Tuesday, April 25, 2017

How Do I Save For Education?

The cost of education has risen steadily over the past 20 years. This would include post-secondary education, but also private school and alternative schools. Since the workforce has become so competitive, more education has constantly been touted as the solution to assuring a good paying job. It is a moving target because the world of work is changing rapidly, and a degree of 5 years ago may be obsolete today. Since the cost of education has risen so quickly, the payoff from getting a good education is getting smaller and more risky. Interest on student loans is also getting more expensive simply because it takes longer to pay them off.
What Do You Need?
Given this backdrop, how do you save for an education? This could be for your child or for yourself, since many adults have to go back to school due to job market instability or career change. There are some key points to keep in mind. What kind of education is needed? If you have done your homework, you may find that education may not cost as much as you thought, or you don't need as much schooling as you thought. Education is a very individual thing, so you need to know yourself or your child before you commit a lot of money. Narrow down what you would like to do and then research the alternative ways of obtaining the credentials you would need to get there. There is the option of a university degree, but there are also college courses, trades, designations offered by an association, or volunteer and apprenticeship opportunities for obtaining the credentials. More jobs are requiring a license or certification, so part of the research would be to find out what licenses are available and what is involved in obtaining and maintaining the license. Some occupations have multiple licenses so it would be wise to target the one that works best for your situation.
When Do You Need it?
Timing is very important with education as with most things in life. The longer you can wait, the more options you have with respect to choosing what you want to do and saving for it. The trade off is that the more time you have, the more uncertainty exists because things can change over time. To get the most from education, it has to be easily upgraded and versatile enough to change with the times. It may be a good idea to start with a general course of study and then zero in on something more specific after you have worked in the field and know exactly what you would need to specialize further. If something changes along the way, the general degree is still useful, but the specialty can be changed to suit whatever is needed at the time.
What About the Saving Part?
When it comes to a large purchase, there are some general concepts that are helpful. The larger the purchase, the earlier you should save for it and the more useful it will be to plan what you want to do. The planning will be easier if you know what you want, or you have the flexibility to make changes to the plan and continue to reach your target. There are many vehicles out there to help you save for education. Some of these are discussed below. For trades and apprenticeships, specific research should be done to determine if there are specific programs out there to encourage people to study in these areas.
Scholarships and Student Loans
There are many scholarships, grants and pockets of money available for people who want to go to school. Since the education costs are rising so quickly, these funds are presented as a way to ease the financial burden. There are also possibilities of obtaining student loans. The interest is tax deductible, but debt in general can be expensive and it will accumulate if it is not paid off early. Research is required into scholarships and bursaries as many of them are specific to certain fields and have specific requirements.
RESP
The RESP is typically designed to save for children's education, but it can also be used for adult education. Government grants can be used to add more money than would be available with an RRSP or TFSA. If the money is not used by one of your children, it can be transferred without penalty to another child. It can also be transferred to an RRSP if education is not pursued, but the contribution room has to be available. The accounts can stay open for 36 years, so the good news is that this transfer can take place over time. The money contributed is not taxed, but the income is when withdrawn.
TFSA
The whole idea behind the RESP is to provide savings to pay for your education. So why not use the TFSA for the same thing? The RESP may have an advantage in that there are government grants offered, and you can contribute more money in general. The TFSA has the advantage of being simpler and having fewer restrictions. If you don't go to school, there are no penalties to leaving the money in the account, and no time restrictions as to how long the account can stay open. In terms of investment, you can produce the same returns in an RESP as a TFSA. Returning money back into the TFSA is also less restrictive than an RESP. TFSA money that is withdrawn is also not taxed.
RRSP
What about the RRSP? The RRSP is designed for retirement, so using it for something prior to retirement is generally not considered. The tax implications are different for RRSP withdrawals versus the RESP or TFSA, but given the right situation, it may be more advantageous than going into debt. If you have years with low income because you are in school, this may be a perfect opportunity to withdraw money with a low tax burden. Combining that with tuition and education credits generated from going to school could mean withdrawing money with very low tax rates. If your retirement is taken care of or can be replenished at a later date, this strategy may be worth considering. If you have a spouse with a high income, you may want to consider a spousal RRSP for the spouse to replenish your RRSP and create a tax refund for them. There are tax implications when it is time to withdraw from the spousal RRSP, and this should be considered as well as part of the tax plan.
Tax Credits
If you go to school full time or part time at an institution, you will be able to claim tuition credits and education amounts against federal and provincial taxes. These credits will be paid during study and after graduation, which would be useful if you have generated income once your study is over. These credits can be helpful to reduce the taxes you pay and get back some of the money you have paid for the education. If you borrowed money for schooling, you can also claim interest on the student loans in most cases. These credits can be carried forward indefinitely, which means you can benefit from them whenever you earn income and you will not need to worry about the benefit expiring. Should you get a tax refund as a result of the education expenses, this can be put toward paying part of the student loans generated during your time studying.
What Additional Options Are There for Adults?
If the reason for getting education is for upgrading a career or making a career change, there are other possibilities. You may obtain a basic degree that covers your field of expertise and then negotiate with the employer to study something more specific. This means that the employer may pay for some or all of the education expenses. The advantages of this are that you get to keep your job, and some of the expenses will be covered for you. This method can also be used for designations since a designation adds credibility for the employer. If you are considering asking your employer to do this, remember that they will do it as far as it benefits the company and its image. If you are being recruited for a new position and you are a prize candidate, you may want to add education as a benefit for taking on a new position. Employers may tell you that there is not enough money in the budget for your education, but this can always change if the value can be demonstrated to them with numbers.
If you are currently working, choose to study designations that can be done while you work to minimize time off work, financial stress and career disruption. This also enhances your profile as an employee and may lead to some help in terms of money or more study time. The downside is that studying while you work is time consuming and may take away from other aspects of your life.
Networking is always touted as a way to get to unadvertised jobs. Networking is also useful in obtaining information in all other career areas. If you are thinking of obtaining a designation or studying a course, find someone in your company or in a similar company who has done it recently and find out what their experience was. This would include time spent, resources allocated to them, or promotional opportunities. If they negotiated funds to help pay for their education, ask them how they did it and what issues came up. If you don't know which degree or course would be most beneficial, this can also be researched. People who you network with can also provide help with studying or obtaining resources.
In some cases, it may not be worthwhile to study further because the costs outweigh the benefits. It can also be true that some avenues of study have a good chance of being worthwhile, and some other avenues have a high probability of not being worthwhile. Also, a decision that was wise 10 years ago may not be useful today due to employment paying much less in a particular field, or competition becoming much more intense as to not make it worthwhile to work there. Coming back to the first paragraphs, knowing your goals and what you want to achieve will be key in determining what decisions should be made.
Do you want to: Learn how the world of money really works without the need of a time consuming or expensive course of study Discuss what you want to achieve according to your horizon Restructuring your finances to achieve your goals Advice that is not affiliated with any institution or any product - an independent opinion
If you answered yes to any of these questions, contact me at: Contact me, Joe Barbieri by email at joetheinvestor.today@gmail.com, my web site at http://www.joetheinvestor.ca or by telephone at 647-286-8020 for an independent consultation on what your options are. Note: This article is intended for people who want to learn about the world of finance and how to research for themselves. If you would like to buy or sell investment products, or specific advice on investment products, tax or legal issues, please consult your investment advisor, accountant or legal counsel.

The Future of Manufacturing Education

What is CAD/CAM Software?
Computer Aided Design. In reference to software, it is the means of designing and creating geometry and models that can be used in the process of product manufacturing. Computer Aided Manufacturing. In reference to software, it is the means of processing a designed part model, creating machine toolpath for its various components and creating an NC program that is then sent to a CNC Machine tool to be made.
The purpose of CAD-CAM is to automate CNC programming and allow innovators, designers and cnc businesses to manufacture products, bringing them to market faster and more profitably than ever before. It is the concept of producing goods faster and for less.
Manufacturers of The Future
In 2013 and beyond, thousands of students in North America alone are currently planning to enter careers in Manufacturing. From Advanced Mechanical Design, Fabrication, Aerospace Engineering and Aircraft Manufacturing to Industrial Engineering, Automotive and CNC Machining, these students will be the future of Manufacturing moving forward. They will be the innovators, the creators and architects that will design and make all of the products we use on a daily basis. As design and manufacturing technology advances, so does the look and usability of the products we buy and use. Costs are driven down and the speed in which products are brought to market increases. This means that we can buy products from dishwashers to cell phones cheaper while enjoying a broader selection to choose from.
While software providers are constantly moving forward in the development of CAD/CAM software, adding new automation and making it more intuitive than the last software revisions, you will agree that there needs to be a swiftly moving system of keeping these students on par with the cutting edge of CNC automation. Thus ensuring their survival once they land in shops and manufacturing businesses around the world.
Here are some of the real-world challenges that educators and schools face when including manufacturing CAD/CAM technology in their curriculums.
Focused Manufacturing Curriculums
A common challenge for CAD/CAM in Education has to do with the type of applications or even industries being taught along with the curriculum segments revolving around software as it relates to that specific industry or application. In 2008 a panel of manufacturing and business professionals were interviewed by O & P.com, an online resource for Orthotics and Prosthetics companies. The interviews focused on CAD/CAM software in education and the results were surprising. These business professionals really felt that there was a serious lack of professional training available in the area of CAD design and CAM machining technology.
Some of them had even gone so far as to provide seminars on the subject at schools and universities in an effort to get educators more involved in the subject so that there would be some support for the industry moving forward. It makes sense. Even now in 2013 there is no CAD/CAM software product that caters to the design and manufacturing of prosthetics as an example. The closest form of CAD/CAM for a specific application would be special dental prosthetic products that cater to the dental industry. But what about the rest? Software is used for CNC automation in just about every available type of application today without schools having to find custom-specific application type systems.
The solution has to be available where CAD/CAM providers work directly with the educator, teacher or school to develop curriculums that deal with specific applications in order to tune down the product and be more application focused. While many CAD/CAM providers will help, education still suffers because of budgets and the high price of implementing software for such cases.
Educational Budget Cuts
Many states are currently looking at budget cuts for fiscal years 2014 and 2015 that will drop higher education budgets below 2008/2009 levels. The dollar amount spent per student in 2013 is down by more than half in over 50% of the US. In fact, 26 states will spend less per student in fiscal year 2013 than the year before and 35 are still spending at levels lower than before the recession, after adjusting for inflation. The truth is, we are going nowhere fast when it comes to financially investing in the manufacturers of our future. The solution is for CAD/CAM providers to change the way they think when it comes to supplying education with cutting edge cnc machining software products. We have to be smarter and make technology software implementation easier for schools at all levels than ever before. Many providers offer educational discounts, yet the costs are still well out of range. Not only this but what about the student that graduates and enters the workforce? If the student was trained on a $15,000-$20,000 CNC Programming system, how are they going to take a seat with them to their new employer? CNC Software for milling, turning, routing, water jet, plasma or laser can cost a substantial amount of money. There must be a solution to make NC programming technology more accessible to graduating students.
Keeping Curriculums Fresh
Another challenge for educators focuses on existing curriculums having to be continuously updated and modified in order to keep them current with manufacturing technology as it is developed moving forward. Again, CAD/CAM providers must have programs in place which not only address educational implementation, but that allow educators to keep them updated on the fly. Ultimately, teachers need an abundant volume of resources available to them, preferably online and accessible by mobile devices. This includes tiered tutorials, corresponding and example CAD Part Files, videos, knowledge based support, help files, Machine Post Processors and all other product support and training resource that empowers the teacher. Educator support should also be a phone call away. Educators that have existing curriculums should be able to easily adapt what they have to include CAD/CAM. This way implementation is simple and saves a lot of time.
The Solution
Going into 2014 the manufacturing industry is experiencing more growth.  This means that the demand for CAD-CAM software will be higher.  As will the need for CNC programmers that understand and know how to machine with software.  This is exactly why a "Manufacturers of The Future" program is needed for education.  A program that supports schools, teachers and ultimately the students.  Thus, ensuring that these students will have the software they were educated on before they begin their new journey into the manufacturing workforce.
Schools & Teachers
A"Manufacturers of The Future" program is a solution for schools and teachers at all levels that prepares students for CNC manufacturing because it addresses the challenges that today's schools and educators face when it comes to implementation, curriculums and plain old affordability when they are already working with tight budgets. A successful program for supporting education would include the following:
  • Makes individual and multi-station lab licenses very affordable
  • Access to 2, 3, 4 and 5 axis cad-cam cnc software
  • Provides no-cost Technical Support and Training Solutions to teachers
  • Regularly updates training material to add resources
  • Provides cnc machine post processors
  • Keeps educators informed and successful
From access to online knowledge based cad-cam support portals to multi-level software tutorials, training video products and specialized one-on-one training, educators need this level of support.
Students
With a Manufacturers of The Future "Work Ready" campaign, students receive the support they need in low cost professional cad-cam software versions so that they are ready and are more valuable as they start working in manufacturing.
  • "Work Ready" allows graduating students their software at reduced costs
  • Available multimedia training solutions that they can take with them
  • Continued Education & Advanced Online Operator Certification
These three items are critical for success. Students can achieve more in their professions with them. As a student or teacher there are solutions that exist to help teach and educate manufacturing students. A Manufacturers of The Future and a Work Ready type program created and provided by CAD-CAM vendors that get together to provide a dynamic multi-level support system that accommodates all levels of CAD/CAM products will be phenamenal. This would be the most productive and helpful method possible.  Who will step up and answer the call?  These are exciting times for education and the future of manufacturing.
BobCAD-CAM specializes in helping schools and teachers integrate CNC Manufacturing Automation Technology into their curriculum. BobCAD-CAM offers schools and teachers a "Manufacturers of The Future" campaign to provide education with the best possible CAD-CAM products and solutions including training products and certifications. For more information on the Manufacturers of The Future program for schools, teachers and students you can contact BobCAD-CAM directly at 877-262-2231 or 727-442-3554. Ask about the Student "Work-Ready" program when you call. Visit the Manufacturers of The Future Online at http://bobcad.com/industries/education/

The Church's Extinction Science

Many loving and caring people within the Christian church devote their lives in the struggle to develop scientific medical knowledge for the benefit of the human condition. However, most Christians are unaware that President Thomas Jefferson, wrote that Jesus Christ was the greatest teacher of the 3rd Century BC atomic 'Science of Universal Love', taught at the Ho Kepos University in ancient Athens. That science was about the invisible world of atoms, in which sacred geometry held an evolving ethical purpose, within an infinite spiritual reality. The teachers of that science were called saviours, dedicated to the ideal of evolving spiritual virtues, in particular the emotion of compassion. From that perspective, the term, to have faith and all will be revealed, was about formulating spiritual (now holographical) equations and solving for an unknown, a value in algebra which is referred to as X.
Whether Jefferson was correct or not, is immaterial. From that particular scientific point of view, the ancient 'Science of Universal Love' can be considered to be a Christian legacy, linking mathematics to a science of infinite ethical purpose, in praise of a Creator God-like force belonging to gravity.
The Roman Christian Church in 1600 burnt alive the scientist Giodano Bruno for teaching the 'Science of universal Love' in England, however, that science has been found to be compatible with 21st Century quantum biology. The workings of the molecule of emotion evolves compassion by employing an infinite fractal logic to generate its development within the workings of an evolving brain/mind. Because of the Church's past fear and hatred of that science, infinite fractal logic is forbidden to be part of the living process. As a result, quantum mechanics in the 20th Century, sentenced all life to extinction under the law governing universal entropic logic. In ancient Greece this action of the Church would have been seen as worshipping the god of (entropic) chaos, Diabolis, the Devil.
Quantum mechanics only obeys the universal heat death law, which forbids reasoning about the living process belonging to the discovery of infinite fractal logic. These concepts were once the domain of spiritual sacred geometry belonging to the evolution of the immortal soul. Nanotechnology, used to examine the workings of the molecule of emotion, reveals that intuitive infinite fractal logic is part of an evolutionary process. This process is toward existence within a futuristic holographic state of reality. Severe carcinogenic trauma is created by suppressing this natural function in order to uphold the existing entropic enslavement belonging to global economic rationalism, an entropic concept tolerated by the Church..
Not one mathematical medical equation is tolerated by mainstream science, if it links infinite fractal logic to any natural healthy evolutionary process. Rushkoff's book 'Present Shock' announces the arrival of Toffler's 'Future Shock',emanating from our enslavement to a super industrialised culture. The new book is about the mental trauma created by our being overwhelmed by entropic information, that is now rapidly destroying our civilisation.
The reader can easily find out for themselves that Sir Isaac Newton's gravitational causes have been classified, in the name of the Christian religion, as the writings of a criminally insane mind. This is such a serious issue that the reader should spend time to check it out on the internet, then wonder why he, or she, has been taught that Newton's world-view was about the workings of mechanical universe. By reading Newton's 28th Query Discussions, they will learn that the very opposite is true. People have been adversely influenced by the Church for centuries. The nonsense myth about an apple falling on Newton's head to explain gravity, is common to school children throughout the entire industrialised world, leading to what Newton called an absurd pretentious science.
Quantum biology demonstrates that it is not natural to blindly accept that humanity is destined only for extinction and that people must grovel in scientific ignorance to church dogma in order to avoid it. Humans are a carbon life form and the neg-entropic properties of carbon have been discovered this century to argue otherwise. The church has a long history of criminal activity including three hundred years of condoning the sadistic practice of torturing women and children then burning them alive as witches. This act of terrorism made any medical learning about the healing properties of plants, fungi and various animal substances a forbidden and dangerous occupation.
Currently the Australian Government is conducting a Royal Commission regarding the wide spread sexual abuse of children by the Church and the findings are catastrophic. Considering such historical evidence, now freely available, it can be considered to be a waste of time to discuss with the Christian Church about the ramification of the lost atomic 'Science of Universal Love'. Thomas Jefferson and Sir Isaac Newton were conversant with that science, as being a more profound aspect of early Christian teaching.
As a result of the Christian Church's contamination of science, humanity stands poised on the threshold of an atomic World War lll, with no salvation solution tolerated from within science itself. How many people can even imagine that an act of loving compassion can be measured within the realms of quantum biology? For those who do understand this, what scholarship grants are available to them to come up with the crucial scientific solutions? Harvard University's 2002 awareness of the ethical contribution to the world of the Golden Age of Danish Science is important. That Golden Age embraced how electromagnetic forces were fused into the ancient Greek 'Science of Universal Love'.
© Professor Robert Pope.
The 2009 Telesio Galilei Academy of Science, London Gold Medal Laureate was awarded to the author for his Science-art theories and discoveries. In 2010 his work was embraced by two Italian chemists who were awarded the 2010 Giorgio Napolitano Medal on behalf of the Republic of Italy for their quantum biology discoveries. Their Science-art theories are now part of the internationally recognised 21st Century Renaissance. Further information http://www.science-art.com.au
Several firms have been made of the authors work. They includes one where the electromagnetic motor driving the tail of the sperm to the ovum is morphed into the centriole (derived from Dr Carl Callerman's Purposeful Universe) by the female field generated by the liquid crystal construction of the ovum's membrane. This in turn generates the spheroid bone, electromagnetically programmed to complete Texas University's Dr Richard Merrick's electromagnetic functioning of the brain, derived from the ancient 'Greek Music of the Speres'. This process represents Immanuel Kan'ts Godlike purpose for perpetual peace on earth, as corrected by the philosopher Friedrich Schelling and the theories of the Science-Art Research Centre of Australia.

Science Vs The Fundamentalist Religious Right

There are those religious fundamentalists who claim that all you need to know about science is contained within the Old and the New Testaments of the Bible. Not only is the Bible a religious text, an historical document, but it's a science textbook too chock full of astronomy, geology, meteorology, biology, medicine, etc. And should there ever be a disagreement between nerdy white-coated scientists in jeans and God Almighty's holy word, well it's a no-brainer; no contest - God always wins - in God we trust not nerdy Einstein-types. Any science that undermines your faith in God, etc. is a false science. Real science proves the bona-fides of the Bible.
The fact that such Right Wing Christian fundamentalists say this with a straight face and sincerely (apparently) believe this claptrap is actually a tad frightening. In any other context they appear to be intelligent, articulate, sane and rational beings! But then again, how many people have been taken aback to find out that their wonderful and lovely next door neighbour was a serial killer, kidnapper, paedophile, or a closet white supremacist pseudo-Nazi.
Fundamentalists though in general, when pressed, admit they aren't scientists, but that doesn't stop them from bucketing any science that rubs their personal worldview the wrong way. One common argument is that science is fundamentally limited since it can only explain the natural, whereby supernatural philosophy (i.e. - Right Wing Christianity) explains all. The natural in their opinion or belief is just a minor subset of all things supernatural.
SCIENCE vs. RELIGION
There has been quite a number of various religious vs. scientific issues hotly debated over time.
The Earth is (religion) or is not (science) the centre of the Universe. Science won that issue.
The age of the Earth is less than 10,000 years old (religion); way, way, way more than 10,000 years old (science). Science won that debate too though diehard religious fundamentalists haven't conceded any ground.
Most recently, starting with Charles Darwin in 1859 ("The Origin of Species") down to the Scope's (Monkey) Trial in 1925 and ongoing today is that Homo sapiens were made in God's image (religion) vs. Homo sapiens were the product of natural (Darwinian) selection and evolution from primate ancestors (science). Creationism is pure science; evolution is junk or false science according to the religious right. The names that fundamentalists call evolutionists would make many a blue-water sailor blush!
It's that most recent issue, evolution (science) vs. creationism/intelligent design (religion) that mainly dominates the debate today. You could make a journalistic career just following, covering and reporting on the ever ongoing battles between creationists, educational institutions and authorities, politicians, and scientists over whether science curricula and textbooks should be giving equal space to God and intelligent design vis-à-vis Darwinian evolution.
But intelligent design is absolute nonsense upon reflection. God, the so-called intelligent designer, places the female sex organ sandwiched right between the two waste elimination orifices. That's intelligent? And the male sex organ does double duty sharing a common tube as a liquid waste elimination apparatus. That's intelligent? Speaking of tubes, how often has the food/drink you inputted ended up doing down the wrong tube - the windpipe instead of the oesophageus? Painful, isn't it? It's also potentially lethal - people have choked to death. So, is that intelligent designing in operation?
And if humans are God's personal favourite intelligently designed creatures, why create other creatures and natural scenarios than render that intelligently designed human into a prematurely dead intelligently designed human? I mean if the Godly created bacteria and viruses don't get you, the puffer-fish, scorpion and snake venom might instead, assuming the sharks, lions and tigers don't have you for a midmorning snack first. And if life doesn't end your life, there are tornadoes, earthquakes, lightning bolts, tsunamis, and a whole host of other meteorological, geological and even astronomical phenomena just waiting to put you six feet under. Conclusion: so much for a loving God looking after His favourite intelligently designed flock.
BIBLICAL 'SCIENCE'
But let's go back to the Biblical truth about all things scientific. We all know the standards:
The Bible is literally true; scientifically accurate. Science according to the Bible requires that:
* Life, the universe and everything was created in just six days somewhere roughly around 4004 BCE and any evidence to the contrary of an earth billions of years old (i.e. - radioactive dating; geochronology) is the work of that great deceiver, Satan.
* Adam was created from the dry dust of the earth despite that fact that a human is roughly 70% water.
* Eve was created from Adam's rib which means Eve should have been, genetically speaking, a male.
* There was a universal flood which requires the creation (and later destruction) of an additional and massive inventory of water out of nothing in defiance of conservation laws.
* Noah's Ark carried two (or sometimes more) individuals (male and female) of every (presumably bisexual) species. Okay, that's fine, but that must include the New Zealand flightless kiwi bird; every species of Antarctic penguin; the Australian koala; and the dodo bird of Madagascar. Am I the only one who sees a problem here?
* Some Biblical characters lived in excess of 900 years, but such longevity hasn't been observed in recent post-Biblical times so don't get your expectations up, no matter how religious and God-fearing you happen to be.
* A bush refused to be consumed by fire, an obvious case of the application of high-tech fire retardant in use thousands of years ago.
* The Red Sea parted over a rather lengthy time period in order to allow hundreds of thousands of pedestrians to 'cross with the green' and then un-parted so that another set of pedestrians got run down by trying to cross against the sudden red traffic light. Such a phenomenon has never been witnessed since so a one-off report doesn't have much credibility.
* The sun and moon stood still in the sky and thus for the duration the Earth ceased rotating on its axis.
* Unicorns exist (and no doubt so do Santa Claus, the Easter Bunny and the Tooth Fairy).
* Life actually begins before conception according to Jeremiah 1:5!
* Jonah lived undigested for three days in the belly of a large fish. Jonah must have had on hand an extraordinary supply of antacids in order to prevent being dissolved and turned into or assimilated as fish food.
* Mary reproduced asexually - the virgin birth - which means Jesus should have been born a woman, again, genetically speaking.
* Jesus walked on water in defiance of gravity. Newton and Einstein are not amused at this parlour trick!
* Loaves and (dead) fishes multiplied - the creation of something from nothing yet again.
* Presumably the lion will lie down with the lamb (and also presumably if the lion isn't hungry).
* There were resurrections (life after death). That's no big deal any longer in this modern age of medical 'miracles'.
IN ADDITION
The Earth is the centre of the Universe (or firmament) and the Sun goes around the Earth and that religious point of view got lots of people who suggested otherwise into lots of trouble.
Scientists can't determine the age of the Earth, nor can they determine what the origin of life was, for the extremely simple reason that they weren't Johnny-on-the-spot and therefore actually present at the exact time and place of the happening.
Homosexuality/lesbianism is a free-will choice and has nothing to do with genetics or biochemistry or neurochemistry. You aren't born gay any more than you're born an astronomer or a criminal. Homosexuality is encouraged by the powers-that-be as a ways and means of population control. Satan also inspires and encourages homosexuality to cause the participants to be in direct disobedience and in defiance to God and God's laws. Further, there are clear connections between homosexuality and paedophilia and bestiality, etc.
Fossils are a deliberate deception by Satan; or a deliberate deception by God in order to test your faith; or proof of that universal flood - take your pick.
Non-avian dinosaurs and human beings coexisted, religious fundamentalists citing fossil dinosaur and human footprints check-by-jowl embedded into rocks (in Texas). Dinosaurs were therefore on Noah's Ark (which means Noah's Ark had to have been just a tad larger than the Bible says it was).
There was no evolution by natural selection, just intelligent design and creationism by a Creator God. God created all species as is. Humans did not evolve from apes. Teaching and accepting evolution is apparently an evil Jewish plot according to some! Further, evolutionists support abortion, gay marriage and stem cell research.
There are no 'natural' disasters only acts of God (as in displays of God's wrath). It's been claimed by those Right Wing religious fundamentalist types that whenever God is pissed off, He sends His wrath via a 'natural' disaster. So, any tornado or hurricane or blizzard or earthquake or wildfire, etc. isn't really 'natural', rather its an Act of God's punishment. However, it's rather amazing that tornados tend to happen in roughly the same areas at roughly the same time of year; ditto hurricanes; ditto blizzards; ditto wildfires; ditto floods. You don't tend to get massive earthquakes other than in well known fault zones and thus earthquake prone areas. You don't get volcanoes erupting in areas not known to be tectonically active. Now if 'natural' disasters were really Acts of God, you might expect God to produce the occasional blizzard in Southern California in July; or how about 40 straight days and nights of rain in Death Valley; New York City becoming ground zero for a massive earthquake or volcanic eruption; a tornado outbreak in Alaska in January; or wildfires in areas of high rainfall and high humidity. If 'natural' disasters are Acts of God, why doesn't God have an asteroid striking Chicago or a comet spanking Las Vegas or for that matter institute a massive solar flare or coronal mass ejection to blanket the entire US of A? Even more central, why does God have to hide behind Mother Nature's skirts in the first damn place? Why doesn't God take a leaf out of His earlier wrath-filled up-yours and smite the first born?
Environmentalism (i.e. - the Green Dragon) is out to destroy Christianity, destroy America and replace it with fascist tyranny! In fact, the ultimate objective of environmentalists is to kill off 95% of humanity! After all, didn't God say to humanity to "be fruitful and multiply" and subdue the earth and take dominion over the earth (and basically rape and pillage - Genesis 1:28) which has any greenie spitting chips!
Stem cell research is equivalent to Nazism.
We're well aware that some fundamentalists reject vaccinations and blood transfusions and will allow their child to die rather than allow any medical procedures that they see as ungodly and against Biblical teachings.
Anything fundamentalists don't like, like say birth control, will be linked to anything and everything nasty, like AIDS, and by extension, all disease is caused by sinful activities. In a similar fashion, if you accept any ungodly tenants, like evolution, you are way more prone to be antisocial and of criminal intent. Mass murderers are all Darwinists.
In a variation of 'the enemy of my enemy is my friend', one finds fundamentalist Christians supporting Islamic fundamentalists (otherwise strange bedfellows) since the latter do not accept and undermine Darwinian evolution.
Any normal museum that exhibits anything on physical or cultural anthropology that doesn't reflect and give credit to the Almighty and God's holy word is just asking for trouble.
BUT WAIT, THERE'S MORE!
There's more that you probably didn't know.
According to Bryan Fischer of the American Family Association:
* The laws of thermodynamics are detailed in the Bible although Fischer tends to muddy the waters by mixing up the first and second laws of thermodynamics.
* Jesus is the entity that holds together the nucleus of an atom. [What held the nucleus together before the birth of Christ isn't related by Fischer, assuming there even ever was a supernatural Christ of course.]
* Only God can alter the climate. Humans have nothing to do with any global warming. Global warming is pure junk science. Further, God created fossil fuels for the benefit of mankind and so to refuse to use them (in favour of renewable sources like wind or solar energy) is an insult to God. Trying to prevent climate change is anti-Christian.
If you have a spare couple of weeks, tune into the Right Wing Watch (RWW) website, or his videos on YouTube for tons more of Bryan Fischer's fundamentalist philosophy.

Technology Topics for Think Tanks and Radio Responses for Listeners Debated

Welcome radio listeners and online article readers. In fact, welcome everyone not only to this program but also to the future. Technology is changing the way we live each and every day in very profound ways. It is also constantly rearranging the free-market with disruptive technologies causing challenges for status quo old companies, employment, and it's difficult for the colleges and universities to keep up with this technology, as it seems they are always teaching and training people to do last year's jobs.
Therefore, in the future these folks who have paid $100,000 in student loans may not even be working in those fields where they got their degrees. Statistically that has been the case, but it is going to be even more so in the future. Okay so, that's what this program is about today on this 23rd day of October 2012 - how the future technologies will change everything.
The rules are simple; I talk, you listen. Then after 30 minutes I will open up the phone lines, or if you are reading this article online you may post a comment below. The first topic of the day is;
1.) Google's Dominance and Disruption to the Newspaper Industry
Indeed, I believe it was Larry Page of Google who noted that the newspaper industry's days are numbered. He stated that there won't be newspapers in the future; that is printed words on paper being delivered to your doorstep. He was predicting the death of newspapers, and he did predict when it would happen, he said it could happen in a few years, or perhaps even a decade, but they wouldn't exist in the future. Few could deny what he was saying, and when he made that common a few years ago the newspapers were laying off, merging, or simply going out of business.
Some newspapers have found that they can set up pay walls to make extra money, and perhaps the technology we talk about as tablet computers has at least help them in that regard where people can take their newspaper with them on the go, and read it online for a couple of dollars a month or week. This is worked well for the New York Times, Wall Street Journal, and other well-known and well read newspapers. But it doesn't seem to be working for all the local newspapers, although some who have a stranglehold on their local market are doing okay with pay walls as well.
Then again, why would anyone pay to view a newspaper online when they can go to Google News, surf the news and get information from all over the planet, perhaps even better information, or articles which have been downloaded from the Associated Press into regional newspapers. Often many of these stories we read on the other side of these pay walls is nothing more than regurgitated Associated Press news anyway. Thus, one should ask; why should we pay?
An article on ARS Technica titled; "Brazilian press to Google News: pay up or leave our content alone - Google says being told to pay is like, "taxing a taxi driver for taking tourists to eat." By Megan Geuss on October 21, 2012 was curious. The same thing has been happening in France, and other places and it appears that they are trying to get Google tripped up in copyright law. You must realize that copyright law is different in Europe and perhaps in Brazil and other places. In the United States we have "Fair Use" case law on the books which seems to allow at least a paragraph and reference to a new story.
Google has been quite good at sending traffic based on this "fair use principle" with links to the actual article, that is if you want to read more. Sometimes people don't, and perhaps this is what the Brazilian press is concerned about. People just read the first paragraph, and headline, and then they don't need to read the newspaper, buy the newspaper, or pay to go beyond the pay wall of that organization online. These companies believe it is hurting sales, but in actuality Google is probably helping them much more than it is hurting them. Shouldn't the newspapers all over the world get with the program and get into the 21st century?
The reality is that status quo industries die hard, and they fight to the end using their power to propel their political will onto the market. However, with no innovation everyone is left back in the Stone Age, and that means we may as well be reading our text on chiseled stone, or hard to get parchment paper. The printing press changed the world, and now it is changing again, it's time to get up with the program, and enjoy the trillions of pages online from whatever new source they come from. If these Brazilian newspapers wish to limit what their readers read and be their sole source of information that is rather self-serving.
Further, the mass media has often tried to control the minds of the people, and therefore has absolute control over the politics of the society and civilization. Obviously they don't wish to lose that, and who could blame them, power is addictive. We know that from our own politics, and we certainly know it from human history. There are no differences from what I can see. Of course, one could say that all of this Internet flow of information contains very few gems, and much of it is just a barrage of information pollution. Speaking of pollution let's switch gears and talk about real pollution and some new technologies for moment shall we?
2.) Better Local Pollution Emissions Technology
Recently, the AQMD in Southern California had complained that pollution levels had increased. But where was all this pollution coming from? Well, it was coming from a number of sources, different types of pollution interacting. Some of that, 1% of the pollution in the atmosphere in California has blown across the entire Pacific ocean from China. China says it isn't their pollution because they are making products to send to America, therefore it is actually America's pollution, therefore the United States shouldn't complain.
Indeed, China is using coal-fired plants to generate electricity often without the clean coal technology which they now have available to them if they wish to buy it from Germany, or in some cases they've already copied it and installed themselves. You have to love the Chinese when it comes to proprietary information, they don't seem to have any ethical knowledge of how that works, perhaps because their society went for thousands of years copying each other, and they assume that if you were a friend, or a fellow farmer you would share your secrets and cultivation technology with them.
Indeed, during the Communist periods they also shared technology, and they didn't have patent law or intellectual property rights. Their culture is much different this regard and it's been difficult for them to grasp this concept, but then again there are also companies which know the rules, but flagrantly violate them to turn a huge profit. Now then, back to the pollution problem in Southern California. It was also noted by the University of Riverside that much of the pollution in the LA basin was coming from not only the aircraft at the airport at LAX, but also from the ships bringing products into port Los Angeles and Long Beach port.
These giant cargo ships would get in long lines bringing, and while waiting in line idle their smoky and sooty diesel engines, waiting to unload their containers from Asia, mostly China. Those big diesel engines do not have pollution control devices on them like our modern day trucks and automobiles. They spew pollution into the atmosphere and during those foggy days it would combine with water vapor and other pollution caused by local surface transportation, refineries, and factories. These combinations make a wicked ugly looking atmosphere blocking out the beautiful blue sky. To top it off, the trains which are often able to allow for more pollution (old rules for rail) would pick up those containers and take them across the country. Because many of these cargo ships could not get through the Panama Canal as they are so large, they drop off the containers and then they go by rail the rest of the country.
Containers going locally in California or nearby states will often jump on intermodal trucks for some of the distance, and those trucks add traffic to our freeways and smog to the atmosphere as well. Now then, Gizmag had an interesting article; "New software improves measurement of greenhouse gas emissions," by Antonio Pasolini published on October 22, 2012. These new technologies along with the software can help us know where the smog is actually coming from. My question is what happens when the EPA gets a hold of this, and starts going after specific companies, and industries with this new knowledge?
It's not that we don't wish to reduce pollution, no one wishes to breathe dirty air, but this will throw new rules and regulations and rather staunch enforcement on industries which previously haven't had to deal with it. One could say they've been polluting all long, it's time they stop. Surely, but if we clamp down on them too quickly, we will disrupt the supply chain, raise consumer prices, and have to deal with increased wholesale inflation on everything that we buy. So this technology helps us understand our environment and the actual emissions into the atmosphere from human activity, but it is also quite disruptive because the regulatory authority, specifically the EPA knows no bounds.
Of course, then we will get into issues with union lobbyists, and big companies who do not wish to comply with onerous EPA rules and they will tell everyone that if the EPA doesn't knock it off, they will lay off workers. That could hurt the economy as well, and therefore they may go after little companies rather than the big companies, therefore creating barriers to entry in various industries, or the EPA could require new pollution control devices which would be too expensive for small businesses, therefore the larger businesses will survive, and the small businesses which provide competition creating lower prices for consumers will go the way side.
Indeed everything is interrelated, the advection fog that we see during the "June Gloom" off the coast of California, that fog mixes with the pollution and it heats up in a temperature inversion challenge in the LA basin. Throw in a few X-flares and solar maximum with increased temperatures, and now we've got the pot cooking exacerbating the pollution problem. Speaking of X-flares they probably affect much more than we might realize. So let's talk about that for a moment shall we?
3.) X-Flares Occurring and Days of Rage Considered
Not only do solar flares and the solar maximum cause faster polar ice melt issues and change the mixtures and re-combinations of pollution while causing temperature inversions carrying that pollutions higher and thus, across a greater region, but some surmise that it also effects human behavior, at least social scientists have been attempting to study these correlations although the data is hard to get ahold of and we are learning more and more each year about such anomalies, or even inverse relations to solar flares.
On October 23, 2012 there was an X-1 class solar flare, which will affect the upper atmosphere during daylight hours over Asia and Australia. It would indeed be interesting to see if things heat up there in those regions with regards to minor civil unrest, increase in crime, or greater tensions over the territorial waters off the coast of China. We might find some interesting things in the news if we were to put the puzzle pieces together? And what of the Middle East during solar flare events - as in what happens when the Arab Spring, or fall fighting season corresponds to already overblown tensions plus the proverbial religious holidays of either side while solar flares are occurring?
Want to check the record and recent history and get back to me on that one? The reason I ask is; I was talking to someone from Washington state up in the Seattle area, a social worker, who indicated to me that her large caseload allowed her to see the differences of when her clientele had fits of anger, or challenges with their behavior. I met her in the Starbucks, and she proposed that my hypothesis was real, and she convinced herself of that fact. I don't believe we have enough empirical data or evidence to prove it, but I think more research is needed. Oh, and speaking of Starbucks and having conversations I think the world has changed a little bit and let me tell you why;
4.) Are Tablet Sales Helping Retail Sales at Starbucks?
It seems to me that more people come into Starbucks and they are busy playing on their iPhone, Android, or tablet computer. They are reading the news and minding their own business almost as if they are ignoring everyone else in the place. It used to be that people went to coffee shops to have a dialogue or discussion, or get social interaction. Today people are going and sitting down, plugging into the free outlet and using the free Wi-Fi. They don't seem to be doing a lot of talking, albeit some of them get on their cell phones and disrupt everyone else.
So, is Starbucks the new place to go now not to have an intellectual discussion, but rather to use your personal tech devices so you don't have to sit at home and you can be on the go? In other words, is it a destination point other than where you live to get out of the house and use your personal technology? Is that helping Starbucks sales? It could be, and they seem to be catering to that crowd, although they are catering to anyone who comes in to buy for dollar cup of coffee I suppose.
Indeed, I don't think it is hurting sales, although it is difficult these days to get a decent conversation, thus, it may be limiting some of those folks from coming in as often, but then again many people are addicted to caffeine so they are going to go there and sit amongst the people with their tablet computers, perhaps sharing information with them in real-time. I've seen that happen too, where the debates and discussions are done in real time. Where someone will say; "did you hear about" such and such, and the other person will say; "yes" because they just got a news alert themselves.
Maybe these tablets are becoming a muse for coffee shop discourse? What I'm saying is this, technology is often disruptive and it changes the way we think, and live our lives. Have you ever wondered what will happen when 3-D printers are in every home? Let's discuss that.
5.) 3-D Printers May Change Our Home Lives
Well, why go shopping at the store if you can buy the material you need, and merely print your furniture, silverware, cups, plates, houseplant pots, figurines, and other home decorations? Perhaps tools for the garage, picture frames, and all sorts of other things. That would be my guess, and I believe that's happening in the future. Once you print something, depending on the type of material you use you may need to heat it up in an oven, or zap it in the microwave to get the material to fully fuse together, and harden the material so it never falls apart.
Does this mean people will be buying larger microwaves, and request larger ovens in their home? Will this spur on more home appliance sales for General Electric and other appliance makers? That would be my guess, and I wonder if Hewlett-Packard understands that future as well? Maybe they may have six-in-one printers instead of five-in-one (printer, fax, scanner, etc.) for the future? Likewise, the quality of 3-D printer you buy will determine the quality of the product you produce when you order the electronic file with the CADCAM design of exactly what you want.
Indeed, people will be able to tell if you created the object using a high-quality 3-D printer, or some cheap knockoff brand. Let's say a figurine might be judged by its quality and by its attention to detail. That doesn't mean you couldn't take and X-Acto knife before you harden it to ensure the details are pristine. You may even decide to paint the figurine thus, painting over any flaws. Then you will throw it in the oven, before you put it on display in your home. Does this mean that hobby craft supplies may be a nice place to invest, or will it too be a victim of 3-D printing where people print those supplies as well?
In any case, because of this issue of quality and detail we may have more of our citizenry going for quality rather than quantity. Okay so, which manufactures will be hurt by 3-D printing in the future? It could cause a terrible challenge for the transportation industry because they will no longer be shipping products, and it could hurt the commercial real estate industry because big box retailers will not need to display items anymore, everyone will order it online, even use holographic displays to see the item before they order the file to print it at home.
China could be the big loser in this because they do so much in-country manufacturing. It could cause 100 million people to lose their jobs in China for instance. That could be enough to economically implode the country, causing an overthrow of the government. Sure, that is a speculative theory, but not so out of whack considering human history you see.
What about auto parts manufacturers? Many of those jobs have moved to Mexico from the United States, and we have a tremendous number of knockoff automotive parts being produced in China. This does an end run on China and the intellectual property and patents theft, which one could say is poetic justice, but we will be hurt here at home too. We make parts for all sorts of things; cars, trucks, airplanes, medical devices, hardware, and you name it. That will surely hurt manufacturing jobs.
Of course, it will spawn a new industry of 3-D printing material, and it really already has. There are several companies that think they have a lockdown on what type of material will be used in future, but I assure you that as these 3-D printers get better, and we get better at manipulating molecular assembly, and assimilation, that those pioneers of these 3-D printing materials will have to stay up with the game, or relinquish their market share to future innovation.
Now then, if folks are shopping less at retail stores, that will affect the retail industry as well, but people might also be driving less, therefore cutting down on the amount of fuel that that use. Still, this means that sales tax revenue for the cities, counties, and states will decline because they will be buying less fuel, and fewer things in the retail store. Also, you can expect that those items that they print in their own home will cost less than if they purchase them in a store, because the store has the supply chain which also adds to the cost of the product. Therefore all the things that they print will in fact be cheaper for that consumer. Lower costs mean lower sales tax revenue as a percentage.
Further, it is the materials which are sold in bulk where the consumer will be spending the most money, just as now people can almost get a free printer, but the big money is made in the price of the ink they have to buy to keep it recharged, just look at the prior decade of HP earnings as they are broken down in their annual shareholder's reports.
What I'm saying is this will be a paradigm shift and affect every industry all at once. If you think that future isn't coming, believe me it's already in the pipeline and we already have 3-D printers in many high schools throughout the nation. Students are getting the idea of exactly what this technology can do for the future, and they are creating new applications for it.
Anyone who stops and thinks about it can see how it will affect whatever industry they are in - just think of the construction industry. If you need more nails, you don't have to go down to the hardware store, you just make them on the job site. A plumber would not need to bring any pipes on his truck, all he'd need to do is take his portable 3-D printer, and do a 3-D scan of the pipe fitting that broke, and then print it and use it, job done, here's your bill. No need to run to the hardware store to buy a part, and then come back later. He will be much more efficient.
Each entrepreneur in every single industry will consider what they need, and how they can use a 3-D printer to solve those problems. Once the technology exists, and it is workable, it will be everywhere. Humans seem to love things, they collect trinkets, objects, and they display them in their homes and domiciles. That is human nature. That is how human culture has evolved in society. It hardly matters which civilization you go to, they all have their knickknacks, statues, and artwork for display. Now they can display it all to their heart's content.
There will be even greater abundance of choices. Perhaps people's homes will become almost like museums of their own interests. Someone who likes aviation might have every model of every airplane ever built all over their home. Maybe this will replace bookshelves because books are all going to be electronic. Perhaps you have friends like I do who collect things. Once they get a hold of a catalog, or go online and see what's available, they will be printing away like mad. Indeed I bet the professional psychiatry and psychology associations will come up with new mental addiction disorders to explain all this - it's much like hoarding in a way - and we've all seen those crazy TV show examples.
That wouldn't surprise me at all, nor should it surprise you. After all, we now realize that people get addicted to video games, and that our personal technologies are causing a lack of attention. Modern technology causes such things, and we should be ready for the next wave of 3-D printing challenges on our society and civilization. Perhaps all this is nothing more than the modern version of cave paintings. So, has mankind really changed all that much?
Many folks claim that people are too materialistic in our modern society, sure that's true enough - these same folks will tell us that consumerism has ruined society, okay maybe to some extent that too might be the case, still, when 3-D printers are in every home, let's just see what all those detractors of human innate characteristics happen to say when they themselves start printing away!
Tell you what, why not walk around your home for 15-minutes - right now and start writing down all the things you see, the smaller items perhaps under 2-foot by 2-foot. If you will note your home is filled with such items, just look in your kitchen, living room, home office, bedroom, and your bathrooms. See what I mean. Nearly all of it could be 3-D printed. Plus, if you don't like something, let's say that ugly cable TV box, you could order the e-design for a façade cover, one which let in airflow, but one which would allow that cable box to become a nice shape of something you like instead, or the base for an object.
Maybe you like model sailing ships from the Spanish Armada? Your cable TV box becomes the base of the model ship which covers up the ugly design and hides it in an art form for instance. Please realize I just made this up, but it could be whatever you want. Use your creativity, maybe you could become a designer and find folks willing to buy your designs for common things like this online and you receive a royalty from the online catalog.

50 Information Technology (IT) Trends To Watch

Once upon a time technical discoveries were magical things that mesmerized us. Gradually we became accustomed to the technical wonders as they were integrated into our daily lives. 21st century has seen both the unprecedented development of technology, especially the "Information Technology (IT)" and our dependence on the same. In the IT age, technology is making our lives simpler by handling the complexities for us, up to the extent that its unavailability or a disruption in the services that it provides could adversely affect almost everything from the businesses to our day to day lives.
It is an accepted fact that the speed of technological changes is an accelerated motion. This article enlists some of the important trends in the IT world that are already visible or are forecasted to be on their way.
Human (inter)face for the technology
Technology penetration is happening fast from the business to the households to the personal lives of the human beings. This irrevocable dependency of human beings on the technology will have the most profound impact over the future of the technology. Technology will be solving the human problems, business problems just being a part of the bigger picture.
1. Technology will become indispensable even for carrying out day to day activities ranging from office communication to opening a window (of your home of course)
2. User Experience facilitated by the products, implementation of how human beings see at a problem and the technology as a mechanism for solving it, will be the factor deciding what sells and what not
3. People instead of the businesses will be the largest technology consumers and success of any new enterprise will depend upon how well it taps into this consumer base
4. Cost of the failure for the technology will become unimaginable due to its direct impact over the human lives, this will add an additional dimension to the security and safety concerns for the technology developers
5. Boundary between the technical and non-technical aspects of our lives will fade away, everything will have a technical underpinning, explicit or implicit
6. Innovation (and so the people- the knowledge workers) will keep the center stage
7. Transition from a nice to have feature to an implicit expectation will be accelerated by many folds
Social networking for the social animals
Statistics show that out of the 7 billion people on the earth, over 1.2 billion are Social Networking Users that comprises 82% of the online population. These figures are going to increase exponentially in the coming future.
8. Companies will need to remove constraints on the social technologies as the boundaries among employees, vendors, and customers will blur, all will need to communicate through the channel of the social network
9. Social Network Analysis (SNA) will be a prominent tool for the businesses and will provide valuable input to their strategy, marketing, customer segmentation, advertising etc.
10. Social Networking will provide a platform for a never seen before collaboration among the experts for solving the problems across the boundaries of their organization
11. Taken the benefits of the Social Networks it will be a challenge to manage the threat it poses for the security and privacy, and technology will need to handle this challenge
Big data growing bigger
According to an estimate the Big Data is worth $100 billion business and is growing twice as fast as the software business as a whole.
12. More and more new tools that support Big Data will come
13. Most of the businesses in the need of amassing and analyzing more and more of the data will need to rethink their data management strategy and approaches
14. Existing database management systems will either evolve to handle the big data or eventually fade away
Mobility on the move
As per an estimate more than 75% population in the world do have access to a mobile phone. Increasing computing power and decreasing hardware cost will ensure that very soon everyone on the globe have access to a mobile phone and most of them migrate to smart phones and are connected.
15. Smart devices will become sort of magic wand that will not only keep us connected and allow capturing and playing audio video contents but will also serve as a tool for communication, handling professional work when on the move, executing business applications, navigation, payment option, sensors, risk alert system, aid devices, training tool... the list is virtually endless
16. There will be a boom of the applications tailored to handheld devices
17. Enterprises will need to make their applications support handheld devices partly or fully
18. There will a never seen before opportunity for the individual developers for reaching out their customers with their own applications (Google - Android App Store already in business and Microsoft launching Windows Store)
19. Different mobile development platform may have to consider standardization
Clouds and clouds everywhere
By 2012, 20% of the businesses will not own IT assets. - Gartner Report, 2010.
As this prediction is on its way to fulfilled and go beyond that, cloud is seen as one of the topmost things that will change the face of computing and IT industry.
20. Online service offerings will become lucrative and competitive
21. As the confidence will built in favor of the cloud, decreasing cost of cloud based implementations (infrastructure or application platform or both) business shunning it (due to security and other reasons) will finally adapt to it
22. Cloud adaptation will force the service providers to find solutions for the challenges that cloud poses:
a. Concerns regarding security for the financial data and personal information
b. Locking their customers to a proprietary technology platform
c. Difficult coexistence with the legacy and proprietary systems
Business models for the future to take shape
As the speed of change in the technology is turning the world topsy-turvy businesses will need to rethink their operations to get in alignment with those changes and harness the opportunities it provides. Business models that are based on the philosophy of "Win-Win" and are agile enough will survive.
23. There will be demand for innovative business models where the customers and the service providers are seen as partners and have combined stakes in the project success, new and innovative business models will be replacing the legacy models fast
24. Legal aspects will get ever complicated and governments will need to formulate laws for handling the new legal challenges
25. IT Budgets will get trimmed, especially in turbulent times without trimming on the SLAs (so the customers will demand more services at a reduced cost)
26. Licensing models based on pay for use will get prominence
27. Multisided business models (where a service is provided to A for free but B is charged for the advertising or trends data etc.) will pick momentum
28. Service providers will offer "Freemium model" where a service is free for certain limit, a usages beyond that is charged
29. Businesses will spread their foothold in non-traditional markets, multinationals reaching to rural areas and smalltime businesses getting global
30. Government will increase usages of the IT for its public service delivery - education, law, transportation, health care etc., once the public service systems are technology enabled applications that integrate with them will have an impact
New SDLC Models to replace existing ones
As an article put it aptly "Agile is the new waterfall", projects will not be able to wait for long delivering a working functionality or implementing a change.
31. Reduced time to market and intense competition will force the businesses to adjust their strategy more often than imagined. This will demand SDLC models that deliver the working products fast. So the iterative project development models will replace the standard waterfall models and its variations. Architecture and development models supporting small chunk deliveries will get prominence
32. Lesser time to market and faster releases will give a competitive advantage
Architecture with No Architecture will get prominence
Factors like Internet, Cloud Computing, Service Integration and Mobility Support etc. will make the application architecture overly complicated. The architecture of the future will be architecture that has no architecture- it can survive as its building blocks keep on changing.
33. Obsession with technology will be diluted and business needs etc. will take the center stage in the Enterprise Architecture
34. Architecture will get only ever complex and distributed... no turning back
35. Changes will be ever faster in the business requirements, technology, interfaces, non functional requirements etc.
36. Concepts like inter-operatibiliy, platform independence etc. will be implicit and so NFR (Non Functional Requirements) will more critical than ever
37. Architecture would need to keep on going as all the elements of architecture - device to network, application UI to data store will change and keep on changing
38. Applications will lack a direct control with the overall architecture elements but still have to be accountable for their piece
39. Context sensitivity on the pieces (is it a notepad or smart phone?) will be important
40. With diminishing maintenance time window and increasing number of interfaces and dependencies, long running batch process will need to be give way to asynchronous processes
41. Various business departments will need to share their business and technology models to create the consolidated picture
42. Trend will be a movement towards using product lines (that are tested, can be scaled, manage the volume, serve the SLAs and so on) rather than developing custom built solutions
43. Senior technical representation will be prevalent in the higher management
Geography will become irrelevant
According to a 2011 survey over 6 billion people do have access to the computers and roughly half of them have access to the Internet. Increasing power of the handheld devices and the advent of the mobile computing is going to increase these figures exponentially.
44. Enterprises will bid a farewell to most of the applications that do not support Internet or can't be made to interface with the web and most of them will be required to support handheld devices (Mainframe based applications could be an exception, but they too are getting integrated using Web-services)
45. Global presence of the technology companies and spread of virtualization will enable organizations to create global teams that will work in shifts having an impact over how the teams are setup and tasks are managed
46. Most of the applications will need to have inbuilt localization and globalization features as a must
47. More and more applications will have "Geolocation" capability inbuilt (imagine browsing to the map that allows searching and drilling down to an address and filing up the address instead of typing it and running the validations)
48. More and more applications will be required to be up 24X7, having little time window for the activities like maintenance and batch processes
Hardware and Network will see loss of importance
As the price of computing hardware is coming down and their performance is going up, elements like hardware and network will no longer be the differentiator factor as everyone will be in a position to afford them at a reasonable price.
49. The value-add provided by the application and services will have to meet all the expectations
50. Increasing popularity and capability of virtualization will ensure a consolidation in the terms of the hardware, software and data