Photograph an event, record the GPS locationwith a timestamp. The address detection links to the map, add anote and save the image . Perfect to identify people, places andthings. Especially useful for genealogists to record gravesites.

REAL ESTATE INVESTMENT STRATEGYBuy a million dollars worth of real estate on borrowed money.Rent it to break even. If the inflation rate is 13%, as it was in1980 you just made a $130,000. Write off the interest and wait fornext year. Remember the borrowed money is not taxable until yousell the real estate.What if you could see the future? Well you can! If newconstructions costs are rising, it’s time to buy existing propertyto take advantage of the projected inflationary increase invalue.During INFLATION, buy equities.During DEFLATION, buy debt.There is some unusual arithmetic relating to purchasing a home.The notion that the value of the land added to the value of thehouse equals the value of the property is a FALLACY.In this analysis, we look at real estate as a capitalist. Mostconventional appraisal methodologies use a quasi-socialistapproach. A capitalist sees property value differently.In theory, the value of a stock is the discounted present valueof its accumulated dividends forever. We can look at real estate insimilar manner. Rent can be thought of as stock dividends. Forowner occupied property homeowner costs can substitute forrent.As capitalist, we are concerned with our return on capital. Theratio of rent/down payment is our return on capital.In 1970 the Federal Reserve had pushed interest rates to 10%.So, the rent house that rents for $1,000 per month,($10,000 peryear after insurance and taxes) is worth $100,000 to a capitalist.That is, 10% of $100,000 is $10,000 per year or $1000 per month. Inthe early 1990's the Federal Reserve pushed the intersect rate downto 5%. Now $1,000 per month, $10,000 per is 5% of $200,000. Thatrent house became worth $200,000. If the Federal Reserve pushes theinterest to 1% then $1,000 per month, $10,000 per is year is 1% of$1,000,000 and if the interest rate goes to 0, divide by 0 isundefined and capitalism fails.ON OUR GRAPHSClick on "% Down Payment" button. Each button produces a graph.The RED line is the YIELD, the return on capital after selling theproperty adjusted for taxes and inflation.The BLUE line is the return of CASH FLOW adjusted for taxes.The YIELD can also be thought of as interest rates and comparedto what you would earn in a savings account or otherinvestments.PERCENT DOWN PAYMENT GRAPHThis is the most relevant graph. The buy point is where the CASHFLOW (blue line) becomes negative (goes below the middle line).This is the optimal DOWN PAYMENT percent as seen on the X axis(bottom line) to break even. The YIELD is the corresponding pointon the RED line. As long as CASH FLOW is positive you can buy moreproperty forever.Always do worst case analysis. If you can stand the worst caseit's probably a good investment.INFLATIONIn 1980 the inflation rate was 13.91%.Historically, Inflation has been the driving force behind therise in property values. Real estate agents mistakenly call thisAPPRECIATION. When lumber, nails, labor, steel, glass and concrete,etc.. cost more. When new homes cost, for instance, 10% more, anexisting homes value will rise 10%, because it would cost more torebuild it. There is a time lag, but it will catch up. This is howinflation works.CAPITAL GAINS TAXFederal income tax rates can have a drastic effect on propertyvalues. In 2013 the CAPITAL GAINS rate is 15%, before that 20%, 28%and 35%, in Australia in 2012 it's 50%.Capital assets like a house are given preferential taxtreatment. In theory, CAPITAL GAINS should not be taxed, because inan ideal economy the only way a property can rise in value would bebecause of devaluation of the currency, called inflation and therise in value would be nothing more than an adjustment to maintainthe purchasing of the dollar.In 2012 the tax rate for a married couple with $88,000 ofCAPITAL GAINS and qualified dividends (which also get special taxtreatment) is $0.00.

Persons with dementia regresses. In additionto loss of memory, motor, language and thinking skills they exhibitchild like behavior.If we can measure the adult child age, we can constructappropriate activities. The also gives us a hint as to time left.Five year olds go to kindergarten, and play with other kids theirown age.Often they live completely in the NOW. like in Buddhism beingone with the environment. But, living in fear with sense ofparanoia without awareness of time or location and everything isunfamiliar, even though they have been there many times before.They can't read, write or do arithmetic or even carry on anintelligent conversation. For a 2 year old we want to hug cuddlethem and have stupid disconnected conversations. A 4 year will berebellious want to assert independence. The child age gives a clueas to how to related them as we send them off into the sunset oflive.Note: In the case of Alzheimer's, as the brain becomes filledwith plaque bodily functions decline. We also see this in cancerpatients with Glioma brain tumors having a similar effect.Check the relevant checkboxes. There are over 200 observationsto select from. Press Compute to calculate their child age. This isuseful to segregate patients into age groups. Much like we do withchildren.

Getting a loan? Compute and manipulate thenumbers to your advantage.The interest rate here has a name, it's called the APR (annualpercentage rate), this reflects the real time value of money.Many reputable lenders cheat, they use a method, which prior to1940, was only used by loan sharks, called the rule of 78's.The rule of 78s is different way of calculating interest in eachpayment. This method is called front loading. Meaning you pay moreinterest at the beginning of the loan than the time value of moneywould require. Why is this a rip-off?Here is a thought experiment. If all the first payments areinterest and you payoff the loan early, you will pay the fullamount you borrowed plus interest that never accrued.Here is an example: You borrow 10,000 and your payment is $200.Normally based on the time value of money a part of each payment isinterest. At first a little over half the payment is interest ($100approx.) declining over 7 years of the loan to the last paymentwhere the interest component is $0. The reason that the interestcost declines is that as you make payments the amount borrowedbecomes less making the interest owed less.What if the beginning payments were all interest until all theinterest was paid after which you started paying off the amount youborrowed? At the end of 3 year you have paid off all the interestnow you can start paying of the loan. But what if you now paid offthe loan. You would have paid $6,800 interest plus the original$10,000 loan for a total of $16,800 instead of $4,000 interest(based on the time value of money) plus the original $10.000 or$14,000. You would have paid $2,000 extra.Now the rule of 78’s in not this extreme, but you get theidea.Mortgage lenders who make long-term loans (20-30 years) are moreup-front about it. The charge what are called points up-front,which is really just prepaid interest. Again if you pay off early,you paid too much. They count of this.When we get married we think it will be forever. For car andhouse loans people change their mind every 3 to 5 years. Formarriages it's a little longer. So avoid the rule of 78’s andup-front “points”. Ask for a amortizing loan based on the timevalue of money with 0 points.Double check what the lender tells you. What should the paymentbe vs. what they quote? What is wrong with their numbers? Let seewhat they are really doing. Enter the length of the loan, interestrate, and loan amount and compute what the payment should be. Putin their payment, press % to see what interest they are reallycharging you. This is powerful tool for manipulating the numbers toyour advantage.Buy a house.PV = 300,000% = 3.75N = 30 yearsPress Pmt - to see the required monthly payment.But what if you want a lower payment?Enter the new payment (Pmt)Press % - to see the required interestorPress N - to see the see the required yearsWhat if you want to make the payments yearly, press the"Monthly" button several times to get to "Yearly", the payment willrecalculate.The interest rate (%) and years on loan (N) are alwaysyearly/annual numbers.The Pmt is Yearly, Monthly etc. Depending on the setting.About the author: Having been a real estate broker for 40 years.I have seen all sorts of slimy lending practices. Armed with a toollike this is your best defense again getting robbed..

By the time you reach 75 years old, you willneed four times as much light as a 20 year old, in order to seesatisfactorily.INCANDESCENT, full spectrum is the most desirable type oflight. It can be achieved with energy efficient “T” seriesFLUORESCENT bulbs with a high color rendering index (CRI)90-100.For bulb selection1. you need to know the dimensions of the room;2. how BRIGHT you want room lighted as measured in LUX;3. the COLOR of light in KELVIN;4. and the QUALITY of the light measured by the color rendering(CRI) index.5. select the appropriate bulb and note how many LUMENS of light itwill produce.Then calculate the number of florescent bulbs with the your CRIrating as necessary to accomplish the task and with powerconsumption in mind (WATTS), select the type of fixture.LUX (Lx) BRIGHTNESS IN LUXOne Lux - is one lumen per square meter.3.4 lux - twilight50 lux - living room80 lux - office hallway100 lux - overcast day350-500 lux - office lighting400 lux - sunrise1000 lux - overcast day10,000-25,000 - daylight32,000-130,000 - sunlightKELVIN (K) is the COLOR of the LIGHTcalled COLOR TEMPERATURE3000K – warm white4200K – cool white5000K - daylight2700 K - residential lighting (Incandescent light)3000-3500 K - neutral-white4100 K - cool-white in offices5000-6500 K - blueish-whiteCRI is the QUALITY of the lightcalled the COLOR RENDERING INDEXand is a measure of how well colors can be perceived.100 CRI - incandescent lamp50-100 CRI - fluorescent tubes82-100 CRI - natural color (full spectrum)POWER CONSUMPTIONas measured in Watts. Incandescent lights are full spectrum but areenergy hogs. Florescent lighting is more energy efficient.The high efficiency bulbs are labeled with “T” - T12, T8, T5etc..."T" is the diameter of the tube in the lamp. Typicallynarrower the lamp diameter the more efficient it will be.T12’s have not bee manufactured since 2012.Seniors - Printed materials are not as clear as before, in partbecause the lens in your eye becomes less flexible with time.Changes within the lens in your eye cause light entering the eye tobe scattered rather than focused precisely on the retina, thuscreating more glare. The normally clear lens located inside youreye may start to discolor making it harder to see and distinguishbetween certain shades of colors. The tear glands in your eyes willproduce fewer tears.Increasing the the amount of light, brightness called LUX canimprove vision.Bright Light Therapy - is used to gradually shift sleeping patternsto what we consider normal. For treatment, the timing of lightexposure uses a full-spectrum light (90-100 CRI) usually 10,000 LUXin intensity, for 30-90 minutes.Blue wavelengths -- boost attention, reaction times, and moodare about 5000 degrees Kelvin.As published in the The Journal of the American Medical Associationresearchers learned that bright light resulted in a modestimprovement in dementia symptoms. Specifically, the use of brightdaytime lighting:· Reduced cognitive decline on a mental status exam by a relative5%.· Cut depression symptoms by a relative 19%.· Calmed slow increases in functional limitations by slightly morethan half (53%).Dementia and Alzheimer's - For these people shadows in adarkened room can become something else, often menacing, and canlead to confusion and depression. A dark rug in a dimly lightedroom before a door may become a deep well.I installed 800 LUX of light – when I throw the light switch, Ifeel a burst of energy like I am waking up and my mind becomingclear.

Social Security Number Decoder Social Security Numbers containhidden information; where it was issued and the year of issue.Generally in earlier times children received their social securitynumbers when they turned 16.

Getting a loan? Compute and manipulatethenumbers to your advantage.The interest rate here has a name, it's called the APR(annualpercentage rate), this reflects the real time value ofmoney.Many reputable lenders cheat, they use a method, which priorto1940, was only used by loan sharks, called the rule of 78's.The rule of 78s is different way of calculating interest ineachpayment. This method is called front loading. Meaning you paymoreinterest at the beginning of the loan than the time value ofmoneywould require. Why is this a rip-off?Here is a thought experiment. If all the first paymentsareinterest and you payoff the loan early, you will pay thefullamount you borrowed plus interest that never accrued.Here is an example: You borrow 10,000 and your payment is$200.Normally based on the time value of money a part of eachpayment isinterest. At first a little over half the payment isinterest ($100approx.) declining over 7 years of the loan to thelast paymentwhere the interest component is $0. The reason that theinterestcost declines is that as you make payments the amountborrowedbecomes less making the interest owed less.What if the beginning payments were all interest until alltheinterest was paid after which you started paying off the amountyouborrowed? At the end of 3 year you have paid off all theinterestnow you can start paying of the loan. But what if you nowpaid offthe loan. You would have paid $6,800 interest plus theoriginal$10,000 loan for a total of $16,800 instead of $4,000interest(based on the time value of money) plus the original$10.000 or$14,000. You would have paid $2,000 extra.Now the rule of 78’s in not this extreme, but you gettheidea.Mortgage lenders who make long-term loans (20-30 years) aremoreup-front about it. The charge what are called pointsup-front,which is really just prepaid interest. Again if you payoff early,you paid too much. They count of this.When we get married we think it will be forever. For carandhouse loans people change their mind every 3 to 5 years.Formarriages it's a little longer. So avoid the rule of 78’sandup-front “points”. Ask for a amortizing loan based on thetimevalue of money with 0 points.Double check what the lender tells you. What should thepaymentbe vs. what they quote? What is wrong with their numbers?Let seewhat they are really doing. Enter the length of the loan,interestrate, and loan amount and compute what the payment shouldbe. Putin their payment, press % to see what interest they arereallycharging you. This is powerful tool for manipulating thenumbers toyour advantage.Buy a house.PV = 300,000% = 3.75N = 30 yearsPress Pmt - to see the required monthly payment.But what if you want a lower payment?Enter the new payment (Pmt)Press % - to see the required interestorPress N - to see the see the required yearsWhat if you want to make the payments yearly, press the"Monthly"button several times to get to "Yearly", the paymentwillrecalculate.The interest rate (%) and years on loan (N) arealwaysyearly/annual numbers.The Pmt is Yearly, Monthly etc. Depending on the setting.About the author: Having been a real estate broker for 40years.I have seen all sorts of slimy lending practices. Armed witha toollike this is your best defense again getting robbed.

Credit Card ValidationFrom the card number it is possible to derive the issuer andwhether the card is valid.The following cards are covered:JCBVisaLaserMaestroDiscoverMaster CardDiners ClubInstaPaymentVisa ElectronAmerican ExpressDiners Club InternationalDiners Club - USA & CanadaNote: This is not necessarily the active status of the card.