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Off-Topic / Re: Coisas de ciência
« em: 2016-09-14 15:43:29 »
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Esta secção permite-lhe ver todas as mensagens colocadas por este membro. De realçar que apenas pode ver as mensagens colocadas em zonas em que você tem acesso.
Peer-to-peer lending heralds mortgages without banks
Crowdsourced loans and peer-to-peer lending are cutting banks out of the mortgage market – and this is just the start
NEED a mortgage? In the near future you may find yourself canvassing strangers online for a loan instead of your bank. The rise of a new kind of crowdfunding website is opening up the potential for everyone to take part in – and profit from – financial services, without a bank in sight.
Peer-to-peer (P2P) lending, which connects those who need money with those looking to grow their own, has enjoyed a dramatic rise in popularity in recent years, fuelled by a shortage of credit at one end and lacklustre interest rates at the other.
The trend began in earnest when sites like Zopa began helping people secure personal loans through crowdsourced funding. But now an increasing number of peer-to-peer investors are looking to get a slice of the property market.
The system works by allowing people from all walks of life to pool their money and act as a lender to a home buyer. Investors sign up through a website where loan requests are published alongside details about the applicant. Once you have decided who to lend money to, you can invest as little as £100 in the mortgage. In the UK, there are rarely limits on the maximum investment you can make, and interest is typically paid back to you monthly. Regulatory oversight for the area is growing too, with bodies such as the P2P Finance Association now enforcing rules on its members.
Growing enthusiasm for the model is giving the companies who manage peer-to-peer lending arrangements big ideas. "P2P is a large part of the current strategy, but it's really about opening up the mortgage market to be accessible purely online for people," says Ian Thomas, co-founder of LendInvest.com, which offers P2P mortgages. "That's the real power of what we've created."
continua em: http://www.newscientist.com/article/mg22530052.400-peertopeer-lending-heralds-mortgages-without-banks.html#.VMQPPq1Gh5S
Cold fusion reactor verified by third-party researchers, seems to have 1 million times the energy density of gasoline
Andrea Rossi’s E-Cat — the device that purports to use cold fusion to generate massive amounts of cheap, green energy – has been verified by third-party researchers, according to a new 54-page report. The researchers observed a small E-Cat over 32 days, where it produced net energy of 1.5 megawatt-hours, or “far more than can be obtained from any known chemical sources in the small reactor volume.” The researchers were also allowed to analyze the fuel before and after the 32-day run, noting that the isotopes in the spent fuel could only have been obtained by “nuclear reactions” — a conclusion that boggles the researchers: “… It is of course very hard to comprehend how these fusion processes can take place in the fuel compound at low energies.”
This new report [PDF] on the E-Cat was carried out by six (reputable) researchers from Italy and Sweden. While the new E-Cat looks very different from previous iterations, the researchers say that it uses the same “hydrogen-loaded nickel” and additives (most notably lithium) as a fuel. The device’s inventor, Andrea Rossi, claims that the E-Cat uses cold fusion — low-energy nuclear reactions, LENR — to fuse nickel and hydrogen atoms into copper, releasing oodles of energy. The researchers, analyzing the fuel before and after the 32-day burn, note that there is an isotope shift from a “natural” mix of Nickel-58/Nickel-60 to almost entirely Nickel-62 — a reaction that, the researchers say, cannot occur without nuclear reactions (i.e. fusion). The researchers say there is just 1 gram of fuel inside the E-Cat. For more info about the science/chemistry behind LENR, read our previous story about Rossi’s E-Cat.
Tou mesmo a ver um gajo com Ebola em Portugal.
Primeiro liga para a saude24. Depois de um questionario de 20 minutos em que só falta perguntarem a cor das cuecas, mandam-no beber chá de limão e ir comprar benuron à farmácia. Dizem-lhe que pode ir trabalhar à vontade.
Passados dois dias volta a ligar, mais 30 minutos de perguntas e enviam o caso para o centro de saúde. No centro de saúde dizem-lhe que não há médico e que tem de esperar 2 horas pela consulta de recurso. Duas horas na sala a espalhar o virus. O médico atende-o enquanto passa duas receitas para diabéticos e três para hipertensos e manda o gajo para o hospital porque ali não tem raio X.
Chega ao hospital, tira a senha e leva 30 minutos para fazer a inscrição no balcão administrativo. Vai à triagem e acham que é um maricas qualquer. Toma lá a senha verde para aprender a não vir ás urgências. Enquanto espera, bebe café com os seguranças e com os bombeiros que vão chegando e dizem mal do governo. Depois de oito horas de espera é atendido pelo médico. Como não tem a certeza se pode ser alguma coisa importante, manda-o para o hospital central. Vai de autocarro porque não há verba para ambulância.
No hospital central mais quatro horas de espera até que alguém se lembra de ter lido qualquer coisa sobre o ébola e pica a check list. Chega à conclusão que deve ser ébola. Tem de telefonar ao director a pedir autorização que vem passado meia hora. A partir daí gera-se o pânico, isola-se o doente e no dia seguinte o ministro diz que esta tudo sob controlo e que o protocolo foi seguido.
histeria colectiva em 3-2-1...
Espero sinceramente que não tenhas de engolir toda essa sobranceria, amigo Misterioso....
Os "insiders" estão bastante preocupados.
por "insiders" queres dizer tu certo?