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Archivo del Autor: Belen De Leon

Scientists Are Developing a Unique Identifier for Your Brain

A neurological “functional fingerprint” allows scientists to explore the influence of genetics, environment and aging on brain connectivity.
Source: Wired

With Q#, Microsoft is throwing programmers the keys to quantum

Quantum computers aren’t yet practical, but Microsoft has already developed a programming language for them. Q# works inside Visual Studio, just like most other languages, and could offer a gateway into the weird world of quantum physics.

The post With Q#, Microsoft is throwing programmers the keys to quantum appeared first on Digital Trends.


Source: Digital trends

Only 48 hours left: Apply to Startup Battlefield at Disrupt Berlin

The action you take within the next 48 hours could change your life. That’s how much time you have left to apply to TechCrunch Startup Battlefield, our world-renowned pitch competition, which takes place at Disrupt Berlin 2018 on November 29-30. The application deadline expires on August 20th at 9 p.m. PST. Don’t waste another minute — apply right here, right now.

TechCrunch Startup Battlefield is the stuff of Silicon Valley legend. Some of today’s biggest names in tech launched their early-stage startup in our premier pitch competition. Companies like Vurb, Dropbox, Mint, Yammer, TripIt and more. Since 2007, more than 750 companies have competed (and now form our alumni community), collectively raised $8 billion in funding and generated 102 exits. Not. Too. Shabby.

This is your opportunity to join that august alumni group — can you just imagine the networking possibilities? But hold on, we’re getting ahead of ourselves. Here’s what you need to know about applying and competing.

TechCrunch editors, who clearly have a sharp eye for choosing successful startups, scrutinize every application. They’ll pick the founders of roughly 15 early-stage startups to go head-to-head in the Startup Battlefield competition. This is a highly competitive vetting process, and our acceptance rate typically hovers around three percent.

The founders of each team receive free pitch coaching (from our expert editors), and they’ll be rehearsed and ready to step onto the TechCrunch Main Stage in front of a live crowd numbering in the thousands. Not to make you sweat, but that audience is filled with investors, the very people who can make your dreams come true.

Teams have just six minutes to present a live demo to a distinguished panel of investors and entrepreneurs. Following each pitch, the judges get six minutes to put each team through their paces by asking a series of tough questions.

Next comes round two, and only five teams will make the cut to pitch again — to a fresh set of judges — and endure another round of probing questions.

Remember that live audience? It’s also filled with media outlets looking to write up the next big thing. Plus, we live-stream the entire Startup Battlefield competition to a global audience on TechCrunch.com, YouTube, Facebook and Twitter (and make it available later, on-demand). It’s awesome exposure — for all participating teams — that travels across Europe and around the world. Of course, the winners do get a bit more reward — namely the bragging rights, the Disrupt Cup and the $50,000 grand prize. That’s equity-free cash money, friends.

This is a classic nothing-to-lose and everything-to-gain scenario. Don’t sit this one out. Come and launch your startup to the major influencers in the European and global tech scene.

Startup Battlefield takes place at Disrupt Berlin 2018 on November 29-30, and the application window closes August 20 at 9 p.m. PST. You have just 48 hours left to submit your application — right here.


Source: TechCrunch

The future of public finance

If you’re a certain age, it’s likely that you’ve never given a second thought to buying a municipal bond or the process of bond buying, even if you’ve intuited, rightly, that’s it’s an intentionally opaque business.

Yet there could be a big opportunity for startups, and for people looking for places to invest, and for cities with crumbling infrastructures, in disrupting the status quo — if only everyone starts playing closer attention.

First, there’s a strong case for buying bonds. Earlier this year, the Trump administration capped at $10,000 the amount that taxpayers can deduct in property tax and local and state income tax. Most people with hefty tax bills are benefiting in other ways from that same new tax bill, but this aspect of it isn’t so great for them, and municipal bonds can help. The reason: interest income paid on muni bonds is exempt from federal tax. (Bonds issued within one’s state can also be free of state tax.)

What about people without hefty tax bills? For one thing, bonds are a very safe investment. They’re not sexy, it’s true ( they typically deliver interest in the single digits), but they also feature low default rates. Whether debts from states, cities, or counties, they’re typically government guaranteed and paid back in full at the end of their term. In fact, muni bond default rates have been as low as below .03 percent over the last decade. What’s also compelling — perhaps even more so — is that bonds can give residents an opportunity to help out the community where they live. For example, Oakland, Ca. voters in 2016 overwhelmingly approved a $600 million bond to fix old city streets and build affordable housing.

You might be wondering at this point where the new opportunity lies and what role tech can play. Let’s start with the moolah, which there happens to be a lot of sloshing around the municipal bond market. Last year, Morningstar Direct reported $34 billion in net inflows to municipal bond funds and exchange-traded funds, and there’s a lot of action happening outside these kinds of products, which package up a bunch of bonds to create a diversified portfolio for investors.

Like any financial services disruptor, the idea here is to offer what the big financial institutions are offering but to do it at less cost.

There’s also room to create many more bonds than are currently available. As the New York Times reported earlier this year, fewer municipal bonds have been hitting the market ever since the financial crisis of 2008. More, the Trump administration’s new tax law revision eliminated something called “advance refunding issues,” which the Times describes as a type of municipal bond financing that accounts for around 15 percent of the market. Where there’s constrained supply, there’s demand.

Right now, there aren’t tons of startups paying attention to public finance, and perhaps just one company laser focused on bringing the muni bond market into the 21st century: Neighborly, which is a six-year-old, Bay Area-based company that’s very progressive, to say the least, for a bond broker. In 2017, its technology enable the city of Cambridge, Ma., to create $2 million of “mini bonds” that allowed residents to earn tax-exempt interest for smaller check sizes than typically possible, and the residents were able to invest that money directly in a variety of projects, without going through a middleman. (Apparently, it was successful; Cambridge staged a second mini bond sale earlier this year.)

Earlier this year, Neighborly convinced the city of Berkeley, Ca., to stage an initial coin offering that it dubbed an “initial community offering.” The idea is to deliver crytocurrency tokens in exchange for investments into cash-strapped projects in Berkeley — tokens that will be backed by municipal bonds. (Bond holders can receive their money back in digital coins or cash.) The project is still in development, but if it works, it could certainly provide a roap map for other cities.

Whether Neighborly winds up being a pioneer in the space- – or else trampled by a newer entrant — remains to be seen, but a recent on-stage sit-down with a longtime political strategist turned investor, Bradley Tusk, opened our eyes to the possibilities. You can check out part of that conversation below.  Note that Tusk is not an investor in Neighborly but has more recently begun advising the company. Our chat has been edited for length.

TC: You think the muni bond market is broken. Why?

BT: We have a system now that, on the one hand works. Governments can issue debt. People will pay for it. You can build projects and people will get paid back. That basically works. But it’s a very opaque, very closed system. And in the way that tech has managed to disrupt other very closed industries and force change and make them more cost efficient and transparent, there’s no reason that can’t happen in public finance as well.

[Earlier in my career], I was at Lehman Brothers . . . and they didn’t know where to put me so they stuck me in public finance. The people who worked there were honest, they weren’t the people who bankrupted the global economy. But they made a lot of money, and effectively, it was just all layered on top of the taxpayers. It’s built into [banks’] underwriting costs. And you just don’t need that any more.

TC: So right now, bonds are mostly made available through brokers who charge too much in your view. But isn’t skipping straight to “initial community offerings” or employing blockchain technologies from now the right way to go? You could see that scaring people.

BT: I think blockchain gets confused with crypto and ultimately, it’s just a better system of piping, a more efficient way of moving data across a ledger from Point A to Point B and done n a way where it’s distributed across lots of different places so that it’s more secure and less hackable. But it’s plumbing; it’s infrastructure at the end of the day. So it will evolve to the point where it will just make a transaction that’s complicated and has lots of different parties and pieces just easier and faster. It’s no different than how the Internet makes it faster to do things we used to do. Email is faster than writing a letter. Text is faster than email.

[To your point], what Neighborly is trying to achieve isn’t solely dependent on blockchain. I don’t think it existed in the form it does now when [Neighborly founder and CEO Jase. Wilson] first came up with this idea. The main notion is you have a public finance system that’s expensive and opaque and not particularly democratic. You meanwhile have a lack of awareness by the people most impacted by the decisions [about where bond money should go], and those are real inefficiencies in the marketplace that Neighborly and other companies are trying to do address. Blockchain should just help them do it more efficiently over time.

TC: Is Neighborly making already available bonds to users of its platform or creating new bond offerings?

BT: Both. It can participate in a process and make bonds available or it can work with a municipality that, say, wants to create community-owned broadband.

TC: What about challenges in persuading governments to work with startups like Neighborly? Aren’t there a lot of special interests and existing relationships to overcome?

BT: Yeah, there’s a huge problem right now, which is that you have all these firms that advise government on issuing debt or participate in the process that, even though a lot of them are prohibited from giving money directly to candidates, they are very, very entrenched. They have relationships with mid-level people at budget offices everywhere.

This is a cartel that has to be taken on, just like Uber has had to take on the taxi industry and Airbnb has taken on hotels. In some ways, it’s an even harder cartel to fight because it’s so opaque. No one really understands how the budgeting process works internally, so it’s a big cartel and it’s a silent cartel, which in some ways is the most powerful of all, so it’s a pretty big fight. I give Neighborly a lot of credit for taking it on.

TC: Is there a precedent here? 

BT: [Not really.] One company does it well, then 15 more pop up. The first one has to do all the heavy lifting and take on all the fights and that’s probably what’s going to happen here, too. When market opens up, and people realize there’s money to be made, you’ll see more come in, but right now, there’s just one company that I’m aware of that’s doing most of the work.

Public finance departments are good at really working over who gets to issue and underwrite the debt, and Neighborly would rather live in a world where they didn’t have to play that game, but to some extent, the real world of politics still exists.


Source: TechCrunch

Steam.tv is live — and it appears to be Valve's Twitch competitor – CNET

Steam now has its own website specifically for watching streaming games. Sound familiar?
Source: CNET

It’s Friday so relax and watch a hard drive defrag forever on Twitch

It’s been a while since I defragged — years, probably, because these days for a number of reasons computers don’t really need to. But perhaps it is we who need to defrag. And what better way to defrag your brain after a long week than by watching the strangely satisfying defragmentation process taking place on a simulated DOS machine, complete with fan and HDD noise?

That’s what you can do with this Twitch stream, which has defrag.exe running 24/7 for your enjoyment.

I didn’t realize how much I missed the sights and sounds of this particular process. I’ve always found ASCII visuals soothing, and there was something satisfying about watching all those little blocks get moved around to form a uniform whole. What were they doing down there on the lower right hand side of the hard drive anyway? That’s what I’d like to know.

Afterwards I’d launch a state of the art game like Quake 2 just to convince myself it was loading faster.

There’s also that nice purring noise that a hard drive would make (and which is recreated here). At least, I thought of it as purring. For the drive, it’s probably like being waterboarded. But I did always enjoy having the program running while keeping everything else quiet, perhaps as I was going to bed, so I could listen to its little clicks and whirrs. Sometimes it would hit a particularly snarled sector and really go to town, grinding like crazy. That’s how you knew it was working.

The typo is, no doubt, deliberate.

The whole thing is simulated, of course. There isn’t really just an endless pile of hard drives waiting to be defragged on decades-old hardware for our enjoyment (except in my box of old computer things). But the simulation is wonderfully complete, although if you think about it you probably never used DOS on a 16:9 monitor, and probably not at 1080p. It’s okay. We can sacrifice authenticity so we don’t have to windowbox it.

The defragging will never stop at TwitchDefrags, and that’s comforting to me. It means I don’t have to build a 98SE rig and spend forever copying things around so I have a nicely fragmented volume. Honestly they should include this sound on those little white noise machines. For me this is definitely better than whale noises.


Source: TechCrunch

So much Mile 22 training for Mark Wahlberg, but no shirtless scenes – CNET

The Mile 22 star chats about his sleep routine, his FaceTime habits and how hard he worked out for his new film, only to not show off his abs.
Source: CNET

Facebook takes heat from HUD over allegedly discriminatory housing ads – CNET

Federal regulators have filed a complaint against Facebook for letting landlords and home sellers pick and choose who gets to see their ads.
Source: CNET

New Sharknado 6 trailer pits shark against T. Rex – CNET

See a dino, dragon sharks, medieval knights and cowboys in the trailer for Sharknado 6 – It’s About Time, which airs on SyFy on Aug. 19.
Source: CNET

The best back-to-school deals from Amazon – CNET

It’s not too late to save money on Fire, Echo and other Amazon products.
Source: CNET

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