#fico #creditreport #debt Recently I was looking at my FICO score. We've all been taught since childhood that a good citizen pays their debts on time and is responsible with their credit. This is the reason the following negatives in my recent FICO score came as a surprise to me: Few accounts paid on time You have few accounts that are in good standing.Number of your accounts currently being paid as agreed1 accountThe FICO® Score considers the number of accounts showing on time payments. In your case this...

A dog waits for people to help him free himself from the clutch of a python snake.

#science #reflection #mirrors #honeycomb Have you ever looked closely at a bicycle reflector? If you have, you will have seen the honeycomb pattern deep inside. What you are seeing is less honeycomb and more a stitching of multiple reflecting surfaces at a right-angle to each other. Mirrors are a great reflecting surface. When you shine a light to them, the light will reflect at an angle directly opposite, this is known as the law of reflection. For example, in this diagram, P is the light being projected onto...

#libra #stablecoin #potentialforcatastrophe #potentialforgood Yesterday, an association of 28 companies, most notably Facebook, Mastercard, Visa, Uber, Lyft, eBay, Vodafone, Coinbase, and Kiva, released a whitepaper for a new cryptocurrency called Libra (oddly enough, that translates to pound in Spanish). The goal of this cryptocurrency, according to the whitepaper, is to facilitate payments between the billions of people that are unbanked in the world. While banking is not a new concept for most people in developed countries, in the rest of the world, it can be either too expensive...

Smartphones have most definitely changed the way we communicate with each other. This revolution in communications began not with Smartphones or the iPhone, but with the internet and computers. Already, back in the late 90s, in the era of instant messenger and the early days of VoIP technology, distances across the globe became obsolete. Communicating with a friend across the street, or on the other side of the world, happened at the speed of light. In the 90s and early 2000s, the communications revolution belonged to wealthy countries....

We've all been told this for most of our lives, "the sky is the limit" of your <insert ambition here>. But do you say to someone that has actually reached that limit? What do you say to someone whose ambition and perseverance has reached the sky? https://www.instagram.com/p/BxxeSHbFeAv/ I'm not talking about astronauts or Space-touring billionaires (Elon Musk or Jeff Bezos), I'm talking about a group of college students who became the first group of amateur rocketeers to launch a rocket into space. The students were part of the...

Back in 2006, there was a documentary called "El Ataque de los Niños" (The Attack of the Children). The documentary focused on a new generation of kids that were coming through the ranks into MotoGP; Dani Pedrosa, Jorge Lorenzo and Casey Stoner. Those three "Children", had cleaned up the smaller classes of the MotoGP championship on their way to the Premier category, MotoGP. At that time, the king of the MotoGP, and for a few years thereafter, was the flamboyant Valentino Rossi. When the "Children" entered the premier...

Artificial Intelligence (AI) is a broad term used for intelligence that is non-biological (machine intelligence). AI is made up of various disciplines, one of them is Machine Learning (ML). Machine learning is one of the most common forms of AI to which we are normally exposed. When you use your phone and ask it a question, your phone is using ML (and natural language processing) to provide you the best answer it has learned. Typing corrections, which are tailored to your typing habits, are also a result of...

It has become almost a non-issue these days for large companies to announce a security breach that resulted in bad actors obtaining customer data. And in almost all cases, the data obtained by the bad actors is user-identifiable data such as email address and passwords. Today, Flipboard announced they were hacked since the middle of 2018 until recently. Findings from the investigation indicate an unauthorized person accessed and potentially obtained copies of certain databases containing Flipboard user information between June 2, 2018 and March 23, 2019 and April...

One of the most anticipated phones of the year arrived recently from OnePlus; the low-priced, high-specs, alternative to premium phones. The latest phone from OnePlus, the OnePlus 7 Pro is the first phone to market to feature the latest storage standard, UFS 3.0, which promises storage performance that is twice as fast as its predecessor. The phone also features a high refresh rate display, rated at 90hz (most phones are rated at 60hz). With a higher refresh rate, animations, like swiping, playing games, and general use of the...