Category Archives: Office Web Apps

Where this 12-time Olympic medalist keeps her medals

Although Olympic medals are not made out of the pure, precious metals, they are extremely valuable. That is why we wonder how athletes keep them safe. Dara Torres, five-time Olympic swimmer and 12-time Olympic medalist, told us where she keeps her medals. 

Torres has teamed up with SHOW MORE OF YOU from Celgene and Otezla — a campaign that is shining light on the psoriasis or psoriatic arthritis. To learn more about psoriatic disease, visit the campaign’s website. Following is a transcript of the video.

When I introduce myself, I don’t like to brag and say, “Oh, I won these many medals.”
But, I actually have four golds, four silver, and four bronze medals, from five different Olympic games. 

I am Dara Torres. I am 5 time Olympic swimmer and I am here because I have teamed with Celgene and Otezla for the Show More Of You campaign.

OK, so where do I keep my medals?
Well, I use to keep them under my bed, especially when I lived here in New York, because
I didn’t have a safe in New York and it was just an easy place to leave them.

When my mom asked where I was keeping them, I told her that and she was not a happy camper.

 So my mom made put it in a safety deposit box at the bank. But then, I go to an appearance — maybe leave on a flight at seven at night — I go to the bank after four and they are closed. I am like, “Uh! I can’t get my medal.” So, I am like, “Uh! That’s not a good idea.”

So, now that I leave in a house in a nice neighborhood, I put them in a safe as easy access
and they are very much protected.

But it is funny, because when my mom was on me about trying to keep them in a safe place, at that point in time, I had given her one of my gold medals — because I just wanted her to know how much I appreciated and thanked everything that she had done for me. So one Christmas I did that.

When I came back to visit her, I walk into her house and there’s the medal — the golden medal — in glass —plexiglass case, with a light shinning on them.
I am like, “Wait. Mom, what happened to, like, protecting the medal, so no one steals it?”
So, she may say one thing but definitely does another thing.

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You might have free Amazon credits waiting for you thanks to Apple — and they expire today (AAPL, AMZN)

Tim Cook

Because of a lawsuit over e-book prices that was settled years ago, you may have credits that can be applied to purchases on Amazon waiting in your Amazon account. 

To check if you have credits, simply click this link.

But even if you have credits from the settlement, you have to use them by Saturday — today — or they’ll expire. 

Last March, the Supreme Court declined to hear a long-running case about Apple price-fixing e-books, making an earlier $400 million settlement final.

For the past year, Apple’s been paying it out. You might have credits for free e-books waiting in your inbox — but, as a reminder, they expire on Saturday. 

Here’s how it works:

  • You’re eligible if you bought an e-book from a large publishing company between April 1, 2010, and May 21, 2012.
  • Those books could have been purchased not just from Apple’s iBooks, but Amazon, Barnes and Noble, and Kobo.
  • Those credits will be automatically applied to the account where you bought the e-books unless you requested a paper check years ago.
  • If you’re eligible, you’ll receive a $6.93 credit for any New York Times bestseller and $1.57 for any other e-book from a large publisher.

The law firm that’s handling the payouts has a lot more information along with a FAQ. Make sure you check your old email address, too.

If you’re wondering why Apple is paying for Amazon credits, it’s a long and fascinating story. But essentially, the complaint was that Apple Senior Vice President Eddy Cue strong-armed major publishers into a pricing agreement that ended up causing e-book prices to spike overnight.

The judgment was handed down in 2013, and Apple started sending iTunes credits to customers in 2014.

Once again, you can check if you got any Amazon credits here.

Here’s one of the emails that’s going out to eligible customers:

amazon letter

According to Amazon, here is how you apply those credits to a purchase:

Eligible customers do not need to do anything to receive these credits. If you are eligible, we have already calculated your credit for you and added it to your Amazon account. As long as you have credit remaining we will automatically apply it to your purchase of qualifying items through Amazon.com, an Amazon device or an Amazon app. The credit applied to your purchase will appear in your order summary as a gift card during checkout and in your account history. Eligible customers should have received a notification email from Amazon on June 21, 2016. This credit will expire at 11:59 p.m. HST on June 24, 2017.

SEE ALSO: How Steve Jobs, Rupert Murdoch, and Stephen King worked to fix the prices of e-books

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NOW WATCH: You may have Amazon credits waiting for you — here’s how to check

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Fintech LendInvest's growth slows due to 'challenging' property market and investment

Christian Faes & Ian Thomas   LendInvest   March2016 (1)

LONDON — Online mortgage marketplace LendInvest saw revenue growth slow and profits dive last year as it invested for growth and dealt with “challenging” market conditions.

Accounts seen by Business Insider show LendInvest’s revenue grew from £18.6 million to £22.1 million in the year to March 2017. That’s a significant slowdown on the prior year when revenues jumped to £18.6 million from £7.2 million in 2015.

The company made a loss of £1 million in the year to March 2017, down from a pre-tax profit of £2.4 million in 2016. Operating profits shrunk from £3.3 million to £52,000.

LendInvest, founded in 2008, lets people invest in property loans to developers looking to do up and sell houses. It finances loans through its online investment portal and a dedicated fund.

CEO and cofounder Christian Faes says the slump in profits was largely down to investing for growth.

“It was always going to be a year of investment last year,” he told Business Insider. “We’d taken equity investment the year before. We had a lot of costs associated with that investment.

“Our team grew quite significantly and we also spread the geographical reach. We’ve got a team now in Manchester, York, and up in Scotland. We’ve moved into a new office, had fairly large fit-out costs. We implemented Pepper, which is an external servicing platform that helps us get access to institutional investors. And the other big cost we had was buying out our Chinese investor, which had certain costs associated with it.”

Beijing Kunlun invested £22 million in LendInvest in 2015 but the startup ended up repaying the investment in October of last year. Faes says the move came after a change of plans for Beijing Kunlun, which has been looking to increase investments in Europe but decided to focus domestically instead.

Addressing one-off costs last year, Faes said: “Those are the things you can strip out and see the underlying business was very strong. Having made that investment, we’re certainly back on track now. Q1 2017 was the best quarter we’ve had in terms of lending growth, profitability, and revenue. It looks like Q2 will beat Q1. That investment is starting to pay off.”

“Q1 2017 was the best quarter we’ve had in terms of lending growth, profitability, and revenue. It looks like Q2 will beat Q1. That investment is starting to pay off.”

 

As well as investment costs, Faes says difficult market conditions last year contributed to slowing growth and profit slump.

“There’s no denying that last year, the market conditions were challenging,” Faes said. “The biggest challenge we had was actually the Stamp Duty increase, more specific changes to the property market. In some respects that actually made us more focused, not actually just relying on the momentum of the property market and the buzz around fintech.”

He added: “Brexit was not ideal but for us we’re just moving on.”

2017 has the potential to be just as difficult, with data suggesting a continued slowdown in the property market and more political uncertainty in the form of the hung parliament and the start of Brexit negotiations.

Faes is unphased, saying: “I think for us, we fundamentally believe that there are not enough houses being built. There’s a fundamental shortage of housing in the UK. Our business really does address that issue in a very real way. We’re lending to property entrepreneurs. For us, that keeps us going.

“There’s going to be headwinds, there are headwinds but until there’s a glut of housing I think our business will do very well.”

Faes told Business Insider last year that LendInvest is planning to launch a buy-to-let loan product and says plans are still in progress.

“We have a couple of term sheets that we’re working through now with banks,” he said. “We’ve been running a process over the past two or three months to get a funding line. We’re pretty confident that we’re going to get there and be able to make an impact in that space. That’s where the business gets taken to the next level. We’re moving into a very, very deep market.”

Faes said the product is likely to launch in the third or fourth quarter of this year.

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NOW WATCH: HENRY BLODGET: This chart explains everything that’s wrong with the economy today

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Google DeepMind is giving the NHS free access to its patient monitoring app (GOOG)

DeepMind Streams

The financial terms of Google DeepMind’s partnership with the Royal Free London NHS Foundation have been disclosed for the first time.

Google’s artificial intelligence lab DeepMind is currently allowing the Royal Free to use its patient monitoring smartphone app Streams for free, the Royal Free Trust told Business Insider following a freedom of information (FOI) battle that went on for six months.

However, the Royal Free must pay DeepMind a “service fee” if DeepMind ends up providing more than £15,000 in “support,” which is likely to come in the form of computing power and DeepMind staff costs. That threshold is yet to be breached, as the Royal Free said it has not paid DeepMind any fees.

The Streams app sends an alert to a clinician’s smartphone if a patient’s condition deteriorates. It also allows clinicians to view a patient’s medical records and see where patients are being looked after.

A DeepMind spokesperson said: “Streams is an entirely new clinical app, and we don’t believe it’s right to charge the NHS anything other than modest service fees until it shows sustained impact and value.” DeepMind and the Royal Free have not established what the service fees would be if the Royal Free were to cross the £15,000 threshold.

There is an argument that DeepMind is initially offering the app to NHS trusts for free as a “data play” to get access to valuable NHS patient data. If the app doesn’t cost anything to use, then NHS trusts are going to be more inclined to deploy it.

Dr Julia Powles, a legal academic who has co-authored published research on DeepMind’s work with the NHS, told Business Insider that it is incumbent on DeepMind to disprove this argument.

“One side of this is the consistently obfuscated point about why DeepMind has needed every single Royal Free patient’s data, and how this has informed the app it is now starting to distribute around the country,” said Powles. “But the other is about value for data — ensuring that we’re not allowing a private company patroned by Google to build networks of knowledge about health and disease in a way that will end up with long-term costs.”

DeepMind has previously said that it needed access to the medical records to help it test Streams. Medical records contain some of our most private information, including things like whether a person has had an abortion or what a person’s HIV status is, as well as our full names and addresses

DeepMind would likely dispute that it is providing services to the NHS in return for data. At no point has the patient data been combined with Google products, services, or ads.

“Once the sustained benefits of Streams are proven then we’ll aim to charge future partners fees in line with current IT supplier market rates, ideally tying some of these fees to the practical impact we can have on patients, clinicians and the hospitals we serve,” a DeepMind spokesperson said.

DeepMind’s first deal with the Royal Free was criticised for a lack of transparency

Mustafa Suleyman DeepMindDeepMind has signed two deals with the Royal Free. The first was signed in September 2015 and the second was signed in November 2016.

The financial details that the Royal Free has disclosed relate to the second deal. The first deal didn’t specify anything concerning financials.

DeepMind and the Royal Free have always insisted that their partnership is legally sound on the basis that Streams is providing “direct care” to patients — something that automatically assumes “implied consent” on the patient’s behalf.

However, a letter leaked to Sky News and published last month shows that the National Data Guardian (NDG), Dame Fiona Caldicott, wrote to the Royal Free in February 2017 to let them know that the legal basis for the data-sharing deal used to test Streams was inappropriate.

Legally speaking, patients are implied to have consented to their medical records being shared if it was shared for the purpose of “direct care.”

But Caldicott, the UK’s health data regulator, wrote in her letter: “When I wrote to you in December, I said that I did not believe that when the patient data was shared with Google DeepMind, implied consent for direct care was an appropriate legal basis.”

She added: “Given that Streams was going through testing and therefore could not be relied upon for patient care, any role the application may have played in supporting the provision of direct care would have been limited and secondary to the purpose of the data transfer,” she wrote. “My considered opinion therefore remains that it would not have been within this reasonable expectation of patients that their records would have been shared for this purpose.”

The Information Commissioner’s Office (ICO), the UK data regulator, is carrying out its own investigation into whether the data transfer from the Royal Free to DeepMind was legal under the Data Protection Act. A verdict is expected to be made public in the coming weeks.

Two other NHS Trusts — Imperial College Healthcare NHS Trust and Taunton and Somerset NHS Foundation Trust — have also signed deals with DeepMind to use the Streams app. Taunton and Somerset Trust is on the same tariff as the Royal Fee, according to a spokesperson from the trust. Imperial did not immediately respond to Business Insider’s request for comment.

It took 6 months and a complaint to the UK data regulator to get the Royal Free to open up

The Royal Free blocked an FOI request by Business Insider on December 21, saying the financial details of the DeepMind partnership were “commercially sensitive”.

In the FOI response, Alison Macdonald, board secretary at the Royal Free, said that the trust could only disclose the figure “when it is satisfied that the public interest in withholding the information outweighs the public interest in disclosing it.”

At the time, Macdonald said that the trust’s “starting point” for revealing the financials was “in favour of disclosure” adding that it would help the trust to become more accountable and transparent. But she said disclosing such information may enable DeepMind’s competitors to “obtain commercially sensitive information thus causing prejudice to their commercial interests.”

Royal Free HospitalOn December 24, Business Insider requested the Royal Free carry out an internal review into why the financial information was not disclosed.

On January 24, Emma Kearney, director of corporate affairs and communications at the Royal Free, said: “In balancing the arguments for and against disclosure, I am satisfied that the public interest lies in maintaining the exemption. I am therefore satisfied that the information is exept from disclosure under section 43(2) of the FOIA.”

Business Insider then complained to the ICO in February. Responding to Business Insider’s request on May 15, ICO senior case officer Susan Duffy said she had been allocated the case to investigate.

On June 8, Duffy followed up saying: “I have now had a response from the Trust. They have reconsidered your request and have now decided that the information you have requested should be disclosed.”

DeepMind has also refused to disclose the financials in the past but it said it “supports” the Royal Free’s decision to release the information this week.

“It’s our goal to be one of the most open and transparent companies working with the NHS today,” said a DeepMind spokesperson. Despite refusing to disclose the financial details of its NHS partnerships on multiple past occasions, DeepMind said it supported the Royal Free’s “decision” to release the information this week.

DeepMind is working with a number of other NHS hospitals on different projects that don’t involve Streams. They include an eyecare project with Moorfields and a cancer detection project with University College London Hospital.

The commercial values of these deals have not been disclosed.

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NOW WATCH: This couple lived in Google’s parking lot for 2 years and saved 80% of their income — here’s how they did it

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Ethereum's flash-crash victims are getting their money back

People who lost money as a result of Ethereum’s flash crash on Wednesday are being made whole, according to a blog post from GDAX.

We will establish a process to credit customer accounts which experienced a margin call or stop loss order executed on the GDAX ETH-USD order book as a direct result of the rapid price movement at 12.30pm PT on June 21, 2017. This process will allow affected customers to restore the value of their ETH-USD account to the equivalent value of their ETH-USD account at the moment prior to the rapid price movement. To clarify:

  • For customers who had buy orders filled — we are honoring all executed orders and no trades will be reversed.

  • For affected customers who had margin calls or stop loss orders executed — we are crediting you using company funds.

Ethereum’s price crashed from $296 to $0.10 around 12:30 p.m. ET time Wednesday on GDAX’s exchange. It recovered those losses in a matter of minutes. The entire decline cannot be seen on the chart below, as it shows the price in one-minute increments and doesn’t display every tick. 

Previously, GDAX said customers would not be refunded.

As of Friday afternoon, Ethereum was up about 3,700% in 2017.

Ethereum

 

 

SEE ALSO: There are several ‘red flags’ in the oil market right now

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Crunch Report | Google To Stop Scanning Inboxes

Crunch Report June 23 Today’s Stories  Google now has all the data it needs, will stop scanning Gmail inboxes for ad personalization Samsung’s Galaxy Note8 will reportedly be the company’s most expensive smartphone yet YouTube TV expands to 10 more U.S. markets, adds more YouTube Red series Tesla said to be in talks to create its own streaming music service Credits Written and Hosted by:… Read More

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There’s reason to think some people will come back to Uber now that its CEO has resigned

Travis Kalanick’s decision to resign from his post as Uber’s CEO isn’t likely to turn around the company’s fortunes overnight. But it could give Uber a small boost in one area: ridership.

Among consumers who have scaled back or ceased using Uber, nearly 30% believe replacing Kalanick could coax them into giving the new wave taxi service another shot. That’s according to a recent Morning Consult poll —charted for us by Statista — that took place in the days leading up to and immediately following Kalanick’s resignation. The only thing that’d be more persuasive to disaffected Uber riders? If the company lowered its prices.

With Lyft and others offering similar services, consumers are able to switch from company to company without much cost. As the survey indicates, for some consumers, Uber’s recent scandals have tested their loyalties.

But not for everyone. Among all Uber users, some 64% said the recent news surrounding the company either hadn’t affected their use of its service or had actually made them more likely to use it. And some 72% of all Uber customers said they’re likely to continue using the service in coming months, Morning Consult said.

COTD_6.23

SEE ALSO: The video game industry now gets more money making games for smartphones and tablets than for consoles or PCs

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NOW WATCH: We drove a brand-new Tesla Model X from San Francisco to New York — here’s what happened

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First ever close-up footage of DNA replication will have experts rewriting textbooks

For the first time, scientists have recorded DNA replication in real time. The scientists extracted DNA from E. coli bacteria, dyed it, and then watched the DNA replicate itself. The footage, alone, is fascinating. But the real shocker comes with what scientists discovered from the footage. They document their findings in the prestigious scientific journal Cell.

Footage courtesy of UC Davis.

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Hackers reportedly leaked 32 terabytes of secret Windows 10 code (MSFT)

Windows 10

A huge compilation of Microsoft’s proprietary Windows 10 software code has been leaked online, according to the Register.

The leak contains more than 32 terabytes of data and includes both the Windows 10 source code and other code intended only for internal use at Microsoft, the Register reported. The files include much of the code that Windows 10 uses to work with PC hardware, including its built-in USB, Wi-Fi, and Bluetooth drivers, according to the report.

Hackers and other bad actors are now free to sift through the data looking for potentially vulnerabilities they could exploit. 

The code was leaked to BetaArchive.com, a website that seeks to preserve and make public software that would otherwise never see the light of day. The leaked data appears to have been taken from Microsoft starting in March, according to the Register report.

In addition to that hardware code, the leak contains numerous versions of Windows 10 that were never released outside of Microsoft’s offices, the Register reported.

Microsoft declined to comment. 

Read the full Register report here>>

SEE ALSO: The Windows PC is cooler than it’s ever been before — here’s how Microsoft made it happen

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NOW WATCH: Hands-on with Microsoft’s newest laptop that’s taking on Google and Apple

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Lexus, Volvo, Audi — 3 great choices when it comes to luxury SUVs

Audi Q7 41

The SUV market has been booming for the past few years, and that means the luxury SUV market has also been on the rise.

Business has gotten so good that brands that never did SUVs in the past — Jaguar, Lamborghini, Bentley, Maserati — are getting into the game.

Consumers have more luxury SUV choices than ever, so choosing the right vehicle can be difficult. Over the past year, we’ve sample three good choices: The Lexus RX 350, the Volvo XC90, and the Audi Q7. 

They’re all excellent. So how to chose among them?

Read on:

SEE ALSO: The Ford Focus RS is almost too much fun to drive

THE LEXUS RX 350: This midsize crossover SUV has been in the Lexus lineup since 1998 and is perhaps the luxury brand’s most important vehicle in the US market, where SUVs rule the road these days. Pricing starts at about $43,000.

The RX 350 is a core product for Lexus — the Lexus that Lexus can’t afford to screw up. The vehicle was redesigned for the 2016 model year, and our conclusion after we reviewed it was that Lexus did a fine job.

The RX 350 remains the default luxury family hauler in the segment. Basically, everything about it is good. Well, almost everything. But we’ll get to that in a second.

Our test car had a 3.5-liter V6 that served up 295 horsepower, with an all-wheel-drive system could handle nasty weather. This is a perfectly capable powerplant that won’t leave anyone wanting. 

The luxury level is sort of high-medium. The materials are excellent, the fit and finish is wonderful, and the overall comfort level of superb. Nothing on the RX 350 blows you away, but there’s also very little to complain about. There’s a reason this thing has been going strong since the late 1990s. 

The new styling is mildly controversial, but over a week, we got used to it.

Infotainment is a weak spot for the RX 350. Lexus is lagging the competition here, but not by all that much.

Here’s what we said in our review:

The infotainment system runs off a substantial center screen that’s controlled with a puck-like thingy that resides between the seats. The screen doesn’t retract, and while it satisfies all the necessary functions — audio, navigation, Bluetooth connections, and so on — it simply doesn’t feel as up-to-date as what you can get in a Cadillac, Audi, or BMW.

We’ve made this complaint about all the Lexus vehicles we’ve tested. This is in no way a dealbreaker because the system works fine, once you get the hang of it. But infotainment is the main place where owners interact with vehicle technology, and as Apple CarPlay and greater levels of connectivity come online in autos, some new standards are being established.

Overall, we try to put ourselves in the mind of an owner when we review a vehicle, and we think that RX 350 will ultimately be irritated by some of the SUV’s infotainment quirks.

VERDICT: You really can’t go wrong with the RX 350. This is the one that doesn’t require a lot of thought.

Lexus has been selling this car since the late 1990s, and it should keep selling it until humanity decides that luxury SUVs are going the way of the Conestoga wagon.

“The 2016 RX 350 was one of those cars that tested out exactly as expected,” we wrote. “OK, the design is going to be a bit much for the ‘burbs. But otherwise the crossover that started it all is holding up its responsibilities admirably.”

For the price, it’s an easy choice. But maybe you don’t want an easy choice. So read on.

See the rest of the story at Business Insider

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