leather wrapped seat backs complete the interior aesthetic.
To further personalise your Plus Four LM62, options include a soft-top hood, LM62-specific photographic build record, and an LM62 accessory pack which includes two-eared wheel spinners, a Moto-Lita steering wheel, headlight tape, and a chrome interior rear-view mirror.
Steve Morris, Chairman and CEO of Morgan Motor Company, said: “The 1962 Le Mans class-winning Morgan Plus 4 holds a special place in the hearts of Morgan enthusiasts, employees and owners around the world. It marked one of Morgan’s greatest motorsport achievements, the car covering more than 2,200 miles at an average running speed of almost 94mph, and triumphing – like David vs Goliath – over our bigger, and better funded, rivals of the time.
“With the Morgan Plus Four LM62, we pay homage to this famous vehicle and incredible moment in time, 60 years on. Limited to just 62 individually numbered examples, the bespoke touches and enhanced level of standard specification make these cars an enticing proposition for customers wanting a piece of Morgan history.”
The Plus Four LM62 is available from Morgan Dealers globally, in left- or right-hand drive, and with the choice of manual or automatic transmission, the Plus Four LM62 is on sale now. In the UK, it’s priced from £78,995 ($134,224.81 cad). For pricing in other regions please consult your local Dealer.
About Morgan Motor Company:
Morgan Motor Company is a British manufacturer of handcrafted sports cars. Located in Malvern Link, UK. The world-famous Morgan vehicles offer a unique blend of charisma, quality materials, craftsmanship and performance. Morgan has been handcrafting coach built traditional British sports cars that are thrilling to drive and unique within the marketplace since 1909. In March 2019, Investindustrial purchased a majority share of the company, and by doing so invested in the long-term future of the Morgan Motor Company building cars in Britain. The Morgan family, along with the senior management team and the wider workforce, retain a shareholding of the company and work alongside Investindustrial. Morgan produces around 850 models, of which over 70% is exported. Its model range – comprising of the 3 Wheeler, Plus Four and Plus Six – is sold through 50 official dealerships in 32 countries.
Almost 6 billion accounts affected in data breaches in 2021
The year 2021 was record-breaking in terms of the sheer size of data breaches. According to the data collected and analyzed by the Atlas VPN team, 5.9 billion accounts were affected by data breaches throughout 2021.
Atlas VPN has retrieved and calculated the numbers of breached accounts based on multiple publicly available sources. The total count includes worldwide data breaches that took place from January 1st, 2021, to December 31st, 2021.
February saw the biggest data breach of all-time — COMB, or in other words, the Compilation of Many Breaches, which is responsible for the leak of a whopping 3.2 billion unique cleartext email and password combinations.
The breach was named this way because it is not a result of a single hack of a specific organization but rather combines leaked data from a number of different breaches spanning five years, including Netflix, LinkedIn, and others.
The breached data was first offered for sale on RaidForums, an underground database sharing and marketplace forum, for just $2 in February. Other breaches that made it to the top five biggest data leaks of 2021 include LinkedIn (700 million people), Facebook (533 million people), Brazil’s Ministry of Health (220 million people), and SocialArks (214 million people).
Cybersecurity writer and researcher at Atlas VPN Ruta Cizinauskaite shares her thoughts on 2021 data breach trends: “Even with data breaches becoming a growing threat, it seems organizations are still not putting enough effort in protecting the personal information of their users. One of the first things every organization should do is evaluate the amount of sensitive user data it collects — the less sensitive data is stored, the lesser the risk of it being leaked.”
In 1981 RCA introduced Selectavision even though they knew they had little chance of getting these things into most people’s homes. Laserdiscs had been on the market for several years and video cassette recorders were starting to become more affordable and popular. But RCA had invested millions of dollars and spent 17 years engineering a way to extend the playing time of the LP record and embed full color, full motion video. The fact that they were successful seems incredible given the age of the vinyl medium. It had been around for a long time.
That’s part of what makes this format so wonderful.
It’s an analog medium and when properly set up and viewed it can create a rich, warm viewing experience, far closer to a movie theater showing film than DVD. Yes I said that and I know there will be many that will think I am wrong. If you are one of them leave a comment at the bottom of this post and I will be happy to send you screen shots and a couple of reasons why what I’m saying makes sense. This is what family cinema was meant to be. It isn’t about lines of resolution and eight channels of sound, it’s about experiencing film as nostalgia, as fun, as intimacy, together as a family, even as art. Consider how a painting compares to the print or the digital copy of that painting. The original painting has a richness and a vivid quality that is difficult to describe in words. It has an immediacy and a temperature. Prints and digital images, although fine for technical analysis, do not create the same connection with the viewer.
There are other ways that collectors of CED’s (Capacitance Electronic Discs or Selectavision for short) connect with this unique format. They take special pride in the jukebox like mechanism that extracts the vinyl disc from its protective plastic jacket. They appreciate the fantastic sound quality of stereo transfers- most stereo discs carry the Dolby Stereo/Surround information signal which can be decoded with modern receivers. They admire technicolor movies that have a certain ‘glow’ on this format. (Still image screenshots do not demonstrate this strength because the effect is accumulative via moving images and scene transitions.) They enjoy watching classic movies on classic 4:3 television screens. They reminisce and appreciate a time when small screen sizes meant watching movies and shows from a physically closer position- circled around a TV in a cozy nook.
These folks probably never gave up their vinyl record collections and who can blame them? They’re laughing on that one, by the way. For the Silo, Jarrod Barker.
The manufacturing process.
-Unaltered CED Movie Screenshots-
The Thomas Crown Affair 1968 director Norman Jewison
Rocky2 1979 director Sylvester Stallone
TRON 1982 Director Steven Lisberger
Black Orpheus 1959 Director Marcel Camus
Superman The Movie 1978 Director Richard Donner
The Hound of the Baskervilles 1959 Director Terrance Fisher
Playboy Collectors Video #2
Star Trek: The Motion Picture 1979 Director Robert Wise
Do you have trouble using your smart device in the cold?
Here’s some good news for you- we’ve improved our knitted touchscreen gloves, raising the bar again with the introduction of the Single Layered and Double Layered Touchscreen Gloves. Featuring an updated nanotechnology design that includes a leather wrist strap, leather cuff boards, upgraded material for increased durability and maximized grip and a magnetic snap closure ensuring strong holding power while reducing tension on the strap during opening / closing. Here’s the story behind these innovative gloves-
There’s a new kid on the block, a brand new addition to Mujjo’s highly appraised line of Leather Touchscreen Gloves. Fitted with a fold-over closure and marked with the brand’s familiar slant line, the new Leather Touchscreen Gloves are a bold statement with an iconic look.
Crafted with poise and quality
Designed by Remy Nagelmaeker (Co-founder) with subtleness in mind, the new gloves were formed according to Mujjo’s signature aesthetics. Crafted with poise and quality, the gloves present characteristics of masculinity with carefully considered materials. The matte finishing of the leather allows for a well-balanced iconic look in uniform dark tones along with a few areas of contrast intensifying the low-key design.These gloves are equipped with a magnetic snap closure, ensuring strong holding power while reducing tension on the strap during opening / closing.
Powered by nanotechnology
Powered by state of the art nanotechnology, which mimics the conductive properties of the human skin, Mujjo’s touchscreen gloves offer an unrestricted touchscreen experience and enable the user to utilize all fingers and even the palm of their hand.
To make the gloves compatible with touchscreen, nanotechnology is infused into premium Ethiopian lambskin known for offering the best isolation properties of any kind of leather. The technology functions independently from the human skin which enables us to fully insulate the gloves with a soft and warm cashmere lining.
A great gift for someone
There’s no doubt our product would make for a great gift for someone, which is why we’ve put serious effort into designing the gift box. It is important to us that the high-quality of these leather gloves radiates through the packaging. The gift box package embodies the low-key personality of the gloves, delicate yet striking. Made with attention to detail, the materials are of uniform dark tones and contrasting textures.
The Story
Mujjo pioneered unrestricted touchscreen gloves and has continued to improve and evolve on all aspects of the designs ever since. For the Silo, Jarrod Barker.
The Picnic Pizza Station saves time, money, and labor by streamlining pizza prep without compromising quality.
An intuitive system makes training and operating a breeze. The Picnic Pizza Station is the essential back-of-house makeline. The modular food prep system fits into any kitchen and uses the owner’s unique recipe, delivering perfect pizza every time. Requiring only one operator, the system can produce up to 100 pizzas per hour which saves labor costs and increases yield through decreased food waste.
Combining sauce, cheese, pepperoni, and granular topping modules into any preferred configuration complements existing kitchen Pizza take out and restaurant operations. Further streamline production by connecting the station directly with an existing oven.
Picnic software solutions integrate with your POS system and includes an intuitive touch screen interface for ordering pizza and a dashboard to track ingredients and predict inventory needs.
Advantages of the Picnic Pizza Station
Reduced labor costs: One operator can make up to 100 pizzas per hour. Reduced food waste: Apply precise amounts of toppings with less than 2% food waste. Consistent product: Use your recipe to create uniform, consistent pizzas every time. Increased hygiene: Contactless assembly system, minimal operator ingredient handling.
• Small footprint. No special hook-ups • Typical install is 86” (218 cm) W X 56” (142 cm) H X 40” (102 cm) D • Easy to install with limited build-out • Modular, configurable design • Commercial-grade; built for food service • Easy to clean. Dishwasher-safe • Intuitive assembly and disassembly • Free delivery. Free installation • Free on-site maintenance checks • Robotics-as-a-service subscription model • Touch-screen interface • Integrates into existing POS • Quick to learn and no-hassle operation • Customized software to meet your needs • Temperature-controlled assembly line • Fresh sliced pepperoni; never pre-cut • Use your recipes with consistent results • Well-lit and accessible from top and front • Reduce food waste • Integrates into existing make lines • Monitor ingredient usage and yield
2021 was the year of the NFT. We saw amazing levels of interest in NFTs arise as people began to recognize their usefulness as digital assets. Thanks to the rush of development and interest from this year, we can expect interest and adoption levels in 2022 to easily meet or even eclipse those that we have seen in 2021.
2021 has really laid the groundwork for development in the Crypto industry as a whole and nowhere is this more apparent than with NFTs. Now that these digital assets have become recognized and appreciated as tangible assets; we can expect adoption rates to rise across the industry. Furthermore, developments across the industry will come into their own in 2022. Blocto, the digital wallet and Crypto provider, for instance, will continue to update its services including in the NFT field in the new year.
Mark Cuban. Image: Forbes
Mark Cuban, Dallas Mavericks owner and famous Shark Tank investor, sees the dual benefits of NFT development as well as the services that Blocto offers and has invested heavily in both Blocto and in the creation of NBA TopShots, which offers NFTs in the form of clips of NBA games that give person a literal piece of the game to own.
CEO of Blocto, Hsuan Lee, sees the coming year as potentially one of the most important years in history for Crypto, especially when it comes to NFTs. AS NFTs grow in 2022, it is clear that their impact on the financial industry and their value as digital assets will surge as well.
The stay at home orders for the coronavirus has been extended in most cities, and for many of us who thought it would only be a few weeks, we are realizing that these orders might be for a lot longer than that.
What we thought might be a nice break from the grind of overworking has turned into a situation where we do not know what to do with ourselves. We have watched every series and film on Netflix that we missed and reruns of our favorite sports teams just ain’t cutting it the way we thought they would.
Online Casino Gaming
You might be tired of watching Netflix, and perhaps you are done with not having any interaction with your entertainment. This will push you perhaps toward playing interactive games. These can be great, but most are aimed toward young people, and they do not have any real-world consequences. As a result, they can get pretty boring after a while.
If you want something to do that is both interactive and has consequences, gambling at casinos online like Casimba is an excellent choice for some entertaining fun. This interactive website and mobile app gives you access to all of your favorite casino games, including slots, craps, roulette, blackjack, bingo, Bacharach, and every form of poker that you can imagine. And unlike traditional casinos, you don’t have to travel in order to play your favorite games.
You can use your desktop, laptop, or tablet computer, or your smartphone. As long as you have an internet connection, you have access to all the amazing casino games. And to make things serious, you play for real money. So the stakes can get pretty high, and so can the entertainment when you play online casino gambling.
Learning a New Language
Most people would love to learn a new language. When they hear people able to move from one language to another, it is always cool. However, most people feel that learning a new language is difficult and extremely time-consuming. Well because of the coronavirus lockdown, you got lots of time on your hands. And today there is software like Babel that specializes in helping anyone to quickly learn a new language. The lessons are all online, and you can move at your own speed. Also, the company has dozens of languages for you to learn. Imagine coming out of the coronavirus lockdown able to speak a new language.
Meditation
Too many people think that meditation is an eastern practice that is not effective in the western world. The reality is that meditation is both wonderful at reducing stress, and is effective no matter where you are. Meditation has been practiced for thousands of years, and wherever it is introduced, it becomes part of society. In Western societies, even traditional doctors and medical institutions are now advising patients to indulge in meditation on a regular basis. Meditating is simple. You only need to sit in a quiet place and clear your mind. Steady breathing helps. It will take a while for you to do it, but after some practice you will find this simple exercise relieves stress and lifts your spirit.
The coronavirus has caused lots of stress and feelings of lost control. This is a natural response to a situation that takes you out of your normal routine. Invest some time in the endeavors included here and it will help you to relieve the coronavirus blues. For the Silo, Dimitry Karloff.
Whether you wish to improve your living space or you are going to sell your home, a home renovation will add instant value to your property.
Many home buyers are looking for homes that are ‘move in ready’ and don’t require much or any work prior to moving in. Because of this desirability, many homeowners are deciding to make upgrades to their home to increase the resale value. If you have a number of projects in mind that are on your ‘wish list’, but aren’t sure which one to start with, you might find these suggestions helpful.
Kitchen Remodel – This is probably the biggest project that you will undergo, but the one that has the most impact. The kitchen is the most used room in a house and the central hub for most activities. Thus, it makes sense to have a kitchen that is both functional and attractive. If the cabinets are old looking and the countertops are in poor condition, it is hard to overlook. For some, a major renovation might be out of reach, but there are smaller scale options that will also work to spruce up the appearance. You can add a fresh coat of paint or even just reface the cabinetry with new wood panels and hardware. Overall, you can likely recoup 60% to 80% of the cost of the kitchen remodel.
Garage Door Replacement – A garage door makes a great design element to your home as it is one of the first things people see when they come to your home. Although it doesn’t always top the list of most popular projects, it should not be overlooked in terms of overall home value and curb appeal. Over 80% of Realtors believe a new garage door can impact home value – all the more reason to take on this project.
Fiberglass Entry Door Replacement – Nothing makes a moreimpactful statement than the attractiveness of your front door. Replacing the standard fiberglass entry door to something more stylized to your home will add to the ‘first impression’ element of your home. There are many attractive alternatives for a front door and finding a suitable design that goes with the home will add value straight away without having to undergo a major renovation. According to a recent study, replacing your front door has an average ROI of 75%.
Window Replacement – Having old windows with cracked or chipped frames greatly affects the look of your home. Potential buyers will notice them and so do appraisers. If you’ve got questions about buying new windows, get the answer from a reputable company before you buy. Replacing the windows in your home can add thousands of dollars to its market value, and with an average ROI of up to 85%, so it makes sense to consider it as a priority upgrade option, especially if you are planning on selling in the near future.
Deck Addition – A wood deck addition falls on the inexpensive side of remodeling projects, but it’s one of the more valuable. In fact, some experts claim that installing a deck can increase the value of your home significantly more than if you were to add another bathroom or living room at a fraction of the cost. The overall cost of installing a deck will largely depend on the size of the deck and material you use. However, most homeowners will recoup nearly 70% of the build cost after they have sold their home.
If you want to take on any of these home improvement projects, but don’t have the immediate cash on hand to make them a reality, then a home improvement loan might be something to consider.
What is a home improvement loan?
A home improvement loan can be a home equity loan, a HELOC loan, or any loan using home equity used for home improvement purposes. Borrowers will typically use these types of loans to access the capital they need to build on their investment.
According to a recent study, the value of residential mortgage loans from alternative lenders is steadily growing. Canadians are choosing to opt-out of traditional lenders’ extended waiting periods and paperwork and are finding that working with a mortgage broker is an easier, more streamlined process that saves time, effort and money. If you are a homeowner considering a renovation to your home, a reputable broker such as Burke Financial can help you with every stage of the process.
Rome, December 2021 – At a time when rural people in low-income countries face steep increases in food prices and the devastating impacts of climate change are contributing to a rise in hunger and poverty, Canada has announced today its commitment to support the resilience of small-scale farmers and the prosperity of rural communities by increasing its funding to the UN’s International Fund for Agricultural Development (IFAD).
The Canadian Minister of International Development, Harjit S. Sajjan, announced at a side event of the Tokyo Nutrition for Growth Summit today that Canada will commit an extra CA$37.5 million (about US$27.7 million) in support of IFAD’s Twelfth Replenishment – a process whereby Member States commit funds to the organization for its work over three years beginning in 2022.
This represents a 50 percent increase to the government’s initial pledge of CA$75 million (approximately US$55.5 million) bringing the total contribution of Canada to CA$112.5 million (about US$83.2 million).
In addition, Canada contributed a loan on very favorable terms amounting to CA$340 million (around US$255 million) to support climate smart and gender-sensitive agriculture approaches. Actions like this will help IFAD meet its commitment to double its impact by 2030 while making much-needed progress on reaching the Sustainable Development Goals, particularly SDG#1 (no poverty) and SDG#2 (zero hunger).
“Canada and IFAD have a long-standing partnership to end poverty and hunger in rural areas. We would like to sincerely thank Canada for stepping up its commitment to help the world’s most vulnerable people build their resilience and ability to adapt to the devastation created by climate change and other recent shocks,” said Gilbert F. Houngbo, President of IFAD.
“With this support, more small-scale producers, particularly women, will be able to increase food production, bring more nutritious and affordable food to markets and improve rural income opportunities.”
“Canada is promoting innovative, gender-responsive financing, including through our efforts to advance women’s rights, leadership and decision-making in agriculture and food systems. We look forward to continuing our work with IFAD to achieve a low-carbon, food secure, and climate-resilient future for us all—especially for those working on the forefront: rural women,” said Minister Harjit S. Sajjan.
The Canadian contribution will be used by IFAD to help finance its programme of loans and grants which is expected to total up to US$3.5 billion over the next three years. This will help approximately 110 million rural people increase their production and raise their incomes through better market access and rural financial services. It will also increase climate resilience and contribute to creating employment, particularly for women and youth, while improving food security and nutrition for the world’s most vulnerable people.
Canada is a founding member of IFAD.
Over the years, it has committed more than US$551 million to the Fund’s core resources, with a particular focus on initiatives for women’s empowerment and gender equality, improved rural livelihoods, better nutrition and climate adaptation. With Canada’s strong support, IFAD has become a leader in rural women’s empowerment, with women now accounting for a full 50 percent of participants in IFAD-funded programs and projects.
IFAD is an international financial institution and specialized agency of the United Nations dedicated to eradicating rural poverty in developing countries. It is focused on transforming agriculture, rural economies and food systems by making them more inclusive, productive, resilient to climate shocks and sustainable.
Eight out of 10 of the world’s poorest people live in rural areas, and most depend on agriculture for their livelihoods.
A new first-of-its-kind degree course from the University of Portsmouth is set to train the next generation of coaches and performance experts for esports.
Esports is competitive gaming and represents one of the fastest growing sectors globally.
Tournaments can attract millions of spectators and large stadium crowds, to watch high-profile players compete for cash prizes and global recognition – such as the global Fortnite World Cup, which has a prize pool of upwards of $17million USD.
Esports comprises games from several different genres and players can play one-on-one or in teams. Much like in traditional sports, there are large sponsorship deals and, increasingly, transfer fees for players. Esports sponsorship revenue reached $641 million usd in 2021, thanks in part to sponsorship from global companies like Coca-Cola, Gillette and Nike.
This new BSc (Hons) in Esports Coaching and Performance degree at the University of Portsmouth merges an understanding of gaming and technological skills with the psychology of sport and coaching in high performance environments – not dissimilar to the skillset of coaches in traditional sports.
Designed and delivered in partnership with IFoEC, the training partner of the International Federation of Esports Coaches, the new degree is a great next step for those who want to gain entry into a rapidly developing industry, develop a career as a coach in the field or acquire a range of transferable skills in leadership, communication and research, amongst others.
The course includes theory, research and practical experience to understand how to coach players to peak performance, and creating connections to the sector through expert lecturers and industry work experience placement to get hands-on experience.
The University of Portsmouth plans on expanding the size of the eSports bench.
David Price, course leader for BSc (Hons) in Esports Coaching and Performance, said: “The introduction of this course reflects the huge global interest in esports, and puts the University of Portsmouth firmly at the forefront of a fast-developing field. We look forward to welcoming our first cohort of students in September 2022, to help them become the next generation of coaches and performance experts in this exciting industry.”
SCOTTSDALE, Ariz. ‒ December , 2021 – Barrett-Jackson will celebrate 50 years of The World’s Greatest Collector Car Auctions with an extraordinary docket filled with uniquely collectible vehicles, all selling at No Reserve, including a restored 1955 300SL Gullwing Coupe (Lot #1415) during the annual Scottsdale Auction at WestWorld of Scottsdale, January 22-30, 2022. One of only 855 made in 1955, the Gullwing was initially delivered to Havana, Cuba, and subsequently rallied by professional race car driver Santiago “Chaquito” Gonzales.
“Some of the star collectible vehicles crossing the block at No Reserve in Scottsdale come with significant provenance,” said Craig Jackson, chairman and CEO of Barrett-Jackson. “The 1955 300SL Gullwing Coupe is one of those vehicles that we’re truly excited to offer at No Reserve. Not only is this Gullwing one of just 1,400 of a total production run, but its pedigree also includes a first-place win at the 1957 Havana Gran Premio National Race. This is an incredible chance to not just own a significant vehicle but help write the next chapter in its evolving legacy.”
Special ordered from the factory with Strawberry Red Metallic paint, the 1955 300SL Gullwing Coupe (Lot #1415) was delivered to the initial owner, the Ministry of Police in Havana Cuba, on June 16, 1955. After being rallied during the first part of its life, it was purchased in 1961 and imported to the United States. Optional features included factory beige leather, VDO gauges, wood steering wheel and custom aftermarket luggage. It is powered by the original matching-numbers M198 engine paired with a 4-speed manual transmission. This 300SL was restored by the third owner in the 1990s followed by a full engine rebuild by the fourth owner in 2003, and currently has only 59,265 miles.
The 1969 Chevrolet Camaro RS/SS “Cutaway” Coupe (Lot #1369) is one of only two known “cutaway” promotional display cars used in 1968. Referred to as the “Double Header Car,” it was used by Chevrolet in 1968 to promote the new 1969 Camaro model. The Camaro’s body is a “first day of production body” and much of it is still in its original condition from the time it was modified for display. It features one of the original GM straight-6 cutaway engines and has been kept privately and out of the public eye for 52 years.
“Our bidders will not only have the chance to take home an incredible vehicle from Scottsdale, but also a true piece of automotive history,” said Steve Davis, president of Barrett-Jackson. “A rich heritage combined with exceptional collectability, many of these vehicles will be the centerpiece of any collection.”
The 1961 Chevrolet Biscayne Fleetmaster 409 (Lot #1291) is reportedly the world’s only 2-door version built and powered by the 409ci engine. It is the only documented 409 Biscayne Fleetmaster known and was ordered new by drag racer Allen May at Capitol Chevrolet in Salem, Oregon.
Lot #1312 is one of only 248 1962 Porsche 356B Roadsters that received coachwork by D’Leteren Freres. Finished in black over a tan interior, it is powered by a matching-numbers flat 4-cylinder engine with 4-speed manual transmission. For more information contact [email protected]
MIAMI, FLA – Diamond NFTs are forever, and Addison Taylor Fine Jewelry have several Diamonds with their NFT digital images with the amazing 18 Million Dollar Trinity Collection.
The entire Trinity Collection of unique diamond jewelry pieces will be auctioned by ViciNFT and also bidding online. Plus two additional diamond NFTs.
The Trinity Collection
The Trinity Collection symbolizes the Ceremony of Peace. This collection features the Rare Chameleon Diamond Necklace, the Exquisite Fancy Diamond Ring, and the Elegant Heart Shaped Diamond.
1. Rare Chameleon Diamond and Necklace
The Trinity Collection Chameleon Diamond and Necklace is a one-of-a-kind masterpiece. The Chameleon Diamond, one of the rarest diamonds in the world, is a G.I.A. certified natural 8.50 carat Pear-Modified Brilliant cut VVS1 diamond. The Chameleon is the focal point of this masterpiece.
The necklace features fifty-nine G.I.A certified natural fancy-colored diamonds, a total weight of 30.99 carats, and is accented with one thousand and seventy-one ideal round brilliant cut diamonds, a total weight of 5.58 carats, and is further accented by seventy vivid yellow ideal cut round brilliant diamonds, a total weight of 0.33 carats. The necklace, designed by Scott Berger, was hand fabricated in 18k white gold. This masterpiece, which took three and a half years to complete, contains a combined diamond weight of 45.40 carats, and can never be recreated.
2. Exquisite Fancy Diamond Ring
The Trinity Collection Ring features a 15.36 carat G.I.A. certified Cushion Modified Brilliant Cut Natural Fancy Light Gray-Greenish Yellow VVS2 Diamond. This is a one-of-a-kind diamond ring. The ring, handmade by a master jeweler in platinum and 22k green gold, features two half-moon cut diamonds on each side that are D in color, VS1 in clarity, a total weight of 1.24 carats.
This ring is accented with fourteen ideal cut round brilliant diamonds that are E in color, VS1 in clarity, a total weight of 0.92 carats. The overall diamond weight is 17.52 carats. This masterpiece, inspired by the Art Deco Era, took seven months to complete.
3. Elegant Heart Shaped Diamond
The Trinity Collection Heart Shape Diamond is a G.I.A. certified 40.02 carat Heart Modified Brilliant Cut Natural Fancy Deep Brownish Yellow VS1 Diamond. This perfectly cut, one-of-a-kind diamond, can be a stand-alone jewel, or the centerpiece of a tiara, necklace, or any other masterpiece.
The NFT of the Trinity collection incorporates the certificate of authenticity and presents indisputable proof of ownership. The NFT changes hands together with the jewelry, and thus helps maintain an unbroken record of the Trinity collection provenance.
Diamond Dolphin Pendant and its Authentication NFT
The Pave’ Diamond Dolphin Pendant features (578) white and (3) black round brilliant cut diamonds, a total weight of 5.64 carats. The buyer receives the Dolphin Diamond Pendant and the NFT that authenticates its provenance. According to the standards of the “Dolphin Leadership,” this handcrafted, custom designed Dolphin piece was approved per their scale after spending one and a half years of research in concert with the leading Veterinarians of Sea World, and in Hawaii, to ensure this piece was anatomically correct. This dolphin diamond pendant is a one-of-a kind.
Fancy Yellow Diamond Ring and its Authentication NFT
The ring, exclusively designed for NFT BZL in Miami, consists of a fancy yellow G.I.A. certified 11.91 carat radiant cut diamond. The buyer receives the Fancy Yellow Diamond ring and the NFT that authenticates its provenance.
Supplemental
The rise of digital NFT diamonds is justified: Rapper Lil Pump and his limited NFT necklace.
If you don’t have any available savings, your home equity can provide an immediate source of funds.
Even the most responsible homeowners can find themselves faced with an unexpected home emergency repair or maintenance issue without the cash on hand to deal with it. If this is you, you are not alone. There are solutions available that can help you tap into your home equity to fund those projects without having to take out an expensive loan with the bank.
Consider a Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit enables homeowners to access up to 85% of the value of their home for what they need. If you have owned your home for a number of years, then you have built up equity that can be used as collateral.
A Home Equity Line of Credit is designed specifically to help homeowners cover these unexpected costs without worrying about their level of savings or credit score. Taking out a HELOC is a fast and convenient borrowing option because you can access the funds you need, pay it off and borrow again if needed.
To calculate your home equity, simply follow this equation:
The value of your property – the balance remaining on your mortgage = your home equity
In many cases, you will pay less to borrow against your home equity than if you were to get an unsecured loan or line of credit. When you choose to work with a mortgage broker instead of the bank, you can get access to more lending options and at a lower interest rate.
Take Out a Second Mortgage
Many homeowners are aware of HELOCs but haven’t considered that second mortgages are also an available option. Essentially, a second mortgage functions as an additional mortgage loan. Both mortgages will need to eventually be paid off but because they normally come with much lower interest rates than unsecured loans, they can be an appealing option to borrow much needed funds.
With the value of Ontario homes increasing due to the booming real estate market, many homeowners are using this opportunity to access the value of their home.
You can use your second mortgage for anything as long as you continue to make your repayments. So, if you have a home maintenance or renovation project in mind, then it’s a good idea to consider a second mortgage now instead of waiting until it becomes an emergency situation.
Work with a Trusted Mortgage Broker
A mortgage broker acts as the intermediary between the financial institution offering the loan and the individual seeking the loan to buy real estate. The mortgage broker works with both parties to ensure the loan gets approved. The main benefit of working with an experienced mortgage broker is that he or she can work with a wide variety of lenders to find the best terms and rates.
For those who are self-employed or don’t have stellar credit, working with a mortgage broker is advantageous because they are experienced at working with complex situations. This is especially critical for anyone who requires fast funding and has been turned down for a loan by the bank.
A mortgage broker like Burke Financial specializes in handing challenging applications and works with people who have varying needs and circumstances.
Regardless of whatever life problem you are facing, a mortgage broker can help you explore your options and find a solution to your problem so you can get back to other life tasks. For the Silo by our friends at Burke Financial.
Plastic Surgery and more on the rise due to social media Narcissism?
Thanks to the myriad of photos now being posted online, more people than ever are undergoing cosmetic procedures, according to a survey of plastic surgeons from only a few years ago. Almost a decade ago, requests for surgery as a result of social media photo sharing rose 31 percent in 2012, reported the American Academy of Facial Plastic and Reconstructive Surgery and continue to rise up to the present day.
“People especially want to look their best when hundreds, or even thousands, of viewers are looking at their photos – we hear it, too,” say Drs. Rick and Arlene Noodleman, the husband-and-wife physician team at Silicon Valley’s Age Defy Dermatology and Wellness.
“The good news is that there are now effective, minimally-invasive, low downtime approaches that reduce or even eliminate the appearance of sun-damaged, aging skin,” dermatologist Dr. Rick Noodleman says.
Both physicians emphasize that the key to youthful skin is both correction and prevention – and no, it’s never too late to start addressing the latter.
“Achieving beautiful, healthy skin is a process, not an event. It’s accomplished by working from the outside-in and the inside-out,” says preventive medicine specialist Dr. Arlene Noodleman. “The link between nutrition and the quality of your skin is also ‘written all over your face’.”
The Noodlemans use Madonna as an example of the triumphs of skin moisturizing.
To ensure Facebook, Instagram and Google+ users look their best online, the Noodlemans offer this advice, based on more than 25 years of research and clinical experience: Work from the outside-in: “There are a number of corrective and preventive steps you can take to achieve a more youthful look,” says Dr. Rick Noodleman.
• For all skin types:
Protect your face from the sun. Use a sunscreen that protects against both UVA and UVB light, and wear a wide-brimmed hat.
• For older skin:
Exfoliant creams remove dead skin cells that don’t slough off as readily as when we were young. Prescription creams such as Avita, Avage, Renova and Retin-A have been shown to reduce wrinkles and “liver spots” due to sun exposure.
• For forehead wrinkles:
Injected Botox, a brand of botulinum toxin, partially immobilizes the muscles that form expression lines so the skin smoothes out, although some deep expression lines may not go away.
• For sun damage and acne scars:
Lasers can resurface facial skin by stripping away the outermost layers. Some “non-ablative”lasers also stimulate collagen formation, which helps smooth wrinkles.
And from the inside-out: “No matter what your skin type, healthy eating is an essential component of a good skin care regimen,” Dr. Arlene Noodleman says. “And, for some people, eating the wrong foods can actually cause problems.”
• A natural defense system:
Foods rich in antioxidants seem to have a protective effect on the skin. For instance, a study from back in 2007 by the American Society for Clinical Nutrition found that women ages 40 to 75 who consumed more vitamin C, an antioxidant, had fewer wrinkles. Antioxidant-rich foods include carrots and other yellow and orange fruits and vegetables; spinach and other green leafy vegetables; tomatoes; blueberries; peas and beans; fatty fish, and nuts. The study also found that women who consumed more linoleic acid—found in nuts and seeds—had a lower incidence of dry skin. Consider switching to a more Mediterranean-style diet
• Curbing acne flare-ups:
Acne-prone individuals should avoid dairy products, especially cow’s milk; processed foods high in white flour, such as white bread; and white rice and sugary foods and beverages such as candy bars and soda. Foods that cause ‘spikes’ in blood sugar levels can also trigger hormone production, which in turn can boost oil production.
• Psoriasis, rashes and other skin conditions:
Certain foods can cause hives and other reactions. Individual sensitivities vary, but common culprits are gluten, dairy, eggs and additives. People with psoriasis may see improvement by eating a low-glycemic load.
“Take a holistic approach to your skin’s health,” the Noodlemans say. “Your skin responds not only to what you put in and on your body, it also reflects your overall mental and physical health. Taking corrective and preventive measures that reduce sun-damage,increase exercise, promote healthy eating and decrease stress will help you look your best on social media.”
About Dr. Rick and Arlene Noodleman
Dr. Rick Noodleman, a board-certified, Stanford-trained dermatologist, is an expert in the medical and surgical management of skin disease, aging skin, and advanced cosmetic techniques. Dr. Arlene Noodleman, board-certified in preventive medicine and fellowship-trained in integrative medicine, is a healthy aging expert who focuses on the whole person and strategies that facilitate the body’s innate healing. Together, Drs. Noodleman created the Revercelcosmeceutical and neutraceutical product line. For the Silo, Ginny Grimsley
This handcrafted, pure coconut oil is sure to pack a delicious punch with any drink or cooking need. Kimera’s Koconut Oil is extra virgin and cold pressed, giving you the finest, most high quality oil on the market. The oil is non-GMO and unrefined for the best flavor and potency money can buy.
