KOORLETO

Canada

2010-07-06T20:02:00.000+03:00

Canada (play /ˈkænədə/) is a country occupying most of northern North America, extending from the Atlantic Ocean in the east to the Pacific Ocean in the west and northward into the Arctic Ocean. It is the world's second largest country by total area. Canada's common border with the United States to the south and northwest is the longest in the world.

The land occupied by Canada was inhabited for millennia by various groups of Aboriginal peoples. Beginning in the late 15th century, British and French expeditions explored, and later settled, along the Atlantic coast. France ceded nearly all of its colonies in North America in 1763 after the Seven Years' War. In 1867, with the union of three British North American colonies through Confederation, Canada was formed as a federal dominion of four provinces.[10][11] This began an accretion of provinces and territories and a process of increasing autonomy from the United Kingdom. This widening autonomy was highlighted by the Statute of Westminster of 1931 and culminated in the Canada Act of 1982, which severed the vestiges of legal dependence on the British parliament.

A federation consisting of ten provinces and three territories, Canada is governed as a parliamentary democracy and a constitutional monarchy with Queen Elizabeth II as its head of state. It is a bilingual nation with both English and French as official languages at the federal level. One of the world's highly developed countries, Canada has a diversified economy that is reliant upon its abundant natural resources and upon trade—particularly with the United States, with which Canada has had a long and complex relationship. It is a member of the G8, G-20, NATO, OECD, WTO, Commonwealth, Francophonie, OAS, APEC, and UN.

Windows Media Services

2010-07-06T19:57:00.001+03:00

Windows Media Services (WMS) is a streaming media server from Microsoft that allows an administrator to generate streaming media (audio/video). Only Windows Media, JPEG, and MP3 formats are supported. WMS is the successor of NetShow Services.
In addition to streaming, WMS also has the ability to cache and record streams, enforce authentication, impose various connection limits, restrict access, use multiple protocols, generate usage statistics, and apply forward error correction (FEC). It can also handle a high number of concurrent connections making it ideal[weasel words] for content providers. Streams can also be distributed between servers as part of a distribution network where each server ultimately feeds a different network/audience. Both unicast and multicast streams are supported (multicast streams also utilize a proprietary and partially encrypted Windows Media Station (*.nsc) file for use by a player.) Typically, Windows Media Player is used to decode and watch/listen to the streams, but other players are also capable of playing unencrypted Windows Media content (Microsoft Silverlight, VLC, MPlayer, etc.)

64-bit versions of Windows Media Services are also available for increased scalability. The Scalable Networking Pack for Windows Server 2003 adds support for network acceleration and hardware-based offloading, which boosts Windows Media server performance. The newest version, Windows Media Services 2008, for Windows Server 2008, includes a built-in WMS Cache/Proxy plug-in which can be used to configure a Windows Media server either as a cache/proxy server or as a reverse proxy server so that it can provide caching and proxy support to other Windows Media servers. Microsoft claims that these offloading technologies nearly double the scalability, making Windows Media Services the industry's most powerful streaming media server.

Windows Media Services 2008 is no longer included with the setup files for the Windows Server 2008 operating system, but is available as a free download.

Broadband Internet access

2010-07-06T19:40:00.000+03:00

Broadband Internet access, often shortened to just broadband, is a high data rate Internet access—typically contrasted with dial-up access using a 56k modem.

Dial-up modems are limited to a bitrate of less than 56 kbit/s (kilobits per second) and require the full use of a telephone line—whereas broadband technologies supply more than double this rate and generally without disrupting telephone use.

Although various minimum bandwidths have been used in definitions of broadband, ranging up from 64 kbit/s up to 2.0 Mbit/s, the 2006 OECD report is typical by defining broadband as having download data transfer rates equal to or faster than 256 kbit/s, while the United States (US) Federal Communications Commission (FCC) as of 2009, defines "Basic Broadband" as data transmission speeds exceeding 768 kilobits per second (Kbps), or 768,000 bits per second, in at least one direction: downstream (from the Internet to the user’s computer) or upstream (from the user’s computer to the Internet). The trend is to raise the threshold of the broadband definition as the marketplace rolls out faster services.

Data rates are defined in terms of maximum download because several common consumer broadband technologies such as ADSL are "asymmetric"—supporting much slower maximum upload data rate than download.

phone company

2010-07-06T19:38:00.000+03:00

A telephone company (telco or telecommunications operator) is a service provider of telecommunications services such as telephony and data communications access. Many were at one time nationalized or state-regulated monopolies. These monopolies are often referred to, primarily in Europe, as PTTs.

Telcos are also known as common carriers, and in the United States as local exchange carriers. With the advent of cellular telephony, telcos now include wireless carriers, or mobile network operators.

Most telcos now also function as internet service providers (ISPs), and the distinction between telco and ISP may disappear completely over time, as the current trend for supplier convergence in the industry continues.

Telephone companies have a range of sizes. Microtelco is a small-scale telecom operator that combine local entrepreneurship, new business models, and low-cost technologies to offer ICT services in areas of little interest to large operators.See Village telco

Remote Desktop Services

2010-07-06T19:31:00.000+03:00

Remote Desktop Services, formerly known as Terminal Services, is one of the components of Microsoft Windows (both server and client versions) that allows a user to access applications and data on a remote computer over a network. Terminal Services is Microsoft's implementation of thin-client terminal server computing, where Windows applications, or even the entire desktop of the computer running terminal services, are made accessible to a remote client machine. The client can either be a fully-fledged computer, running any operating system as long as the terminal services protocol is supported, or a barebone machine powerful enough to support the protocol (such as Windows FLP). With terminal services, only the user interface of an application is presented at the client. Any input to it is redirected over the network to the server, where all application execution takes place.[1] This is in contrast to appstreaming systems, like Microsoft Application Virtualization, in which the applications, while still stored on a centralized server, are streamed to the client on-demand and then executed on the client machine.

Bachelor of Ayurveda, Medicine and Surgery

2010-07-06T19:19:00.000+03:00

Bachelor of Ayurveda, Medicine and Surgery ( B.A.M.S ) is a medical degree in India, conferred to those who have studied the integrated system of modern medicine and traditional ayurveda. The degree is of five and half years duration, including 1 year internship. The person having a BAMS degree can practice anywhere in India.There is also teaching of modern anatomy,physiology,principles of medicine,social and preventive medicine,pharmacology,toxicology,forensic medicine,botany,ENT,principles of surgery,etc along with ayurvedic topics. There are post graduate courses available after BAMS, such as M.A.Sc.

Ayurvedacharya title is given to the recipient of a Bachelor Degree of Ayurvedic Medicine and Surgery (BAMS) by an accredited University.

This Sanskrit word is composed of two parts, Ayurveda means Science of Life and Acharya (lit. master). The title denotes a master or expert in the understanding and practice of Ayurveda. Doctorate also awarded.

As per Indian heritage and science "Ayurveda" is a Upaveda or anexture of four main vedas(Knowledge Systems). The famous treaties of Ayurveda, "Charaka Samhita" by sage "agnivesa",which was later redacted by sage Charaka, details the general medicine of ayurveda . "Sushruta Samhita" of Sage "Sushruta" (compiled by Buddhist Monk Abbot Nagarjuna Bodhisattva) deals Ayurvedic surgical procedures . Finally is Vaghata's Astanga Hridayam and Astanga sangraha which are independent compilation work on above two.

In the Ayurvedic system, prevention of all types of diseases have a more prominent place,including restructuring of the patient's lifestyle to align with the course of nature and the six seasons, which will help with

Blue Cross and Blue Shield Association

2010-07-06T19:11:00.000+03:00

Blue Cross and Blue Shield developed separately, with Blue Cross plans providing coverage for hospital services, while Blue Shield covered physicians' services.

Blue Cross is a name used by an association of health insurance plans throughout the United States. Its predecessor was developed in 1929, by Justin Ford Kimball, at Baylor University in Dallas, Texas.] The first plan guaranteed teachers 21 days of hospital care for $6 a year, and was later extended to other employee groups in Dallas, and then nationally.[6] The American Hospital Association (AHA) adopted the Blue Cross symbol in 1939 as the emblem for plans meeting certain standards. In 1960 the AHA commission was superseded by the Blue Cross Association. Affiliation with the AHA was severed in 1972.

The Blue Shield concept was developed at the beginning of the 20th century by employers in lumber and mining camps of the Pacific Northwest to provide medical care by paying monthly fees to medical service bureaus composed of groups of physicians. The first official Blue Shield Plan was founded in California in 1939. In 1948 the symbol was informally adopted by nine plans called the Associated Medical Care Plan, and was later renamed the National Association of Blue Shield Plans.

In 1982 Blue Shield merged with The Blue Cross Association to form the Blue Cross and Blue Shield Association.

Prior to the Tax Reform Act of 1986, organizations administering Blue Cross Blue Shield were tax exempt under 501(c)(4) as social welfare plans. However, the Tax Reform Act of 1986 revoked that exemption because the plans sold commercial-type insurance. They became 501(m) organizations, subject to federal taxation but entitled to "special tax benefits" under IRC 833. In 1994, the Blue Cross Blue Shield Association changed to allow its licensees to be for-profit corporations. Some plans[specify] are still considered not-for-profit at the state level.

Affiliate marketing

2010-07-06T18:57:00.000+03:00

Affiliate marketing is a marketing practice in which a business rewards one or more affiliates for each visitor or customer brought about by the affiliate's marketing efforts. Examples include rewards sites, where users are rewarded with cash or gifts, for the completion of an offer, and the referral of others to the site. The industry has four core players: the merchant (also known as 'retailer' or 'brand'), the network, the publisher (also known as 'the affiliate') and the customer. The market has grown in complexity to warrant a secondary tier of players, including affiliate management agencies, super-affiliates and specialized third parties vendors.

Affiliate marketing overlaps with other Internet marketing methods to some degree, because affiliates often use regular advertising methods. Those methods include organic search engine optimization, paid search engine marketing, e-mail marketing, and in some sense display advertising. On the other hand, affiliates sometimes use less orthodox techniques, such as publishing reviews of products or services offered by a partner.

Affiliate marketing—using one website to drive traffic to another—is a form of online marketing, which is frequently overlooked by advertisers. While search engines, e-mail, and website syndication capture much of the attention of online retailers, affiliate marketing carries a much lower profile. Still, affiliates continue to play a significant role in e-retailers' marketing strategies.

Airport terminal

2010-07-06T18:50:00.000+03:00

An airport terminal is a building at an airport where passengers transfer between ground transportation and the facilities that allow them to board and disembark from aircraft.

Within the terminal, passengers purchase tickets, transfer their luggage, and go through security. The buildings that provide access to the airplanes (via gates) are typically called concourses. However, the terms "terminal" and "concourse" are sometimes used interchangeably, depending on the configuration of the airport.

Smaller airports have one terminal while larger airports have several terminals and/or concourses. At small airports, the single terminal building typically serves all of the functions of a terminal and a concourse.

Some larger airports have one terminal that is connected to multiple concourses via walkways, sky-bridges, or underground tunnels (such as Denver International Airport). Some larger airports have more than one terminal, each with one or more concourses (such as New York's La Guardia Airport). Still other larger airports have multiple terminals each of which incorporate the functions of a concourse (such as Dallas/Fort Worth International Airport).

Most airport terminals are built in a plain style. However, some, such as Baghdad International Airport, are monumental in stature, while others are considered architectural masterpieces, such as Terminal 1 at Charles de Gaulle airport near Paris or Terminal 5 at New York's JFK Airport. A few are designed to reflect the culture of a particular area, some examples being the terminal at Albuquerque International Sunport in New Mexico, which is designed in the Pueblo Revival style popularized by architect John Gaw Meem, as well as the terminal at Bahías de Huatulco International Airport in Huatulco, Oaxaca, Mexico, which features some palapas that are interconnected to form the airport terminal.

Associate's degree

2010-07-06T18:43:00.000+03:00

An associate's degree is an undergraduate academic degree awarded by community colleges, junior colleges, technical colleges and some four-year bachelors degree-granting colleges and universities upon completion of a course of study usually lasting two years. In the United States and, uncommonly, in Canada, an associate's degree is equivalent to the first two years of a four-year college or university degree. It is the lowest in the hierarchy of post-secondary academic degrees offered in these countries.

It is roughly equivalent to the foundation degree and the Business and Technology Education Council's Higher National Diploma in Britain, the two-year General Academic Studies Degree (French: diplôme d'études universitaires générales, DEUG) in France, the Further Education and Training Awards Council's Advanced Certificate and Higher Education and Training Awards Council's Higher National Certificate in the Republic of Ireland. In 2000, Hong Kong introduced associate's degrees, as an equivalence to higher diplomas. These programmes are mainly provided through affiliated colleges at universities. In 2004, Australia added "associate degree" to the Australian Qualifications Framework. This title was given to more academically focused advanced diploma courses. However, very few courses yet use the new title.

Computer data storage

2010-07-01T07:51:00.000+03:00

Computer data storage, often called storage or memory, refers to computer components and recording media that retain digital data used for computing for some interval of time. Computer data storage provides one of the core functions of the modern computer, that of information retention. It is one of the fundamental components of all modern computers, and coupled with a central processing unit (CPU, a processor), implements the basic computer model used since the 1940s.

In contemporary usage, memory usually refers to a form of semiconductor storage known as random-access memory (RAM) and sometimes other forms of fast but temporary storage. Similarly, storage today more commonly refers to mass storage — optical discs, forms of magnetic storage like hard disk drives, and other types slower than RAM, but of a more permanent nature. Historically, memory and storage were respectively called main memory and secondary storage (or auxiliary storage). Auxiliary storage (or auxiliary memory units) was also used to represent memory which was not directly accessible by the CPU (secondary or tertiary storage). The terms internal memory and external memory are also used.

The contemporary distinctions are helpful, because they are also fundamental to the architecture of computers in general. The distinctions also reflect an important and significant technical difference between memory and mass storage devices, which has been blurred by the historical usage of the term storage. Nevertheless, this article uses the traditional nomenclature.

Laser hair removal

2010-07-01T07:30:00.001+03:00

Epilation by laser was performed experimentally for about 20 years before it became commercially available in the mid 1970s. Intense Pulsed Light (IPL) epilators, though technically not a laser, use xenon flash lamps that emit full spectrum light. Laser and light-based methods, sometimes called phototricholysis or photoepilation, are now most commonly referred to collectively as "laser hair removal". One of the first published articles describing laser hair removal was authored by the group at Massachusetts General Hospital in 1998.

The efficacy of laser hair removal is now generally accepted in the dermatology community, and laser hair removal is widely practiced. Many reviews of laser hair removal methods, safety, and efficacy have been published in the dermatology literature.

Domain name registry

2010-07-01T07:20:00.000+03:00

A domain name registry, is a database of all domain names registered in a top-level domain. A registry operator, also called a Network Information Center (NIC), is the part of the Domain Name System (DNS) of the Internet that keeps the database of domain names, and generates the zone files which convert domain names to IP addresses. Each NIC is an organisation that manages the registration of Domain names within the top-level domains for which it is responsible, controls the policies of domain name allocation, and technically operates its top-level domain. It is potentially distinct from a domain name registrar.

Domain names are managed under a hierarchy headed by the Internet Assigned Numbers Authority (IANA), which manages the top of the DNS tree by administrating the data in the root nameservers.

IANA also operates the .int registry for intergovernmental organisations, the .arpa zone for protocol administration purposes, and other critical zones such as root-servers.net.

IANA delegates all other domain name authority to other domain name registries such as VeriSign.

Country code top-level domains (ccTLD) are delegated by IANA to national registries such as DENIC in Germany and Nominet in the United Kingdom

Mesothelioma

2010-07-01T07:16:00.000+03:00

Mesothelioma, more precisely malignant mesothelioma, is a rare form of cancer that develops from the protective lining that covers many of the body's internal organs, the mesothelium. It is usually caused by exposure to asbestos.

Its most common site is the pleura (outer lining of the lungs and internal chest wall), but it may also occur in the peritoneum (the lining of the abdominal cavity), the heart, the pericardium (a sac that surrounds the heart) or tunica vaginalis.

Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos dust and fiber in other ways. It has also been suggested that washing the clothes of a family member who worked with asbestos can put a person at risk for developing mesothelioma. Unlike lung cancer, there is no association between mesothelioma and smoking, but smoking greatly increases the risk of other asbestos-induced cancers. Compensation via asbestos funds or lawsuits is an important issue in mesothelioma (see asbestos and the law).

The symptoms of mesothelioma include shortness of breath due to pleural effusion (fluid between the lung and the chest wall) or chest wall pain, and general symptoms such as weight loss. The diagnosis may be suspected with chest X-ray and CT scan, and is confirmed with a biopsy (tissue sample) and microscopic examination. A thoracoscopy (inserting a tube with a camera into the chest) can be used to take biopsies. It allows the introduction of substances such as talc to obliterate the pleural space (called pleurodesis), which prevents more fluid from accumulating and pressing on the lung. Despite treatment with chemotherapy, radiation therapy or sometimes surgery, the disease carries a poor prognosis. Research about screening tests for the early detection of mesothelioma is ongoing.

Internet marketing

2010-07-01T07:12:00.001+03:00

The Internet has brought media to a global audience. The interactive nature of Internet marketing in terms of providing instant response and eliciting responses, is a unique quality of the medium. Internet marketing is sometimes considered to have a broader scope because it not only refers to the Internet, e-mail, and wireless media, but it includes management of digital customer data and electronic customer relationship management (ECRM) systems.

Internet marketing ties together creative and technical aspects of the Internet, including: design, development, advertising, and sales.

Internet marketing also refers to the placement of media along many different stages of the customer engagement cycle through search engine marketing (SEM), search engine optimization (SEO), banner ads on specific websites, e-mail marketing, and Web 2.0 strategies. In 2008 The New York Times, working with comScore, published an initial estimate to quantify the user data collected by large Internet-based companies. Counting four types of interactions with company websites in addition to the hits from advertisements served from advertising networks, the authors found the potential for collecting data upward of 2,500 times on average per user per month.

Mobile phone radiation and health

2010-07-01T07:10:00.001+03:00

The effect mobile phone radiation has on human health is the subject of recent interest and study, as a result of the enormous increase in mobile phone usage throughout the world (as of June 2009[update], there were more than 4.3 billion users worldwide). Mobile phones use electromagnetic radiation in the microwave range, which some believe may be harmful to human health. A large body of research exists, both epidemiological and experimental, in non-human animals and in humans, that shows overall no evidence for harmful effects. Other digital wireless systems, such as data communication networks produce similar radiation.

The World Health Organization, based upon the consensus view of the scientific and medical communities, has stated that cancer is unlikely to be caused by cellular phones or their base stations and that reviews have found no convincing evidence for other health effects. The WHO expects to make recommendations about mobile phones in 2010. Some national radiation advisory authorities have recommended measures to minimize exposure to their citizens as a precautionary approach.

i-broker

2010-07-01T07:07:00.000+03:00

An i-broker is a "banker for data" or "ISP for identity services" — a trusted third party that helps individuals and organizations share private data the same way banks help exchange funds and ISPs help exchange e-mail and files. The term was introduced in the Social Web paper describing how a new layer of Internet infrastructure is possible based on the OASIS XRI and XDI specifications. However the concept of an i-broker is not specific to any one technology or protocol, but rather a business and social function, similar to that of a bank or an ISP.

Just as banks offer a wide range of financial services associated with an account, and ISPs a wide range of Internet services, i-brokers will offer a wide range of identity and data sharing applications. As with e-mail and web hosting, some i-brokers will specialize in services for personal account holders, some will concentrate on the business and government market, and some will be full-service brokers handling all types of accounts. In all cases, the sensitivity of the data involved will demand of i-brokers the same high standards of accountability and trust demanded in the global banking system. Unlike the banking system, however, it is unlikely i-brokers will be highly regulated. Instead good behavior is more likely to be enforced by online reputation systems.

Just as people use different banking and brokerage accounts for different financial services, they are likely to use multiple i-brokers for sharing different sets of data (personal, financial, medical, vocational, etc.). However with data sharing technology such as XDI link contracts, an account holder can choose to link all of their i-broker accounts, or selected accounts, or none at all — the same way a web site author determines which pages on the site link to each other.

As more digital identity protocols and standards come to market, other types of service providers will be in a position offer i-brokering services, including social networks, portals, domain name registrars, internet service providers (ISPs), banks, insurance companies, wired and wireless phone companies and e-commerce sites.

XDI.org is the first public trust organization for i-brokers. XDI.org maintains a set of Global Services Specifications (GSS) governing i-broker accreditation and policy management, and a set of I-Services Specifications (ISS) defining interoperable identity services.

I-Brokers are sometimes referred to as a homesite, or PIP (Personal Identity Provider), or IdP (Identity Provider)

Laptop Computer

2010-06-04T02:14:00.000+03:00

A laptop is a personal computer designed for mobile use and small and light enough to sit on a person's lap while in use. A laptop integrates most of the typical components of a desktop computer, including a display, a keyboard, a pointing device (a touchpad, also known as a trackpad, and/or a pointing stick), speakers, and often including a battery, into a single small and light unit. The rechargeable battery (if present) is charged from an AC adapter and typically stores enough energy to run the laptop for three to five hours in its initial state, depending on the configuration and power management of the computer.

Laptops are usually notebook-shaped with thicknesses between 0.7–1.5 inches (18–38 mm) and dimensions ranging from 10x8 inches (27x22cm, 13" display) to 15x11 inches (39x28cm, 17" display) and up. Modern laptops weigh 3 to 12 pounds (1.4 to 5.4 kg); older laptops were usually heavier. Most laptops are designed in the flip form factor to protect the screen and the keyboard when closed. Modern tablet laptops have a complex joint between the keyboard housing and the display, permitting the display panel to swivel and then lie flat on the keyboard housing.

Laptops were originally considered to be "a small niche market" and were thought suitable mostly for "specialized field applications" such as "the military, the Internal Revenue Service, accountants and sales representatives". But today, there are already more laptops than desktops in businesses, and laptops are becoming obligatory[clarification needed][citation needed] for student use and more popular for general use. In 2008 and 2009 more laptops than desktops were sold in the US

Email Hosting

2010-06-04T02:13:00.000+03:00

An e-mail hosting service is an Internet hosting service that runs e-mail servers.

E-mail hosting services usually offer premium e-mail at a cost as opposed to advertising supported free e-mail or free webmail. E-mail hosting services thus differ from typical end-user e-mail providers such as webmail sites. They cater mostly to demanding e-mail users and Small and Mid Size (SME) businesses, while larger enterprises usually run their own e-mail hosting service. E-mail hosting providers allow for premium e-mail services along with custom configurations and large number of accounts. In addition, hosting providers manage user's own domain name, including any e-mail authentication scheme that the domain owner wishes to enforce in order to convey the meaning that using a specific domain name identifies and qualifies e-mail senders.

Most e-mail hosting providers offer advanced premium e-mail solutions hosted on dedicated custom e-mail platforms. The technology and offerings of different e-mail hosting providers can therefore vary with different needs. E-mail offered by most webhosting companies is usually more basic standardized POP3 based e-mail and webmail based on open source webmail applications like Horde or SquirrelMail. Almost all webhosting providers offer standard basic e-mail while not all e-mail hosting providers offer webhosting.

Videoconferencing

2010-06-04T02:09:00.000+03:00

Videoconferencing uses telecommunications of audio and video to bring people at different sites together for a meeting. This can be as simple as a conversation between two people in private offices (point-to-point) or involve several sites (multi-point) with more than one person in large rooms at different sites. Besides the audio and visual transmission of meeting activities, videoconferencing can be used to share documents, computer-displayed information, and whiteboards.

Simple analog videoconferences could be established as early as the invention of the television. Such videoconferencing systems usually consisted of two closed-circuit television systems connected via cable. An example of that was the German Reich Postzentralamt (Post Office) network set up in Berlin and several other cities from 1936 to 1940.

During the first manned space flights, NASA used two radiofrequency (UHF or VHF) links, one in each direction. TV channels routinely use this kind of videoconferencing when reporting from distant locations, for instance. Then mobile links to satellites using specially equipped trucks became rather common.

This technique was very expensive, though, and could not be used for applications such as telemedicine, distance education, and business meetings. Attempts at using normal telephony networks to transmit slow-scan video, such as the first systems developed by AT&T, failed mostly due to the poor picture quality and the lack of efficient video compression techniques. The greater 1 MHz bandwidth and 6 Mbit/s bit rate of Picturephone in the 1970s also did not cause the service to prosper.

It was only in the 1980s that digital telephony transmission networks became possible, such as ISDN, assuring a minimum bit rate (usually 128 kilobits/s) for compressed video and audio transmission. The first dedicated systems started to appear in the market as ISDN networks were expanding throughout the world. Video teleconference systems throughout the 1990s rapidly evolved from highly expensive proprietary equipment, software and network requirements to standards based technology that is readily available to the general public at a reasonable cost.

Finally, in the 1990s, IP (Internet Protocol) based videoconferencing became possible, and more efficient video compression technologies were developed, permitting desktop, or personal computer (PC)-based videoconferencing. In 1992 CU-SeeMe was developed at Cornell by Tim Dorcey et al. In the 2000s, VTC finally arrived for the masses via free services, web plugins and on-line telecommunication programs which brought cheap, albeit low-quality, videoconferencing to almost every home with an Internet connection.

Credit counseling

2010-06-04T02:07:00.000+03:00

Credit counseling (known in the United Kingdom as debt counseling) is a process offering education to consumers about how to avoid incurring debts that cannot be repaid through establishing an effective Debt Management Plan and Budget. Credit counseling is usually less typified by functions of credit education or the psychology of spending habits, rather credit counseling establishes a planned method of debt relief, typically through a Debt Management Plan.

Credit counseling often involves negotiating with creditors to establish a debt management plan (DMP) for a consumer. A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client. Credit counselors refer to the terms dictated by the creditors to determine payments or interest reductions offered to consumers in a debt management plan.

Credit (finance)

2010-06-04T02:02:00.000+03:00

Credit is the provision of resources (such as granting a loan) by one party to another party where that second party does not reimburse the first party immediately, thereby generating a debt, and instead arranges either to repay or return those resources (or material(s) of equal value) at a later date. It is any form of deferred payment. The first party is called a creditor, also known as a lender, while the second party is called a debtor, also known as a borrower.

Movements of financial capital are normally dependent on either credit or equity transfers. Credit is in turn dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.

Credit need not necessarily be based on formal monetary systems. The credit concept can be applied in barter economies based on the direct exchange of goods and services, and some would go so far as to suggest that the true nature of money is best described as a representation of the credit-debt relationships that exist in society (Ingham 2004 p.12-19).

Credit is denominated by a unit of account. Unlike money (by a strict definition), credit itself cannot act as a unit of account. However, many forms of credit can readily act as a medium of exchange. As such, various forms of credit are frequently referred to as money and are included in estimates of the money supply.

Credit is also traded in the market. The purest form is the credit default swap market, which is essentially a traded market in credit insurance. A credit default swap represents the price at which two parties exchange this risk – the protection "seller" takes the risk of default of the credit in return for a payment, commonly denoted in basis points (one basis point is 1/100 of a percent) of the notional amount to be referenced, while the protection "buyer" pays this premium and in the case of default of the underlying (a loan, bond or other receivable), delivers this receivable to the protection seller and receives from the seller the par amount (that is, is made whole).

Online Banking

2010-06-04T01:56:00.000+03:00

The precursor for the modern home online banking services were the distance banking services over electronic media from the early '80s. The term online became popular in the late '80s and referred to the use of a terminal, keyboard and TV (or monitor) to access the banking system using a phone line. ‘Home banking’ can also refer to the use of a numeric keypad to send tones down a phone line with instructions to the bank. Online services started in New York in 1981 when four of the city’s major banks (Citibank, Chase Manhattan, Chemical and Manufacturers Hanover) offered home banking services using the videotex system. Because of the commercial failure of videotex these banking services never became popular except in France where the use of videotex (Minitel) was subsidised by the telecom provider and the UK, where the Prestel system was used.

The UK’s first home online banking services was set up by Bank of Scotland for customers of the Nottingham Building Society (NBS) in 1983 ("History of the Nottingham". http://www.thenottingham.com/main.asp?p=1710. Retrieved 2007-12-14. ). The system used was based on the UK's Prestel system and used a computer, such as the BBC Micro, or keyboard (Tandata Td1400) connected to the telephone system and television set. The system (known as 'Homelink') allowed on-line viewing of statements, bank transfers and bill payments. In order to make bank transfers and bill payments, a written instruction giving details of the intended recipient had to be sent to the NBS who set the details up on the Homelink system. Typical recipients were gas, electricity and telephone companies and accounts with other banks. Details of payments to be made were input into the NBS system by the account holder via Prestel. A cheque was then sent by NBS to the payee and an advice giving details of the payment was sent to the account holder. BACS was later used to transfer the payment directly.

Stanford Federal Credit Union was the first financial institution to offer online internet banking services to all of its members in Oct, 1994.

Today, many banks are internet only banks. Unlike their predecessors, these internet only banks do not maintain brick and mortar bank branches. Instead, they typically differentiate themselves by offering better interest rates and online banking features.

Satellite television

2010-06-04T01:48:00.000+03:00

The first satellite television signal was relayed from Europe to the Telstar satellite over North America in 1962. The first geosynchronous communication satellite, Syncom 2, was launched in 1963. The world's first commercial communication satellite, called Intelsat I (nicknamed Early Bird), was launched into synchronous orbit on April 6, 1965. The first national network of satellite television, called Orbita, was created in Soviet Union in 1967, and was based on the principle of using the highly elliptical Molniya satellite for re-broadcasting and delivering of TV signal to ground downlink stations. The first domestic North American satellite to carry television was Canada’s geostationary Anik 1, which was launched in 1972.[1] ATS-6, the world's first experimental educational and Direct Broadcast Satellite, was launched in 1974. The first Soviet geostationary satellite to carry Direct-To-Home television, called Ekran, was launched in 1976.

Satellite

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In the context of spaceflight, a satellite is an object which has been placed into orbit by human endeavor. Such objects are sometimes called artificial satellites to distinguish them from natural satellites such as the Moon.

The first artificial satellite, Sputnik 1, was launched by the Soviet Union in 1957. By 2010 thousands of satellites have been launched into orbit around the Earth. These originate from more than 50 countries and have used the satellite launching capabilities of ten nations. A few hundred satellites are currently operational, whereas thousands of unused satellites and satellite fragments orbit the Earth as space debris. A few space probes have been placed into orbit around other bodies and become artificial satellites to the Moon, Venus, Mars, Jupiter and Saturn.

Satellites are used for a large number of purposes. Common types include military and civilian Earth observation satellites, communications satellites, navigation satellites, weather satellites, and research satellites. Space stations and human spacecraft in orbit are also satellites. Satellite orbits vary greatly, depending on the purpose of the satellite, and are classified in a number of ways. Well-known (overlapping) classes include low Earth orbit, polar orbit, and geostationary orbit.

Satellites are usually semi-independent computer-controlled systems. Satellite subsystems attend many tasks, such as power generation, thermal control, telemetry, attitude control and orbit control.