The best way to raise money for your old car get | Senior Driver ...

Raise money for your old car get

There are two classic techniques of selling your old car, the sale to a private buyer or selling to a dealer, but in the current past, a new approach has emerged: the sale of a specialist all purchasers of automobiles. Purchased for money is a buyer of vehicles, and we will obtain all makes and models, in every single state. No matter if it is excellent or bad, we?ll supply your automobile. Here we will talk about why it may be advantageous for you to sell your car for us, rather than a dealer or private seller.

Problems with the sale of private vehicles. You sell your vehicle has deprived several drawback. It is never ever guaranteed to turn the individual. Above, or they run on time. This can be a complete lot of time to add the procedure of selling your auto: every single vehicle purchased for cash, we buy them at any time of day, convenience is one of the most critical part of our ethics. Buyers can be achieved with less cash than the auto is worth. This is a negotiating method, believes that the individual you sell a lot more on the site and take what they have to offer you. The buyers can say they do not purchase the auto with out a test, but have no insurance and will refuse to cover costs. This means either that you refuse to be usual, or you pay for the expense of insurance itself. And without a guaranteed sale, this could not funds down the drain.

Issues with trade in part or Exchange.

Traders only trade in costs, regardless of the state supply the automobile that you can continue to be a full service history, it could be the exact same in considerably better shape other vehicles, but dealers do not reward you for that. No dealers truly want your old car, they just want you to purchase 1 of their new cars. For example, with the major vehicle dealerships, you will rarely see vehicles much less than 5 years on the sale? What happened to all portion-exchange vehicles are sold to modest distributors. Consequently, it is not worth a decent amount you cash for your old car.

Why all the vehicles bought for money is a great way to sell your automobile: The third alternative, by far the strategy a lot more handy to sell your auto to a specialist ?cash for vehicles business will use. Cash for auto organizations offer dollars in exchange for your old car. Each and every car purchased for its money supply within 24 hours.We will practically guarantee a sale, simply because we buy them in each state and all brands. We will obtain them at a great price, taking into account the mileage, condition, age and model ahead of generating a reasonable provide.

Related posts:

  1. Effective ways to sell your car
  2. The best stock cars in Croydon
  3. Used online classifieds
  4. Get great deals on used cars with online retailers
  5. To get the best price when selling your used vehicle

Source: http://seniordriver.org/2011/used-cars/the-best-way-to-raise-money-for-your-old-car-get.html

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FAQ's ? Commercial Mortgage Refinance | Michigan real estate

Have a few questions regarding a commercial mortgage refinance? Few are the most typical questions we are asked on a daily basis.

Timing ? will it really take 30 days to close?

No, unfortunately it will probably take longer than 30 day from start to finish to close your loan. 60 days is really the norm on an average deal, though 45 days is doable. 30 days is universally under estimated by banks, lenders and brokers. If someone tells you they can close your loan in 30, they?re either a rookie, or just trying to tie up your loan. Which of course, is a really poor way to start off the transaction.

Despite your potential frustration and aggravation on why it takes so long, it better to just accept the process and be as diligent as possible in submitting all of the required documentation from the bank. One of the biggest delays is the borrower?s inability or just plan reluctance to provide the required items. Too often the borrower feels justified that the bank is just being overly conservative or to thorough. All this does is simply stalls the process. Once requested, banks rarely back down from needed documentation.

What are the fees?

They?re actual pretty much the same across the board. There is normally a 1% bank fee, often lenders will have a processing fee of approximately $1000, appraisal reports range in cost from $2,000 ? $5,000 (though it?s not uncommon to see appraisals more like $10,000 or more on larger, special use properties), title ranges from $800 ? $2000 again depending on the loan amount/state, and a phase one environmental report will cost around $1,500 ? $2,000. Some properties like multifamily will not normally have environmental fees or if they do it will be more of an environmental survey which costs approximately $800.

What can I expect for loan programs?

It really ranges widely depending on the deal. Amortization periods range from 15 to 30 years, fixed periods from floating to 30 years, stated income, .8 dcr minimum required, 90% financing, etc. Also, it pays for the borrower to keep in mind that banks can use the same loan program but roll it out it different ways. For example 99% of banks offer the SBA 7a loan as a floating product. However, there are a few that offer this as a 5 year fixed, 25 year amortization loan.

What is a prepayment penalty, and can I get out of it?

Prepayment penalties are fees that borrowers incurs if they pay off the loan, either by selling the property or refinancing the debt, before the agreed upon period. The timing is normally between 3 -5 years with some CMBS lenders going as long out as 10 years. The fee is almost always in the form of percentage of the loan balance, i.e. 3 -5% of the loan amount. In other words if the loan amount is $1,000,000 and the borrower has a 5% pre pay it would cost him $50,000 to pay off the loan early.

It terms of getting out of it, yes it is possible, though the pool of lenders that offer this is greatly reduced. It?s probably, and this is a guess, 1 out of a 100 banks or lenders will either outright waive it or more likely ask for an increase in interest rate to justify the compromise. And I?m referring to a new loan. Once in place, you are pretty much stuck (though you could look into a defeasanse or have another borrower assume your loan). We work with a bank out of Virginia that commonly waives all prepay?s though their rates are a little high.

What is the application process?

After the borrower agrees to move forward with a bank/lender they will be asked to fill out an application and provide documentation. What is normally requested is a personal financial statement, three years of business and personal tax returns, year to date profit & loss statements and year to date balance sheets. After a full ?scrub? of the above by underwriting, the lender will normally issue a term sheet, which itemizes the offer by the bank. Its normally a couple of pages long, and spells out the bigger issues such as rate, amortization period, etc and smaller issues with of course includes a lot of small print protecting the bank. If the borrower wants to move forward they will need to sign the letter and write a check to the bank to cover the appraisal, environmental and sometimes a processing fee.

At this point the loan is officially in process. The lender will engage an underwriter to thoroughly review the funding request and will issue a needs list with additional documentation needed beyond what they already have. The third party reports will also be ordered at this point. Once the needs list has been satisfied, and all third party reports are in the bank will officially approve the loan (or not) and set up a time to close.

It is a good idea for the borrower to be patient and encourage the bank to be as thorough as possible with their preliminary underwriting so you do not waste your time and money on third party reports, as it can be difficult to get a ?refund?.

By: Jeff Rauth

Source: http://www.brothernwla.org/faqs-commercial-mortgage-refinance/

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Colonial American Drinking From Rum to Whiskey | Suite101.com

George Washington's Whiskey Operation at Mount Vernon Reflected a Truly
George Washington's Whiskey Operation at Mount Vernon Reflected a Truly "American" Product - Courtesy of Mount Vernon Ladies Association

Early Colonial drinking habits spanned the social classes but it was George Washington whose whiskey distillery came to symbolize what was truly American.

Part of a soldier?s daily ration at Valley Forge included a gill (approximately half a pint) of whiskey. One result of the British blockade of American ports during the Revolutionary War was an end to the importation of molasses, used to make rum. Historian Mary Miley Theobald writes that, ?whiskey rarely appears on tavern price lists before the Revolution?The Revolution meant the decline of rum and the ascendancy of whiskey in America.?

George Washington became one of the largest whiskey producers after returning to Mount Vernon following his years as President. Alcoholic consumption in the seventeenth century was part of daily living for most people, beginning with the establishment of the first beer brewery in 1612 by the Dutch and the first whiskey distillery in 1620 in Virginia.

The Importance of Colonial Taverns in Everyday Life

Historian Peter Thompson identifies the colonial Philadelphia tavern as the best example of ?public space,? arguing that, ?Taverns were?the most enduring, the most easily identifiable, and the most contested body of public space in eighteenth-century America.? Taverns were not restaurants but places where men met to conduct business, talk politics, and relax. Writing in American Heritage, Stephen Beaumont and Janet Forman conclude that, ?Our nation was born in taverns.? Taverns were also places men could sit and enjoy a dram or a pint of porter.

Although alcohol consumption impacted most colonial Americans (historian W. J. Rorabaugh estimates an annual consumption of 3.7 gallons), religious groups like the Puritans in New England the Pennsylvania Quakers discouraged its use. One early critic, Benjamin Rush, suggested that heavy alcohol consumption contributed to numerous illnesses, including liver problems. Beer, however, was tolerated as a less potent beverage. William Penn noted the Pennsylvania breweries when enticing Germans to migrate to his colony.

Even the Puritans sanctioned the tavern, an institution that, according to the New England Journal of History (Bruce Daniels, Fall, 1994) ?gradually became a central social institution, where food, drink, conversation, and entertainment ameliorated the stress of daily living.?

Consuming Alcohol Instead of Water

By all accounts, water was considered unfit for drinking in many colonial communities. Alcoholic beverages were thought to be more reliable and safe. Additionally, alcohol was used for medicinal purposes. It was also consumed during holidays and special occasions. A favorite concoction in Colonial Williamsburg was Brandied Peaches. Washington, although he traded in whiskey, preferred Port or Madeira fortified with brandy. Whiskey, however, was still the drink of the poor. Medicinally, rum was always a key ingredient in such ?cures? as a Hot Rum Toddy.

Jefferson?s tastes were such that, ?This tall, red-haired man gave as much thought to choosing a cook or maitre d?hotel as he did to appointing a high-ranking government official.? The same could be said of the third president?s wide range of taste in expensive wines. From the Founding Fathers to the lowest tiers of the social scale, alcohol was an integral part of dining and entertaining.

Historian David Freeman Hawke discloses that for ?many a settler, especially those suffering from malaria, a dipperful of hard cider, peach brandy, or something equally invigorating on rising let the new day start on a pleasant note.? Historian Ed Crews states that, ?Many started the day with a pick-me-up and ended it with a put-me-down.? There is little doubt that consuming alcohol - in one version or another, was part of everyday living in the eighteenth-century.

From Whiskey Rebellion to Whiskey Production

Despite Jefferson?s efforts, wine never caught on as an American product. While in Europe, he visited France, Italy, and England to purchase wines. His only American purchase, according to Dave DeWitt, was Scuppernong from North Carolina. Washington, though producing whiskey ? the poor men?s spirits, drank wines and brandies.

During Washington?s presidency, farmers in Kentucky, lower Ohio, and western Virginia refused to pay an excise tax on whiskey, a measure devised by Treasury Secretary Alexander Hamilton. This was the ?Whiskey Rebellion,? forcing Washington to raise militia troops in response. Mary Theobald refers to the farmers as ?whiskey boys? and claims that the protestors were drinking the corn whiskey themselves rather than selling it.

Washington?s venture into whiskey production was tied to the abilities of Scotsman James Anderson. By the time Washington died, his whiskey enterprise had grown to be highly profitable, representing one of the largest operations in the growing nation. Archaeologists rebuilt the original distillery at Mount Vernon, opening it to the public in March 2007. According to one Colonial Williamsburg guide, "Washington's whiskey would've been somewhere between 60 to 70 percent alcohol..." although he also produced a much stronger variation.

The Universality of Alcohol Consumption in Colonial America

There is a reason a brewery in Boston is still named for Samuel Adams. Drinking was part of the everyday experience ? Ed Crews writes, for example, that even ?craftsmen drank at work.? In many cases, what people drank reflected their social class. Thomas Jefferson, who toured northern Italy to purchase wines while in Europe, spent over a third of his presidential salary keeping the wine cellar in Washington City filled with the most expensive wines. His political opponent and erstwhile friend John Adams drank hard cider.

David Hawke states that, ??beer became the favored drink among the plain people.? The Continental army around Boston, for example, received a quart of malt beer daily. Average farmers grew orchards to produce fruit brandies - usually peach, while rum and hard cider, especially in New England, was cheap. Mixed drinks were enjoyed by everyone, the most frequently used example by historians being the ?flip.? Recipes vary, but according to the glossary of Colonial American English, it was a hot drink of ?spiced wine whipped up with egg.?

By the end of the American Revolution drinking habits changed. Washington?s Mount Vernon whiskey operations represented this transition from rum to what would later be called Kentucky bourbon in the nineteenth century. Despite his investment in money and labor, Washington?s operations ceased shortly after he died and the estate passed to a family member who may have lacked Washington?s vision.

Drinking has always been part of the American experience; whiskey added a unique sense of ?Americana,? being made in the United States and affordable for most Americans. Taverns may have assisted in this process, forming a nucleus for contemporary gossip, debate, and entertainment ? albeit male dominated. In this sense, alcohol bridged the private and the public sphere of everyday life.

References:

  • Stephen Beaumont and Janet Forman, ?Liberty Inn,? American Heritage (June 2003, Vol. 54 Issue 3)
  • Ed Crews, ?Drinking in Colonial America: Rattle-Skull, Stonewall, Bogus, Blackstrap, Bombo, Mimbo, Whistle Belly, Syllabub, Sling, Toddy, And Flip,? Colonial Williamsburg Journal, Holiday 2007
  • Bruce Daniels, ?Another Type of Meetinghouse: Puritan Ordinaries and Provincial Taverns in Colonial New England,? New England Journal of History, Fall 1994
  • Dave DeWitt, Founding Foodies: How Washington, Jefferson, and Franklin Revolutionized American Cuisine (Sourcebooks, 2010)
  • Alice Morse Earle, Home Life in Colonial Days (Stockbridge, MA: The Berkshire Traveller Press, 1974)
  • David Freeman Hawke, Everyday Life In Early America (Harper & Row, 1988)
  • Richard M. Lederer, Jr., Colonial American English (Verbatim, 1985)
  • Mary Miley Theobald, ?When Whiskey Was The King of Drink,? Colonial Williamsburg Journal, Summer 2008
  • Peter Thompson, Rum Punch & Revolution: Taverngoing & Public Life in Eighteenth-Century Philadelphia (University of Pennsylvania Press, 1999)
  • Website: Mount Vernon
Copyright Michael Streich. Contact the author to obtain permission for republication.

Source: http://michael-streich.suite101.com/colonial-american-drinking-from-rum-to-whiskey-a391938

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Teaching the Essentials of Personal Finance with Online Gaming ...

In recent months I have noticed the addition of many new, no-charge Web sites and online games that are designed to assist individuals in gaining financial literacy. The following are three examples, each for a different age group:

Middle Schoolers- The Quest for Money Online Game: In April 2011 online money management program Mint.com (www.mint.com) introduced the ?Quest for Money Game? located at www.mint.com/education. The amusing characters in the game are based on the characters in the Mint Quest for Credit video located at http://www.mint.com/blog/goals/quest-for-credit-complete-version/. The Quest for Money Game is a fun way for middle-school students to learn about the ramifications of personal finance decision-making. Game players will learn money management strategies, such as earning and saving money, and budgeting to meet specific financial objectives. To move ahead players must correctly answer questions about money, shopping, and saving. Smart choices and correct answers receive rewards. Mint provides teachers with lesson plans and online resources. These classroom materials will be distributed to 30,000 classrooms this year. Mint also includes parents in their financial literacy initiative. Parents can download family worksheets and activities that can be used at home. To download lesson plans and family financial educational materials visit https://www.mint.com/education/resources.

Low-Income Adults- Farm Blitz Online Game: The Rand Financial Literacy Center, a joint venture of Rand, Dartmouth College and the Wharton School, offer a free online financial literacy game for low-income adults titled ?Farm Blitz? located at http://financialentertainment.org/. (Farm Blitz was inspired by the extremely popular online games Farmville and Bejeweled.) Farm Blitz let?s players experience how inferior financial decision-making can quickly result in high debt and make it impossible to save. Farm Blitz focuses on three personal finance lessons. First, the importance of minimizing high- interest, short-term debt. Second, the value of maximizing low-interest, long-term savings. And finally, understanding the importance of compounding interest. To watch a trailer of this no charge, adult financial literacy game visit http://www.youtube.com/watch?v=EBt8YaawQaU.

Children- The For me, for You, for Later: First Steps to Spending, Sharing, and Saving Online Program: The Wall Street Journal on June 20, 2011 had an advertisement for PNC that announced their new, free online financial literacy program for children. PNC and Sesame Street partnered to create the online program titled, ?For Me, for You, for Later: First Steps to Spending, Sharing, and Saving?. The program and resource materials are located at www.pncgrowupgreat.com. The PNC program was developed by the Sesame Workshop, creator of Sesame Street. Children learn the financial basics as Elmo learns how to spend, save and share. The online programs is bilingual, has a parent and caregiver guide, children?s activity book, three jar labels, and a Sesame Street DVD that features Elmo, Cookie Monster and their friends. Educators can download a guide that can assist them in incorporating the program?s activities into their classroom lesson plans.

Kathleen Sindell, Ph.D. is the author of numerous academic, popular, and professional finance articles, Web sites, proposals, and books, including the bestselling reference book, "Investing Online for Dummies, Eds. 1-5" (listed for two consecutive years on the Wall Street Journal's Bestselling Business Book List). Sindell has an in-depth understanding of the financial services industry and holds Series 7, 63 and 65 licenses. Dr. Sindell?s public speaking and writings assist individuals in gaining financial literacy. Sindell tracks a variety of financial sources to identify emerging investor and personal finance trends then creates educational investor and finance presentations or materials for publishers, organizations, trade associations and educational institutions. Dr. Sindell is regularly tapped as a financial expert on ABC World News, CNNfn, The Nightly Business Report, and at popular online and print outlets. Dr. Sindell has over 18 years of experience in designing and developing learning objectives, instructional activities and curriculum using adult learning principles and various media and tools to achieve maximum results in the shortest time. Kathleen Sindell, Ph.D. is certified to teach Business and Industrial Management, Banking and Finance by the California Board of Governors (Certificate #19507). For over four years she managed the Financial Management and Real Estate programs and faculty at the University of Maryland, UMUC Graduate School of Management & Technology. At UMUC Sindell taught 11 graduate financial management courses and four executive financial management courses. For 15 years Sindell has been a practioner faculty member of the Johns Hopkins University, Carey School of Business, where she creates graduate courses and teaches corporate finance, individual investment management and wealth management.

Source: http://kathleensindell.com/blog-writing/teaching-the-essentials-of-personal-finance-with-online-gaming-and-programs

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Assistance and Self Improvement | | Health & Fitness BlogHealth ...

Self Help and Self Improvement

There are several ways to define what it means self-improvement, and there are thousands of ideas to improve your subject. For some it may be a way to get higher payments and for others it can have a chance, their popularity among the friends and society. However, self-improvement is a series of logical steps to improve in every area of ??men. Self-improvement is different for each of their perspectives and goals are different. Self-improvement is only to know us better and discover your inner talents and positive.

Power of Self Improvement

Many of us takes care of the problems that stop us through the stages of our lives. Self-improvement helps us in clearing this difficult stage of our lives. It is also clear that positive changes to keep you happy throughout the entire life. Care and following the main steps of self-improvement will help you succeed in your personal and professional life. Walking the path of self-improvement also helps us to motivate, to the achievement of milestones in our lives can not. As there are many possibilities, as are the competitions. It helps us to seize these opportunities and be at the top among the crowd. Self-improvement gives enough confidence to almost everything in life and change the ?impossible? to ?possible.? Self-improvement allows us to achieve our goals, ambitions and dreams />
Self Help

Mutual aid is an important tool for the means and tricks to find some problems yourself. There is an ability to think and rethink a person until it is certain that the correct solution to a problem. Our minds are constantly working on how we grow and find the most effective way to obtain the first position in the specific field. Mutual aid is a way to invent the most effective ways to solve problems and concerns that arise in the mind. Sometimes it is to research and improve the development of the healthy population around us, our environment and at ease. In this way, not only help them move forward in their lives, but also contributes to a positive environment all the time.

Ways to Self Help

The most important first self-help is to make the milestones you achieve in life to understand. Awareness of the benefits would help the mind to start thinking to produce effective results. Motivation is an essential part of self-help programs. Motivation alone can take you to the top. Try increasing your confidence in their own exploration in areas released. Building self-awareness will help eliminate the causes of your happiness and success. Focus more on your goals and try again until you reach these milestones. This would not only improve your overall performance, but also from the stress and anxiety. Self-help and self-improvement is certainly the most important characteristics for a happy life.

Source: http://prelco.net/mental-health/assistance-and-self-improvement/

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Exceptional Customer Service: Growing Your Business | Fortress ...

Every business claims to provide exceptional service to every customer, every time. But what does this mean? Is there a difference between simple good manners and customer service that grows your business? It's certainly important to smile and be ethical, but your business depends on expanding these basic concepts and applying them in nuanced ways. Exceptional customer service anticipates what owners and residents want so they don?t simply leave your office with a good feeling?they leave with the incentive to come back. Here are some customer service best practices that every property manager can apply:

1. Listen to what your customers say. All customers aren?t the same. Listen, ask a few thoughtful questions and customize your response. Not only will you learn something new, your customers will feel more connected and loyal to you.

2. Make personal connections. This can be hard when you have a lot of customers, but you can do it. It doesn?t take much. Send handwritten thank you notes. Acknowledge birthdays, weddings, or graduations. Remember names and faces.

3. Be uncommonly responsive. Everyone responds to queries, but not everyone does it within hours. Even if it?s just an acknowledgement that you got the message and will call back shortly, your clients will greatly appreciate the response.

4. Set expectations and follow through. Keep your word. Deliver owner statements on the day you promised. Tell owners how you?ll market their properties, then provide examples. When you schedule a contractor for a tenant?s unit, make sure they get there. If they don?t, explain why.

5. Place customers at the center of your business. There?s only one way to do this: ask your customers! Check in with a few of them once a month and ask what you should be doing to keep them. Then find a way to do it. This way you don?t just react to them; you build your business around them.

Remember, service isn?t a compliment to selling. Service sells. Saying ?please? and ?thank you? is necessary, but not enough: find ways to stand out from the crowd every day.

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Source: http://www.respage.com/blog/fortress/fortress-property-management/2011/10/exceptional-customer-service-growing-your-business/

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US futures fall ahead of Bernanke testimony

FILE - In this Oct. 3, 2011 file photo, traders work on the floor at the New York Stock Exchange. Stocks slid again Tuesday, Oct. 4, as Europe's debt crisis showed few signs of being solved any time soon and officials said Greece will have to wait until November to get its hands on much-needed bailout cash.(AP Photo/Seth Wenig, File)

FILE - In this Oct. 3, 2011 file photo, traders work on the floor at the New York Stock Exchange. Stocks slid again Tuesday, Oct. 4, as Europe's debt crisis showed few signs of being solved any time soon and officials said Greece will have to wait until November to get its hands on much-needed bailout cash.(AP Photo/Seth Wenig, File)

(AP) ? U.S. stock futures are falling sharply ahead of Federal Reserve Chairman Ben Bernanke's testimony before Congress on the outlook for the U.S. economy.

Stocks fell broadly Monday after Greece said it will not be able to make budget cuts it agreed to as part of a deal to receive emergency loans, raising new concerns about Europe's financial system. Monday's declines pushed the benchmark S&P 500 index to the edge of a bear market ? a 20 percent decline from its recent high.

The Commerce Department will release its report on August factory orders at 10 a.m. Eastern.

Two hours before the opening bell, Dow Jones industrial average futures were down 69 points, or 0.7 percent, to 10,460. S&P 500 futures lost 7, or 0.7 percent, to 1,079. Nasdaq 100 futures slid 10, or 0.5 percent, to 2,055.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2011-10-04-US-Wall-Street/id-e6df50646cf748c6a1415ed5ed8addfe

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Google?s New ?Our Mobile Planet? Free Tool Offers A Deep Dive On Smartphone Analysis And Data

Our Mobile Planet-2Google is rolling out a new data and analysis tool, called Our Mobile Planet, which gives anyone access to data and research on smartphone usage. The site features an interactive tool that anyone can use to create custom charts from data from the Google's ?Global Mobile Research: The Smartphone User & The Mobile Marketer? report conducted earlier this year (you can read more about the data here). OurMobilePlanet provides deep dives into consumer search, video, social and email behavior, as well as mobile research and purchase intentions. You can choose from the type of smartphone data you want view, including penetration of consumer adoption of smartphones, behavior (why and how consumers are using these devices), activities (what consumers are doing on smartphones), commerce (purchasing behavior on smartphones) and advertising (consumer engagement with mobile advertising).

Source: http://feedproxy.google.com/~r/Techcrunch/~3/zjljj1CW2A0/

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Invisibility cloak made of carbon nanotubes uses 'mirage effect' to disappear

If the phrase "I solemnly swear I'm up to no good" means anything to you, you'll be happy to know that scientists have come one step closer to a Potter-style "invisibility cloak" so you can use your Marauder's Map to the fullest. With the help of carbon nanotubes, researchers have been able to make objects seem to magically vanish by using the same principle that causes mirages. As anyone who's been especially parched along Route 66 knows, optical illusions occur when heat changes the air's temperature and density, something that forces light to "bend," making us see all sorts of crazy things. Apply the same theory under water using nanotubes -- one molecule carbon coils with super high heat conductivity -- and scientists can make a sheet of the stuff "disappear." Remember, it only works underwater, so get your gillyweed ready and check out the video after the break.

Continue reading Invisibility cloak made of carbon nanotubes uses 'mirage effect' to disappear

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