Top 10 technologies the next 3 years

Analysts called the 10 technologies that have the greatest impact on enterprise development in the next 3 years. Gartner has identified the top 10 strategic technologies for enterprises in 2012-2014. By Strategic Technology Gartner analysts attributed technologies that can have a significant impact on the company for 3 years to come. Both positive (if the company has time to time to take advantage of technology) and negative (in case of neglect).

To include strategic as existing technology, and technology at an early stage of development, can become a competitive advantage the first agencies to pay attention to them, or significantly change the market.

"These top-10 technology will be strategically important for most organizations - said vice-president at Gartner, David Kyrle (David Cearley). - Why CIOs should pay careful attention to this list in the process of drafting the plan and understand how these technologies can help achieve the desired results. "

1. Mediaplanshety and other form factors

In the first place Gartner has placed a variety of supported form factors. "There will be no dominant platform, or the dominant form factor, no dominant technology - say at Gartner. - Companies will have to simultaneously support the work of its employees on 2-4 client devices, but also allow employees to use in their personal gadgets. "

According to analysts, companies have to maintain just two mobile strategy: Business to employee (B2E) and Business to consumer (B2C). In the first strategy companies will organize the most flexible working to employees, in the second - to provide maximum flexibility to access their resources from without.

2. Mobile applications and interfaces

Over the past 20 years, the principles of constructing user interfaces have changed dramatically, experts say. Currently popular are interfaces that are optimized for mobile devices, which are the main functionality includes the ability to read and touch gestures, improved search technology, management of voice and multimedia capabilities. Handle is the one who will be able to learn cross-platform application development and cope with a wide variety of devices.

3. Context and social services

Contextual systems are able to anticipate the user's needs in advance and collect the necessary data. In Gartner predicts the development of this direction. The main applications context technologies are mobile phones, social networking, mobile commerce and augmented reality.

4. Internet of Things

The concept of "internet of things" refers to global connectivity

almost any object with the ability to obtain information from them and manage them. According to analysts Gartner, technology in this field reached a critical mass in the next few years will see a breakthrough in this direction.

5. Application Stores

In Gartner predicts that by 2015 the annual number of downloads of all available applications stores will exceed 70 billion Moreover, if such stores are mostly run on ordinary consumers, in the coming years will be open to shop for businesses.

Ten strategic technologies enclose:

6. A new generation of analytics (analysis of historical data, forecast of future events)

7. Large amounts of data (fragmentation of data to be processed)

8. Calculations of RAM (In-Memory Computing)

9. Servers with ultra-low power

10. Cloud Computing

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Refinancing of loans

As usual, we are refinancing explain it simply, what is called "on the fingers." Thus, the borrower took out a loan. Took out a loan at a sufficiently high interest rates and a relatively short period of time. Regularly paid on the loan, as he sees that the interest rates at different banks are lower than in "his" bank. What does the borrower?

Of course, he can not "jerk", and pay as paid, but may try to reduce the interest rate, and give for the loan is less. How do I do? You can come to "own" the bank and ask them to lower interest rates. What will happen?

Option two:

- Or leave interest rates unchanged. (Of course! Interest - this is income of the bank! Who will give up on the income?)

- Either the interest rate will drop. (Miracles happen sometimes!)

Cases where the bank is ready to lower interest rates and when the bank is not ready to drop - a closer look.

Let's say the bank is ready to lower interest rates.

You can do this in two ways:

If the loan agreement between the Borrower and the Bank provides for changes in interest rates, the bank will simply change the interest rate and all. This application is made to the loan agreement.

If the credit agreement does not provide for changes in interest rates, the bank issues a new loan on different terms. Due to the new loan is extinguished the old loan and the borrower pays in accordance with the terms contained in the new credit agreement.

If "your" bank is not willing to lower the interest rate or some other way change the terms of the loan agreement, you can go to another bank and get a new loan there. Due to the new loan can pay off "their" bank continue to pay for a new loan on new terms.

Getting a new loan, through which you can repay the old loan, and just called the refinancing (or refinancing).

Complexity of refinancing

So, imagine that you have come to the bank for a new loan to get him to pay with your bank, where first credited.

And, let's say you need a loan of $ 100 thousand (maybe more). The amount - a substantial bank and is ready to give credit only for mortgages. But real estate is already pledged to "own bank": the one that has issued the credit and loan refinancing which we have. In order to "own bank" agreed to take a pledge, it is necessary that you have returned to him the money, but to a new creditor bank would give you money, you need to have you laid him real estate.

It turns out "vicious circle", which does not break so easily.

What to do?

Different ways of refinancing

- "The curve diagram" - for its implementation needs a "good uncle" (aunt, organization, winning the lottery, an unexpected inheritance, the treasure, the money from the business and so on).

If the "good uncle" there is, then everything is simple.

- The classical scheme of refinancing - a new bank gives the money to repay the money with the same creditor bank.

What is needed to refinance?

Usually (at least as assumed), the refinancing needed to reduce the interest rate and, consequently, reduce financial losses. But there was a case where we have to their customers refinanced loan, resulting in interest rate does not become smaller, but quite the contrary. And anyway, it was profitable.

This case struck me as so interesting that I want to tell us more about it. Asked me my former clients who have bought an apartment a year ago with my help. Addressed in order to buy another apartment so by renting a new apartment to rent, pay off the bank not only your money, but money and tenants.

And everything is good: the monthly income of my clients is enough to get a new loan and pay for it, if not a "but": my clients managed to collect consumer loans in different banks. So, given: There is a mortgage, obtained at 10 years old, under 11%.

Bank to pay the remaining 64 000 dollars. The monthly payment is 1100 dollars. There are four consumer credit, combined with 12 - 14% per annum, the balance of the debt which is 26 000. Although the amount of debt on consumer credit is not great, but since the loans were taken at 3 - 5 years, the monthly payment by him of 810 dollars.

Thus, the existing loan borrowers are already paying 1100 + 810 = 1910 U.S. dollars.

The task: to do so to replace all the existing loans to one and get the money for a down payment to buy another apartment.

A decision to refinance loans. Loans secured by the apartment, under which has already received a mortgage, you take another loan. The market value of the apartment on the date of refinancing - 260 000 dollars, so easy to take a loan of U.S. $ 130 000 at 12% per annum for 15 years.

Note:

The interest rate on your mortgage has become more: 12% instead of 11% per annum;

But:

- Borrowers were 130 000, of which 90,000 took to the "close" all the existing loans;

- there were

More than 35 000 in cash, which can be sent as a down payment when purchasing another apartment, (probably counting it all yourself, you decide that I was wrong because: 130 000 - 64 000 - 26 000 = 40 000.

But if there are overhead-lending.

- Payment of borrowers decreased: the total payment for all loans was 1910, became a form 1560.

- When before, with a bunch of loans, the banks did not want to see them as borrowers, now, when the loan is only one, glad to see them as their customers, many banks.

This incident occurred a couple of years ago. Now, in response to the crisis, the stakes rose, lending terms and refinance loans - have changed. So, unfortunately, what is described here now is not possible ...

While it is not possible ..

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Art in the house according to Feng Shui

Not so long ago I encountered a woman (let's call it, for example, Kate), which equips her apartment on the requirements of Feng Shui. I confess to this "Feng Shui" I'm very, very skeptical. But in order to check the hot assurances of his favor, she decided to learn more about the principles of Chinese teachings and its compatibility with the visual arts.

Art in the bedroom according to Feng Shui

It turned out at once that the room was far from Katie fenshuevskaya. Pay taxes to sleep, not enough - we said Chinese scientists.

Assurance of the benefits of the red zone in the bed of feng shui confirmed. Just - oh, horror! - Katya wallpaper with red flowers! No, no, you can not - categorically claims the ancient teachings. The bedroom can not be placed not so much painted, even fresh flowers!

In part, this claim has arisen from quite natural reasons - the flowers at night pull oxygen from the air, so you may have problems with sleep. Although I wonder how many should there be flowers in the room to become a man nothing to breathe? Chinese doctrine is opposed to another plant due to the fact that they draw energy from the sleeping man. Even painted. Feng Shui is strongly advised to hang in the bedroom paintings of flowers. Especially over the headboard.

But every other picture in front of the bed will be very much appropriate. Especially if you wake up, you'll see something cheerful on the canvas. A small correction - this cheerful in any case should not be autumn landscape, even the most light and beautiful. Better summer.

Who is not nice to fall asleep to the sound of murmuring water, running on the beach or the lake ... and again no! There are no fountains in the room, Chinese scholars also reject the Universe. Alas, this is again applied to the picture. You can not place the product in the bedroom with waterfalls, fountains, rivers or seas. This will lead to confusion in the family.

The list is not recommended image is still ongoing. The ban applies to photographs of children, parents or friends, and generally someone else's portraits, as well as pictures of animals.

By the way, not only painting suffered disgrace. Ill keep in the bedroom stuffed animals and dolls (even collectable and very expensive). They supposedly make the atmosphere of childhood emotions and distract from love.

What can be? It turns out that the paintings can only be his portraits, preferably on a canvas and painted with oil. Landscapes of the spring, summer and winter, and fruit still lifes. Recommend an image of something the pair. This will strengthen family life.

Will be useful ceramic vases, vessels, figurines and plates. It strengthens family values.

Living room. Feng Shui in the zones

Glory to the Chinese gods that area in the apartment have a positive value - Zone money, health, etc. This is something interesting.

In the living room puts a lot of figures of animals! If you can see from the window of a hospital or other institution negatively - turtle figurine on a windowsill will be just right. No money? Put the figures on the shelves of three-toed frog or dragon with a pearl in the mouth.

If you have a mind for some reason comes - calm the nerves of collectible figurine of an owl.

And if you want kids - get a stork. Do not live, of course. Although not yet proven, by a stork will be more confusing.

Sculpture and plastic arts in the form of almost all known animals will benefit. Fish, elephants, tigers, dragons will provide you with happiness, "according to Feng Shui." By the way, is particularly useful wooden sculpture. As well as images of water fountains and plants. And live, and in pictures.

In the south-western wall of the room in any case do not hang a picture with the theme of loneliness, the better they hang a picture with bright colors (red or orange). But on the north wall should hang mountain or water views.

In the southwest, a better place now with a shiny sea view.

Take note that there are no crosses, monsters and items like ornaments in furniture and paintings is also better not to do, and then come vicious Shah and energy you sharahnet negative.

Digestion of "Feng Shui": kitchen

In the area where the stove is better to use an image or object is green. Painting with wood or decorative ornaments.

In the south-east of the kitchen do not hang pictures of silver, gold and white tones. In the south, avoid the blue and black shades on south-west is also green. While that's done, if it is in the southwest is plaque, which simply requires the presence of green - Feng Shui diplomatically silent. And for good reason.

In the northeast, refuse rectangular paintings and objects, and in the north of the square. And in the east allowed the red image.

A little side note, not related to art: cook a meal - ventilate the kitchen. Because the smell of food (even delicious) you can also sharahnut negative energy Sha. That's it. Maybe it is better not to cook?

Although not worry, friendly kitchen floral designs in pastel colors can win and Sha Tsiknut it.

More precisely, to draw friendly energy Chi.

Feng shui is not a child. Children's rooms

The room should be a different color is divided into areas - the playing, training and sleeping.

If your child is sitting at his desk - follow strictly to mischief did not hang on the wall behind the drawn cartoon monsters. And do not place a picture there with wild animals and water.

Bright wallpaper, colored furniture, posters - everything is good for kids. So if the walls are covered with colorful posters of children, rejoice - it means that your child's sense of Qi energy.

So if you're partisan exercise, "Feng Shui", better refrain from acquisitions pictures spontaneously, and refer to the art consultant who will help you make the right choice.

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Color reading room

It's no secret that many owners with screen readers E-Ink (electronic ink) reacted to the popularization of color TFT-chitalok with a fair degree of skepticism. Indeed, the main advantages of the classic E-Ink-readers - the possibility of a long read without injury to the eye and stand-alone operation for up to a month - with the ordinary reader of TFT-LCD (like netbooks and tablets) are not peculiar. So, the prospect of competition from TFT-reader tablet / smartphones (whose functions for reading and multimedia are not limited to) seemed very vague. And yet, at the end of 2010 the share of non-ferrous chitalok of total sales of e-readers was almost 10 percent. And despite the fact that the first models of these devices were sold only in the second half of the year, and E-Ink'om producers sold the entire year since its inception.

"Swim to the surface" of these devices to help, first of all, price. Earlier we talked about the difference in the cost of the screen, made by technology E-Ink, and conventional TFT-display - that's $ 50 vs. $ 25-30. In this colorful reading room can offer features that are not possible in conventional E-Ink-reader. With regard to competition from TFT-reader tablet, then, of course, to the functional and they do not stand next to - but the most popular features of tablets (even expensive and heaped plates of Apple and Samsung are often purchased just for the sake of reading, watching videos and listening to music) in low-cost TFT reader implemented at a high enough level.

Cheap and sad

However, given the fact that most actively interested in development of new niche Chinese developers (as well as working in partnership with Russian brands), the quality of most readers of color corresponds to all the stereotypes about electronics from the Middle Kingdom. Official statistics on the "battle" of devices that go with pipelines nameless Chinese factories, no. However, you can make its own impression on the reviews on the Web: the dignity of the vast majority of low cost TFT-readers are described in one word ("Cheap!"), And these deficiencies is a very long sheet of text. Among the problems cited most frequently encountered "bad interface design," "a lot of typos in the menu," "touch screen is not enough accurate and sensitive," "build quality - bad," "supported format small", "no normal firmware."

Of course, the representatives of the famous brands that rule does not apply: there is a reader with color LCD displays the model number of Amazon Kindle and Barnes & Noble, also colored readers "A" class are sold under the brand name PocketBook (leader of the Russian market with a share of electronic chitalok 40 %). All these gadgets combines high quality production, the relatively high price and a common platform - Android.

Ebuki and tablets

One relatively recent development of the American company Barnes & Noble (very, very large publishing house) - Model Nook Color - a color touchscreen TFT-LCD with 7-inch. The device running Android. Of course, the developers have created it, with an emphasis on reading, but in fact this product is a real tablet.

In September 2011 came another color reader for one of the largest "chitalochnyh" brands - Amazon Kindle. Powerful 7-inch tablet running Android 2.3 is called the Amazon Kindle Fire. Color eReader truly "burn": a combination of powerful processor and high-quality IPS-display (IPS - is perhaps the most qualitative species TFT-screen) make it suitable for the colorful games, almost all applications and video playback in HD-quality.

Thus the main drawback Readers Amazon Kindle and Barnes & Noble - in Russia, they can only be purchased on a "gray" channels, that is the official sales of these devices is not here and probably will not. The reason for this - the development of piracy in our country: to implement in Russia intended to sell content (electronic books and periodicals) gadgets simply unprofitable.

Among the officially sold in Russia color reader for the Android platform in the lead PocketBook IQ 701. Reader in a bright glossy package has a 7-inch touch screen, can connect to the Internet via Wi-Fi and has a functional full-fledged Tablet Android-secondary level. In fact, some experts believe this model is a Tablet PC, not reader. And according to the analytical group SmartMarketing PocketBook company's second-largest supplier after Apple "tablet" in Russia - just because modeliPocketBook IQ 701, sales of which began in November 2010.

In mid-November 2011 to start selling a new 10-inch multimedia reader (read - almost too full plate) PocketBook A 10''platform Android 2.3.4. Novelty is equipped with a powerful gigahertz processor has access to the Internet and the Web front camera for video calls. Quality devices PocketBook no worse than in the same Kindle and Nook, because their assembly is done at the new plant Taiwanese company Foxconn Electronics - the world's largest contract electronics manufacturer, which produces also the iPhone and iPad for Apple, xBox 360 for Microsoft, and phones for Nokia.

In general, Android-readers have a right to exist - and they are much more interesting than usual chitalok with color TFT-LCD, which does not allow you to download books directly from the Internet, install games and applications.

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