But, it become a highly valuable tool for helping farmers secure much-needed credit from banks.
making access to essential credit easier for farmers. e not just selling insurance, says Goslinga,
Layoffs, difficulties obtaining credit, and a desert of customers during the recession are still fresh on many minds.
In 2009, only 19 percent of students graduated with credits in computer science, down from 25 percent in 1990, according to a report from the U s. Department of education.
#Bloomberg the Company Daniela Perdomo credits the absence of basic communication services after superstorm Sandy for inspiring Gotenna Inc. a do-it-yourself wireless network that can carry text
The U s. is already the largest lender to Chile having approved nearly $900 million of loan guarantees for six renewable energy generation projects in Chile in just over a year.
The leadership of individual states to utilize their financing authorities to improve access to credit
and predictability to investors by ensuring reliable access to efficiently priced and long-term sources of credit to finance publically beneficial, clean energy infrastructure.
CEFIA featured an initial capitalization of $48 million to provide broad credit support to Connecticut clean energy projects and companies.
and other credit supports, as well as educational programs for businesses and homeowners. These programs include lending for residential solar electricity and hot-water systems,
green banks can employ improved mechanisms to flexibly facilitate the aggregation, credit enhancement, andsecuritization of renewable energy and energy-efficiency projects.
By providing well-structured credit enhancements, a green bank can align public investments in a more targeted way to fill gaps in the capital market in order to leverage far greater volumes of private capital into needed projects.
State green banks should employ a range of credit-enhancement mechanisms from establishing loan-loss reserve funds to originating subordinated debt into individual transactions and developing new insurance products or other risk-mitigation strategies.
or new revenue from environmental initiatives into establishing durable credit facilities, which will induce vastly more private capital for vitally beneficial public projects.
##Platelets are smarter than we give them credit for in that they are able to sense the physical characteristics of their environment
Credit: andriux-uk/Flickr) ecause hearing aids rely on batteries, minimizing power consumption is a critical consideration in moving hearing-aid device technology forward,
Hall credits the pioneering work of Ronald Miles at Binghamton University and Ronald Hoy at Cornell University,
Credit: istockphoto) University of Southampton Nurse staffing, education tied to hospital death rate ith this technology,
Credit: NASA ESA and G. Bacon (STSCL) via U. Chicago) The researchers describe their work as an important milestone on the road to identifying potentially habitable Earthlike planets beyond our Solar system.
Skuse credits Youngâ#previous research that found mice with a mutated oxytocin receptor failed to recognize mice they previously encountered. his led us to pursue more information about facial recognition and the implications for disorders in
Students as Helpers Schools offer community service credit, encouraging work with dementia patients, whom students call grandmas and grandpas.
resident students are earning 12 percent of their credit hours online this semester, a figure expected to grow to 25 percent in five years.
to simply touch their specially updated credit and debit cards to complete the transaction. Although just a million or so such p (a) in-free transactions have been made in the last twelve months,
and pay account from a connected credit or debit account by up to £100, to a total of £150.
and the District of columbia##lets households with renewable energy earn bill credits for surplus power delivered to the grid.
because customers with net metering bill credits don t pay their fair share of transmission and distribution charges.
and means better access to cheaper credit than otherwise available on the open market.####Uber started out as an on-demand service for black town cars
homeowners receive a credit for the solar electricity they send to the grid that is used to pay for the power they use
In Arizona, that credit is calculated at retail rates and APS argued that penalized homeowners who don t go solar as the utility will be forced to raise their rates to pay for the transmission system
What if you could carry a single credit card device in your wallet that would digitally store up to eight credit, debit, membership,
which is about the normal expiration date for credit/debit cards anyway. There are tons of questions to still be answered about Coin,
who already have a somewhat similar venture, Organovo, to their credit. This June#Businessweek#did a fairly comprehensive story on the company.
Disintermediation of Consumer credit For starters, we have to look no further for evidence of the inefficiency of our banking system than during our most recent recession.
Furthermore, investors looking for options in a down economy wanted stability, transparency, shorter duration and less credit risk,
earn real trust with consumers and lenders, and achieve growth while avoiding sub-prime borrowers.
and plays into the theme of disintermediation we ve been seeing over the last five years is that it has looked to differentiate itself from traditional lenders
Most other lenders aren t. They have to borrow money either by going after warehouse lines of credit
or they loan out equity capital. Lending Club and Prosper, however, connect buyers and sellers through peer-to-peer lending marketplaces.#
it doesn t have the same balance sheet risk as other traditional lenders might have. Mobile and the Disintermediation of Bill Pay, Processing & More Of course, the opportunities for disruption at the hands of disintermediation extend beyond lending.
and allows students to receive credit for as many competencies and courses as they can master each term.
According to THECB website, students arriving ith no prior college credits should be able to complete the degree program in three years at a total cost of $13, 000 to $15, 000.
while those entering with 0 credit hours and no credentialcan complete the degree n one year for $4,
-and-trade scheme this amount of CO2 equates to 8-14 million British pounds ($13-23 million) per year in carbon credits the researchers estimated.
Image credit: Tom Deerinck, NCMIR, UC San diego. In the new Molecular Psychiatry paper, conducted with collaborators across the country and world,
Image credit: Hari Prasad and Rajini Rao. Based on their autism research, the team suspected that the boost NHE9 gave to glioblastomas was explained by abnormal endosome acidity.
Pressing the device big black button creates a vacuum that sucks the blood into a maze of tiny channels within its disposable credit cardized cartridge.
In launching Keystone, Smith gives some credit to MIT Venture Mentoring Service (VMS), which advised the startup cofounders on everything from early company formation to scaling up the business.
and test winches and cables Looking back Glass credits his undergraduate years on MIT s Solar Electrical Vehicle Team a student organization that builds and races solar
Ball specifically credits former technology transfer specialist Lisa Shaler-Clark as instrumental in taking the APA rom the lab bench to the field.
The platform will also provide interest-free credit loans to artisans in order to ease barrier of entry,
El-Naggar credits Sahand Pirbadian USC graduate student with devising an ingenious yet simple strategy to make the discovery.
Venkataraman credits organic materials chemist Gehan with postdoctoral fellow and device physicist Monojit Bag with making crucial observations and using persistent detective work to get past various roadblocks in the experiments.
or emboss the raised numerals on credit cardsould process nanoparticles more subtly than the most advanced chemistry.
which now bisects the room It takes one hand and almost no effort--a feat that's to his credit not mine.
For lenders interested in making sure loan repayments happen on schedule moving collateral can present an investment risk.
Now The New york times reports that some lenders are protecting their investments by making sure the cars are never really out of their control.
Thanks to GPS phone apps and ignition locking devices lenders can remotely shut down the car of someone who's behind on payments.
These devices mean lenders always know where the car is and can alert the owners
In turn lenders are installing fake devices to outwit hacking attempts. From the story: These devices are distinct from previous attempts in car hacking not in function but in initiation.
With lenders installing ignition-locking devices as a loan condition the cars are sold instead effectively pre-hacked d
Image credit: 4bpblogspot. co n
#Jerry the Bear: A robotic learning coach for kids with type 1 diabetes Less than three campaign days left!
and technical staff â##they all deserve as much credit. The Distributed Flight Array is currently being used at the Institute for Dynamic Systems and Control at ETH Zurich as a modular robotics platform for investigating algorithms in distributed estimation and control.
Raffaello Dndrea Maximilian Kriegleder Igor Thommen and Marc A. Corzilliusphoto credit: Raymond Oungnote: This post is part of our Swiss Robots Series.
The Engineering Professional Education program provides non-credit online courses designed for"lifelong learners, "led by instructors who come from the field."
"Rasmussen credits PPPL with providing help and support during critical points in her project.""It was and continues to be a wonderful resource not just because of the plasma physics but the people,
#Assuring solar modules will last for decades The Energy department's National Renewable energy Laboratory (NREL) is co-leading an international push to assure the reliability of solar panelsn assurance demanded by customers, manufacturers, lenders, and utilities.
System-level inspectionsssential for lenders and insurers Assuring solar modules will last for decades Work by Namaste Solar installing PV modules on the roof of the parking structure on NREL's South Table
Lenders and insurers want that kind of certification to know how to set rates or to determine
Zhuang credits a talented interdisciplinary team graduate student Kok Hao Chen and postdoctoral researchers Alistair Boettiger, Jeffrey Moffitt,
the state margin lender tasked with buying stocks and propping up prices. The margin-lender is part of a"national team"of Chinese financial institutions assembled by Beijing to prop up prices.
The team was formed last month, after a long and stunning rally in Chinese markets ended in panic selling.
"said one investment banker with a foreign lender.""Big IPOS demand may not get hit as much, but valuations certainly will."
and the document credits former Primesense employees as its creator t
#Square Brings Accountability To Email Marketing Square is in the process of building up a series of products and services that use its payments platform as a foundation.
Credit: Rohit Bhargava, University of Illinois Using a combination of advanced microscope imaging and computer analysis,
In the late 1990s, the government created renewable energy credits (RECS) as a way to separate renewable from nonrenewable energy.
or micro credits it calls Sunjoules. Partnering with Rechoice and using Sunjoules is unique to Sunport,
That way, each Sunjoule micro credit upgrades a little bit of power today, helps add a little more new solar production to the grid
and aids in powering worthy nonprofits for years to come. he use of micro credits through a Sunport,
then syncs your account up with micro credits to upgrade your grid energy use to solar, based on the well established and regulated SREC market.
Credit: American Chemical Societythe research, reported by the American Chemical Society, was carried out by Kyeongwoon Chung and Dr Jinsang Kim from the University of Michigan.
Credit: NASA/JPL/University of Arizona) ur quest on Mars has been to ollow the water, in our search for life in the universe,
It allows British travellers to register up to five UK credit or debit cards which they then use to make payments while abroad electronically,
and is offering two years of free credit monitoring and identity theft protection. Premera is the second health insurance provider to announce a major breach this year.
Meanwhile, customer incentives are split up into energy efficiency programs, self-generation incentive program credits, energy storage mandates, demand response payments,
Image Credit: Contains Copernicus data (2015)/ ESA/DLR Microwaves and Radar Institute/GFZ/e-GEOS/INGVSA SEOM INSARAP study) Moving up Nepal Insar By analyzing the satellite images,
Image Credit: ESA SEOM Insarap Study Norut/PPO. labs/Univ Leeds) Mountains shift Nepal Insar The German Aerospace Center (DLR) used the satellite radar data
Image credit: DLR/EOC) Rainbow fringes Interferogram of Kathmandu, Nepal, before and after the earthquake.
Image Credit: Contains Copernicus data (2015)/ R. Grandin/IPGP/CNRS) Near the Tibetan Plateau Combining two Sentinel-1a radar scans from 17 and 29 april 2015,
Image Credit: Contains Copernicus data (2015)/ ESA/Norut/PPO. labs/COMETSA SEOM INSARAP study) Grading map Based on imagery from the Worldview-3 satellite acquired on April 28,
Image Credit: NASA Earth Observatory) Emitted light Kathmandu Satellite Image-Emitted Light This satellite image shows the city of Kathmandu and its surrounding areas after the April 25 earthquake.
Image Credit: Short-term Prediction Research and Transition (SPORT) team/Marshall Space flight Center) Nepal districts affected Satellite Photo of Nepal Districts After Earthquake This satellite image shows 11 districts in Nepal
Image Credit: Short-term Prediction Research and Transition (SPORT) team/Marshall Space flight Center F
#Major 7. 3-Magnitude Earthquake Aftershock Hits Nepal A 7. 3-magnitude earthquake struck Nepal this morning (May 12), toppling buildings and killing at least a dozen people.
Credit: Institute for Basic Science To truly understand the significance of the team findings, it instrumental to understand the nature of two-dimensional (2-D) materials,
Both Sheng and Kelly credit Elliot Pohlmann, a fourth-year Virginia Tech School of medicine student and the paper first author, for sparking the collaboration between their laboratories on this particular project. e realized that glioblastoma
Shultz credits her most recent breakthrough to simple geometry and trigonometry. The most common type of ice
Peter Dizikes MITIMAGE Credit: The image is credited to Christine Daniloff/MITORIGINAL Research: Abstract for arge-scale evidence of dependency length minimization in 37 languagesby Richard Futrell, Kyle Mahowald,
Stéfan Catheline INSERMIMAGE Credit: The image is credited to Inserm/Stéfan Cathelineoriginal Research: Abstract for rain palpation from physiological vibrations using MRIBY Ali Zorgani, Rémi Souchon, Au-Hoang Dinh, Jean-Yves Chapelon, Jean-Michel Ménager, Samir
The accompanying app upgrades your usage to solar using Solar Renewable energy Credits (S-RECS). In effect,
CMI director Alex King credits close collaboration with industry as key to making technology transfer happen'well ahead of traditional time frames'.
"Rasmussen credits PPPL with providing help and support during critical points in her project.""It was and continues to be a wonderful resource not just because of the plasma physics but the people,
Perhaps ants are brainier than we've given them credit for, the researchers say. After all, their incredible talent for olfactory discrimination depends not only on sensitively attuned neurons
Image credit: Neil Palmer/CIAT via Wikimedia Commons Aerial view of the Amazon Rainforest, near Manaus.
Image credit: Neil Palmer/CIAT via Wikimedia Commons These developments are hugely important. The Amazon, most of which is in Brazil,
Image credit: Dr. Yi Yao SPADE analysis showing the multiple subsets of immune and nonimmune cells that Cytof technology can detect from a single sample.
Image credit: Dr. Yi Yao Peering deeper into cell data Prior to the advent of Cytof in 2009, scientists collected data about cell characteristics with an older technology known as flow cytometry.
For that, he credits the many different disciplines NRL brings together. e have a lot of smart people,
He also credits a close relationship with industry and with those NRL serves. e talk to the warfare centers,
Image credit: EMSCTHE worst damage reported so far occurred in the Nepalese capital Kathmandu, where many buildings collapsed
Image credit: Keiichi Nakagawa/University of Tokyospeed of the camera is hard to grasp. But, in comparison, it is more than one thousand times faster than conventional high-speed cameras.
Image credit: Keiichi Nakagawa/University of Tokyoin the first attempts to capture an ultra-fast images frames per shot were limited to six.
he said. andy Hill deserves special credit for his creative design solutions for the precision flexures,
Image credit: Samuel Smith, UC Berkeleythe advance, was reported on Monday, Aug 3, in the Proceedings of the National Academy of Sciences, will lead to computers that turn on in an instant,
Image credit: Xiao-Min Lin et al, taken at Argonne Electron microscopy Center. To their surprise, when the scientists put the membrane into the beam of a scanning electron microscope,
Image credit: Arnold Research Group and Guisinger Research Group, news. wisc. eduscientists at University of Wisconsin-Madison have discovered now a method to grow these ultra-narrow strips, called nanoribbons, with desirable semiconducting
Image credit: Alexanderalus via Wikimedia, CC BY-SA 3. 0in this process scientists start with methane,
Image credit: Wyss Institute at Harvard Universitythe 62 edits were executed by the team to inactivate native retroviruses found in the pig genome that have inhibited so far pig organs from being suitable for transplant in human patients.
Image credit: Eana Park/Stony Brook Universityboth cardiac cells in the heart and neurons in the brain communicate by electrical signals,
To give Google credit where credit is did due, they at least manage to mock the megalomaniacal nature of their own announcement,
Image credit: Apple Insider Related:''Cliff'bill winners: wind, rum, electric scooters and more Can this polystyrene pedal-powered plane break world records?
image credit: Google maps, David Worthington) Related on Smartplanet: What the NRC really knew about Fukushima Fukushima ocean radiation could pose sleeper threat Nuclear meltdowns nearly made northern Japan uninhabitable do need we to worry about radiation in our milk?
I get a giant bear hug and the credit for getting them there, and other educational tools are sidelined.
#Apple Pay Now Supports Cards That Make up 90%Of U s. Credit Purchases Apple Pay is gaining steam just months after launch with the company revealing to the NYT that it now supports cards from providers that make up 90 percent of the credit card
Waiting In The Wings Beyond Ondeck a slew of online credit businesses are waiting in the wings with aspirations to take their own bow on the IPO stage
and small businesses get access to credit, says Funding Circle cofounder Sam Hodges. t one step in what will be a multiple step shift in companies like ours coming to scale
which had actually been the first peer-to-peer lender to launch in the U s. market. The two companies have approached always peer-to-peer lending somewhat differently.
Lending Club curated its borrowers and lenders from the outset while Prosper had a much more freewheeling,
there risk and a multiple that lenders make based on the risks they take, whereas advisory services or transaction services are taking a percentage on the service they provide
One of these new competitors just raised $16 million to let brands become the lenders of the future,
The San francisco-based lender will provide software that allows brands to offer small loans to their consumers,
#Data From Alibaba E-commerce Sites Is Now Powering A Credit-Scoring Service Alibaba Group affiliate Ant Financial services has unveiled a new credit-scoring system that uses data from the e-commerce giant sites to gauge userscreditworthiness.
Dubbed Sesame Credit the new service is an example of how Alibaba reach in China goes far beyond online shopping.
Sesame Credit scoring system which is currently in beta looks at data gleaned from the 300 million registered shoppers
Sesame Credit then applies customer behavior analytics to figure out whether or not an applicant is eligible for a loan.
Sesame Credit users can check their scores which range from 350 to 950 points through Alipay Wallet a mobile wallet app
or shopping sites that accept Sesame Credit scores. The idea of using shopping transactions to measure creditworthiness may be off-putting to some consumers after all it like having your FICO score determined by your ebay feedback or Amazon rating.
But Ant Financial says that Sesame Credit can give more consumers in China access to financial resources like home loans
even if they don have a credit history. In a press statement Sesame Credit chief data scientist Yu Wujie said the service is targeted toward users who ay have obtained never bank loans
or applied for credit cards. However they might be active Internet users who shop online a lot e-pay their utility bills on time have a stable residential status
and other factors into consideration when assessing consumerscreditworthiness. esame Credit says it will protect user privacy by collecting an individual data only after they sign up for the service.
The credit-scoring system is an example of how the user data collected by Alibaba Group e-commerce business can be used to power other verticals.
and the Sony Playstation Network last month have claimed credit for an attack on Malaysia Airlineswebsite.
He credits Pierucci for helping him hatch the idea for connected luggage. The two brought in three other founders to the team to help with the logistics it would take to combine both hardware and software.
Peer-to-peer lenders Lending Club and Prosper set the stage for the lending marketplace boom, but the latest generation of lending tech is all about verticals.
and RRE Ventures. he reason these alternative lending platforms are coming up is that platform lending is simply more efficient for both the borrower and the lender,
or from banks tightening up their lending process and lenders have the ability to do their diligence,
#Paypal Credit Expansion Now Lets Merchants Set Terms Including Option For Interest-Free Payments Last July, Paypal rebranded its Bill
Me Later service as aypal Credit, as a part of the company efforts to bring its credit products ore to the center of Paypal.
Today, as promised earlier, Paypal Credit is expanding its support for monthly payments with an option for retailers that allows them to decide on the number of months and interest rates that work best for their customers.
Retailers will also be able to choose to interest-free credit options for the first time for their customers shopping online.
The announcement is being made at the National Retail Federation conference on Monday, where Paypal also announced a newly added Business Consulting service.
With the upgraded Paypal Credit feature, customers will be able to divide larger purchases into smaller ones allowing online shoppers to pay via Paypal
The Paypal Credit offering that had been offered previously was if a customer spent $99, they would have had no interest and no payments for six months.
but this change allows for them to offer more flexible credit to their customers. The company said in July that it sees consumer spending go up 30%after a customer adopts a Paypal credit vehicle,
citing studies that have tracked usage of the older Bill Me Later service as well as the GE-issued Paypal credit card.
and expand its credit offerings something the company notes is key as it expands into the offline world,
The company later plans to expand Paypal Credit more directly to retail and point-of-sale but that for a future date.
For now, it about bringing more online consumers to Paypal Credit. With the new offering, merchants are paid immediately
The goal of the pilot program is to make credit more available to small businesses which are often at a disadvantage
To its credit, Lexus has the best-looking Hoverboard Ie seen, provided it does actually work, with nice bamboo surfaces and even a Lexus grille.
Unlike a some random retailer, Uber credits are sure to be useful to me, so I happily bid $20 for a $25 gift card
and others have alerted consumers that credit and debit cards aren very secure. Such lapses expose them to identity theft
Credit: Johns hopkins university) e needed this personal pill afeto have tamper resistance, personal identification capabilities, and a locking mechanism that allows only a pharmacist to load the device with pills,
Ha said a real problem that will hinder papaya farmers in their recovery is most don have credit.
Image Credit: via#@Reinvest201 v
#Evercharge Delivers EV Charging Solutions For Apartment Dwellers It no secret that in America and across the world,
so they can claim credit. Climate advocates, whose main challenge is speed of action, don need to change their approach.
restaurant or artisan food maker and get a debit card stocked with dible credits, while helping their favorite business get the money it needs to grow.
and credit providers to disclose the risks they face. The french government will publish a report on climate change risks by December 31
2016, placing it alongside other risks such as credit risk, counterpart risk and excessive leverage. Listed companies will also be required to report on the risks of climate change to their business
The insurer said it would also set up a information website and offer a credit-monitoring service.
giving credit to the investigators who collected the clinical trial data, protecting the intellectual property interests of sponsors,
Image credit: Max Hamedi and Wallenberg Wood Science Center Via IFLSCIENC g
#Scientists create riction-freematerial US Department of energy Scientists at the Argonne National Laboratory have found a way to use diamonds
Greek officials and creditors to the nation have drawn lines in their positions, diminishing hopes for a settlement that would avoid a default on billions of euros that the Mediterranean nation owes following a financial bailout a few years ago.
Instead, he put the blame on creditors whom he said were responsible for the breakdown in talks
if any deal is to be reached extending credit terms. The present terms have proven to be the single biggest roadblock to unlocking additional aid.'
Germany, along with other creditor nations, have demanded that the Greek government get past itself and offer sensible proposals to end the standoff."
as soon as possible but was currently on the lookout for any signal from lenders that that might lead to a breakthrough."
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