the Popular 12-month euribor rate has turned again to decline.Several financial industry experts have in recent times during the urging homeowners to prepare for rising interest rates.Preparedness is always good, but still of rising interest rates is not the characters but the mortgage reference interest rate used as euribor rates have remained at record low levels.the Popular 12-month euribor was quoted in march, a slight upward trend, but now it has turned to the decline again.Today, Tuesday, the interest rate fell for the fifth day in a row, and was quoted -0,119%.Still in the beginning of the 12-month euribor was quoted -0,082%.
HGST's drives have long stood out as the most reliable, and that trend continues.Their failure rate is remarkably low; even after three years in service, the 3TB and 4TB units have annualized failure rates of just 0.81 percent and 1.03 percent, respectively.2TB units, which last quarter were already on average more than 5 years old, have seen a small increase in failure rate—1.57 percent, compared to 1.15 percent a year ago—but still show extraordinary reliability considering their age.EnlargeBackblazeThe company continues to substantially stick with Seagate 4TB units, in spite of somewhat worse failure rates, due to a combination of better pricing and availability.This availability concern also pushes the company towards 4TB units over 6 or 8TB ones; although the pricing of those is starting to make them cost-effective, their bulk availability is still limited.While the company uses a mixture of different disks, within each of its Vaults systems of 20 individual Storage Pods, with older storage pods holding 45 drives and the latest ones increasing that to 60 it standardizes on a particular type, so Backblaze needs to be able to buy 1,200 disks at once to be able to deploy disks at any kind of a reasonable scale.
Kathy RainClifftop Games3.5/5 starsNostalgia s a funny thing, and armed with the right tools, those infected by its bug for decades on end can turn out some amazing results.Case in point: this new breed of indie adventure games, heavily inspired by the Sierra and LucasArts point-and-click games of yesteryear, when Monkey Island, King s Quest and others dominated our boxy old PC monitors.The biggest inspiration here is David Lynch s cult TV show Twin Peaks: that reveals itself most obviously in the standard set of almost all two-dimensional characters – the forced detective, the gruff sheriff, the mysterious priest – but goes even deeper as things take a turn for the supernatural as the story progresses.And there s where Kathy Rain particularly separates itself from its forefathers: here s a tale where things actually happen, where characters grow and the story evolves.It s a more involving journey than Indiana Jones search for some random artefact or Guybrush Threepwood s endless rescuing of the governess, but it s still not without its flaws.Nostalgia for the 90s is strong these days, and Kathy Rain channels that trend to the best of its possible abilities – almost too well at times, in fact.
Yesterday Runa Capital, a venture investment firm operating globally from its offices in Moscow, London and San Francisco, announced that it has closed its second fund, Runa Capital Fund II, having raised $135 million.As a result, Runa has $270 million under management, taking into account its first fund, which also amounted to $135 million.The firm declined to disclose any information about the new fund s backers.Focusing on Series A and B investments in the USA and Europe, Runa Capital Fund II targets companies with high ambitions on the global market, essentially in the fields of complex enterprise software and cloud applications, education, public services, finance and health.The new fund logically follows our development over the past years,  said Dmitry Chikhachev, Managing Partner at Runa Capital.We will support those who aim to gain significant shares on highly competitive markets.Runa Capital Fund II — which began operating two years ago — has already made 13 investments, coming in addition to the first fund s 30 portfolio companies.Launched in 2010 by Sergei Beloussov, Ilya Zybarev and Dmitry Chikhachev, Runa Capital I initially focused on Russia.The fund progressively expanded its scope to investing globally, following a strong invest-abroad trend among Russian venture capitalists.Over the past few years Runa — which Dow Jones Venture Source ranked among the top three European funds in 2015 — has invested significantly in Californian and Western European startups.Most recently, Runa led a $5.6 million round for SchoolMint, a leading provider of mobile and online enrollment systems for US public, charter and private schools.
Games studio making an operating loss of SEK 4 million, according to new quarterly report. On Wednesday released the Swedish gaming company Starbreeze quarterly report for the first quarter in 2016. It shows the same downward trend as the previous report. After tax, the company made a loss of SEK 14 million during the first quarter in 2016. It is a heavy blow for the game studio that made a profit of SEK 23 million during its last fiscal year that ran from July 2015 to December 2015. Among other VR StarVR spectacles, which now more has a partnership with computer giant Acer on.
Big data-as-a-Service, or BDaaS, is a way of accessing analytics tools or information from an outside provider.This can help organisations to gain insights into the meaning of data so that they can gain competitive advantage by improving customer relationships and business decision making.BDaaS is designed to help businesses to free up resources by taking advantage of tools that are being provided by an outside organisation.Like SaaS, BDaaS is a form of managed service that often relies upon cloud storage in order to provide data access to both the outside analytics company and the company that owns the information.The area has gained increased interest over the past couple of years as companies have looked to leverage their data in a way that doesn't create costly overheads and rely upon a complex installation and integration process.Simply put, BDaaS is an ideal way to remove the tech complexity from doing data analytics, leaving the business to focus on simply using the data insights to improve its performance.
Prepare to get hot, bothered and... hungry.We happily present to you: Hot Dudes And Hummus, a delicious Instagram account that follows the footsteps of feeds like Hot Dudes Reading, Hot Dudes With Kittens and Hot Dudes In Bed.The account features smokin hot guys eating hummus in restaurants, outdoors, on top of cars and best of all in bathing suits.Male Hummus eaters can submit their photos via email or DM in order to be featured on the account, which calls itself Israel s yummiest tag.No doubt about that.Keep scrolling to see a few pictures of the sexy trend you didn t know you needed.
New concepts should also be adaptable to different needs over the years. For larger two-room apartment in the triangle and the bathrooms and kitchens are the same size, more space in the kitchen can fall as necessary to acquire movable islets. YIT is not alone in riding the urban life style and living closer to adore a trend. The solution to the needs of modern living Hedman flashes stronger construction and flexible concepts. It means, among other things, adaptability in that the resident is able to self-edit the original, and over time the properties. " The problem is not a universal solution, but the concepts have to be flexible.
There is a new trend emerging in the VC community, that s been a long time coming.Or in some cases, they re using a hybrid model that mixes a little of each concept.At 10x Management, we believe it s crucial that all segments of the private and public sectors adapt to take advantage of these market force changes in order to remain competitive.However, these platforms don t really help companies find the right talent, they just give them broad access to freelancers that they themselves must vet.This has forced the hands of many VCs to embrace option two.Many of these freelancers are trained and versed in building and documenting products for smooth hand-offs.
HTC has made some of the most stunning-looking phones on the market in recent years and the trend continues with the HTC 10.As with any brand new handset, initial prices can be steep if you don't know where to look.Most of these deals include the silver, grey and gold models of the HTC 10.Don't forget to sign up to O2 Priority for lots of freebies and discounts.Using the voucher code EEHTC10, you can get the phone for £5.99 instead of paying £54.99 upfront, and then it's £35.99 per month for unlimited calls and texts and 4GB of double speed EE Extra data.Total cost over 24 months is £766.
The company's sales grew slightly in the last quarterCisco Systems CEO Chuck Robbins spoke at the Global Editors Conference in San Jose, California, on Oct. 5, 2015.That continues a trend the company identified in February, the last time it posted financial results.Those cutting-edge outfits keep expanding their huge data centers and adopting automation to cut costs, Robbins said.Cisco s model for future networks is its Meraki division, which sells network gear with cloud-based management and policy.We see a path to deploying that model across the rest of our portfolio, Robbins said.That s part of the company s push to rely less on selling hardware and more on delivering software and services, which generate ongoing revenue.
Colourbox Several scientific studies highlight the fact that the time in the open air celebration is good for your health. The United States has discovered that people spend most of their time indoors or in enclosed vehicles. As a company trips over this draft exit from the trend, a growing number of Americans have taken the Japanese Shinrin-Yoku practitioners. Shirin-Yoku is metsäkylpemistä, which means the outlook, scents, sounds and natural framework for self-sucking. I think about it, at which point the yoga was 30 years ago and where it is today, and I understand that the forest therapy is doing the same journey towards kultuurellista definition, through which it will become the mainstream, says forest therapy guide Ben Paige. Metsäkylvyt different from ordinary migrations, as in the metsäkylpyjen is expected to focus on the therapeutic effects of nature.
If there was any doubt before, virtual reality is quickly on its way to becoming mainstream.Google's answer to this trend is "Daydream," its own virtual reality platform that will be available on certain Android phones later this year.What really stood out about the whole presentation — including the ability to experience Google Street View in virtual reality and watching IMAX movies on your phone — was the slick controller that works with it.Simple and clean in its design, the remote only contains two buttons and a clickable touchpad the large concave surface near the top .IO16https://t.co/GMKIrNbPYS — Google @google May 18, 2016In terms of its design, the Daydream controller looks almost identical to the one that comes with the Oculus Rift — Facebook's own virtual reality headset.After all, since you won't actually be able to see the controller with a giant screen strapped to your face, a pared-down design is probably the only way to go.Daydream, along with its slick controller, will be available "this fall.Follow us on Facebook and Twitter.More from Tech Insider:Here's everything Google announced at today's big Google I/O event GOOG Airbnb is being sued for ignoring racial discrimination by hostsGoogle's 'Allo' messenger looks like an awesome app you'll never useThe best way to stop a mosquito bite from itching is surprisingly simpleA Nobel Prize winner in economics just backed basic incomeNOW WATCH: A Google engineer just cut off his daughter s phone call during a live presentationLoading video...
There isn't much growth left in the classic Ferrari market after nearly a decade of record prices — but for those that are willing to look, there are a few opportunities left.Craig Jackson, CEO of auction powerhouse Barrett-Jackson, was happy to offer what he thinks is one of the last remaining bright spots in the Ferrari back-catalog: late-model stick shift cars.It's not a new trend, but it is becoming increasingly more pronounced: late model cars with manual transmissions, even in models that haven't earned "classic" status yet, are bringing a strong premium over cars with semi-automatic paddle shifters, Jackson told Business Insider.Feel the gates."And because the final Ferrari model sold with a manual transmission— a 599 GTB and one of only 30 not fitted with the F1 transmission — left the factory in 2012, drivers looking for a modern Ferrari experience with a stick are clamoring for what would otherwise be relatively unexceptional Ferrari models, giving them a certain rarity.In effect, the cars have become unintentional "limited edition" models."There were very few California Spiders specified with a manual transmission," Hans Wurl of Gooding & Co. told Business Insider."Ferrari marketed their semi-automatic transmission as the 'F1,' wanting to relate it to the technology of their grand prix cars," Wurl said."A few of these savvy collectors, whether they were smart or just wanted the manual experience, got a car that wound up being very desirable.
This means that these computerized advisors can offer both mass affluent and wealthy investors a variety of benefits, such as lower fees.Respondents to the survey also said that robo-advisors would by far have the greatest effect on the financial services industry both one year from now particularly in the Americas and five years from now.This is all further evidence that we ve entered the most profound era of change for financial services companies since the 1970s brought us index mutual funds, discount brokers and ATMs.No firm is immune from the coming disruption and every company must have a strategy to harness the powerful advantages of the new fintech revolution.The battle already underway will create surprising winners and stunned losers among some of the most powerful names in the financial world: The most contentious conflicts and partnerships will be between startups that are completely reengineering decades-old practices, traditional power players who are furiously trying to adapt with their own innovations, and total disruption of established technology & processes:Traditional Retail Banks vs. Online-Only Banks: Traditional retail banks provide a valuable service, but online-only banks can offer many of the same services with higher rates and lower fees Traditional Lenders vs. Peer-to-Peer Marketplaces: P2P lending marketplaces are growing much faster than traditional lenders—only time will tell if the banks strategy of creating their own small loan networks will be successful Traditional Asset Managers vs. Robo-Advisors: Robo-advisors like Betterment offer lower fees, lower minimums and solid returns to investors, but the much larger traditional asset managers are creating their own robo-products while providing the kind of handholding that high net worth clients are willing to pay handsomely for.As you can see, this very fluid environment is creating winners and losers before your eyes…and it s also creating the potential for new cost savings or growth opportunities for both you and your company.After months of researching and reporting this important trend, Evan Bakker, research analyst for BI Intelligence, Business Insider's premium research service, has put together an essential report on the fintech ecosystem that explains the new landscape, identifies the ripest areas for disruption, and highlights the some of the most exciting new companies.These new players have the potential to become the next Visa, Paypal or Charles Schwab because they have the potential to transform important areas of the financial services industry like:Retail banking Lending and Financing Payments and Transfers Wealth and Asset Management Markets and Exchanges Insurance Blockchain Transactions If you work in any of these sectors, it s important for you to understand how the fintech revolution will change your business and possibly even your career.And if you re employed in any part of the digital economy, you ll want to know how you can exploit these new technologies to make your employer more efficient, flexible and profitable.Among the big picture insights you'll get from The Fintech Ecosystem Report: Measuring the effects of technology on the entire financial services industry:Why financial technology is so disruptive to financial services—it will soon change the nature of almost every financial activity, from banking to payments to wealth management.The basic conflict will be between old firms and new—startups are re-imagining financial services processes from top to bottom, while incumbent financial services firms are trying to keep up with new products of their own.Both sides face serious obstacles—traditional banks and financial services firms are investing heavily in innovation, but leveraging their investments is difficult with so much invested in legacy systems and profit centers.Meanwhile, startups are struggling to navigate a rapidly-changing regulatory landscape and must scale up quickly with limited resources.The blockchain is a wild card that could completely overhaul financial services.This technology could lower the cost of many financial activities to near-zero and could wipe away many traditional banking activities completely.This exclusive report also:Explains the main growth drivers of the exploding fintech ecosystem.Frames the challenges and opportunities faced by incumbents and startups.Breaks down global and regional fintech investments, including which regions are the most significant and which are poised for the highest growth.Reveals which two financial services are garnering the most investment, and are therefore likely to be transformed first and fastest by fintechExplains why blockchain technology is critically important to banks and startups, and assesses which players stand to gain the most from it.Explores the financial sectors facing disruption and breaks them down in terms of investments, vulnerabilities and growth opportunities.And much more.The Fintech Ecosystem Report: Measuring the effects of technology on the entire financial services industry is how you get the full story on the fintech revolution.To get your copy of this invaluable guide to the fintech revolution, choose one of these options:Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more.BUY THE REPORTThe choice is yours.But however you decide to acquire this report, you ve given yourself a powerful advantage in your understanding of the fast-moving world of financial technology.
Image caption LinkedIn only took limited measures to encode its users' passwords prior to 2012A hacker is advertising what he says is more than one hundred million LinkedIn logins for sale.The IDs were reportedly sourced from a breach four years ago, which had previously been thought to have included a fraction of that number.Invalidated IDsAfter the breach first occurred, a file containing 6.5 million encrypted passwords was posted to an online forum in Russia.LinkedIn reacted by saying it had invalidated all the accounts it believed had been compromised and emailed affected members saying they needed to register new passwords."They've looked at the passwords in the dump and confirmed they're legitimate.""A salt involves adding a few random characters, which are different on a per-user basis, to the passwords before they are hashed ," explained Rik Ferguson, chief technology officer at the cybersecurity firm Trend Micro.
View photosMoreIo keynote-126Watch out Facebook Messenger and WhatsApp, Google has a new messenger app on the loose.You can ask the Google Assistant questions while inside Allo; you can even play games.You can even pull other users into the process, by asking @google what restaurant you should eat at, you'll see suggestions and the group can all decide.You can even take advantage of "Smart Replies" to quickly reply to a message inside Allo with the right context or response.All Allo messages will be encrypted as is the trend with messenger apps , but Allo will also have an incognito mode to make your messages even more private.Allo will be coming to iOS and Android later this summer.
Every month brings the same news -- that month was the new 'hottest' month on record, edging past the previous month to paint a dire picture for the planet's climate.Soon enough, the record-breaking had formed a trend, and now NOAA has confirmed the news: we ve officially had a year-long streak of record-breaking warm weather.Before last month, the previous hottest April on record was April 2010, which was only 0.28 Celsius above average.Of all the continents on Earth, April s overall temperature fell into the top nine recorded, at the minimum.The month was particularly hard on South America, Africa, and Asia, where record temps for the month were recorded.Southern Europe also experienced especially warmer temps, as did eastern Australia, southern Alaska, and central Africa, among other places.
Portugal recently hit a new clean energy milestone, managing to run for 107 hours straight solely on renewable energy.The energy sources were wind, water, and solar, with the trio — and the technology that harvests them — sustaining the region s power needs from 6:45AM local time on May 7, a Saturday, to 5:45PM on the following Wednesday.The nation is looking toward even longer spats of sole renewable energy usage, which will be further encouraged by the upcoming summer season.This past May 15, for example, Germany said it got nearly all of its electricity needs from renewable sources, and that at some points of the day, residents received negative rates — meaning their bill received credits rather than debits.Denmark, as well, has seen increased use of renewable energy, underscoring a trend across Europe toward more renewable energy sources.As nations supply higher electrical capabilities to its residents, the number of greenhouse emissions decrease, something essential to stemming the trend of record-breaking warmth seen around the world.
According to his retelling of the story on Re/code Decode, after struggling to accomplish anything meaningful in his first year on the job, he was on the verge of being fired.This idea not only saved him his job, but earned him the lionshare of the credit for Facebook s unprecedented growth.At the time, Sheryl and Mark asked him, What do you call this thing where you help change the product, do some SEO and SEM, and algorithmically do this or that?Four Ways Software Changed How Companies GrowThere have been four major market changes caused by the proliferation of software that have changed our approach to growing products.The Emergence of Platforms and APIsEvery company is built on top of a larger pre-existing platform.Mixpanel, Amplitude, Segment, KISSmetrics, Localytics -he list goes on and on.
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