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Big success for the first post about this crazy dog!
Here you can find some more ?Text from Dog? ?kindly published by?@OctoberJones, via Tumblr?, in the past hours.
Enjoy!
@OCTOBERJONES - TEXT FROM DOG




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JUST PUBLISHED: CRAZY NEWS FOR DRUG ADDICTS
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Social Finance Inc., or SoFi, an alumni-funded student loan start-up that had a test run at Stanford University?s business school last year is looking to expand its brand of fixed rate private student loans to schools across the country.
SoFi, an evolved peer-to-peer lending operation?? really a community group-to-group lending operation, according to SoFi chairman and CEO Mike Cagney?? last year raised $2?million from 40 Stanford business school alumni, who invested an average of $50,000 each. The money was loaned to 100 graduate business students, who borrowed roughly $20,000 each. The private student loans will be repaid, with interest, to compensate investors and provide funds for future lending. Although the initial test-run loans at Stanford have yet to be repaid, SoFi is reaching out to alumni at three dozen institutions in an attempt to convince them to fund similar private education loans for students at those schools.
SoFi?s plan is to originate $150?million in student loans this year between the schools and the company said it will begin taking applications in June for new student loans for undergraduates and graduate students for the 2012?13 academic year. SoFi?s private student loans of between $5,000 and $100,000 will come with a fixed interest rate of 6.24?percent, which can be reduced to 5.99?percent if borrowers make automated payments?? both lower interest rates than the current rate for unsubsidized federal Stafford loans and possibly for subsidized federal Stafford loans if the 3.4?percent interest rate is allowed to double to 6.8?percent this summer. SoFi also plans to make consolidation loans of up to $200,000 with fixed interest rates of 5.99?percent, which, according to SoFi, is below the federal consolidation rate for most borrowers.
Alumni can invest directly in the school-specific loan pools, which have an anticipated annual rate of return of at least 5?percent after fees?? assuming no losses, which would happen if students defaulted on their loans?? or indirectly through a tax-favored option like an IRA. Investors also get a ?social return? by helping to further the reputation of their school and help its graduates succeed, Cagney said (?SoFi Tapping Alumni to Help With Student Loans,? The New York Times, April?3, 2012).
Mark Kantrowitz, financial aid expert and founder of FinAid.org, said that SoFi will likely encounter several challenges, including the economic feasibility of making student loans at below 6?percent. And since it might be difficult for SoFi to raise all the funds it needs through alumni, it would have to open its doors to outside, non-alumni investors at a difficult time for capital markets. Kantrowitz also expressed skepticism that SoFi will significantly reduce the risk of defaults, even though SoFi?s plan to ?cherry pick? by focusing heavily on graduate and business students may help. Additionally, although SoFi?s private loans may have lower interest rates than some federal student loans, SoFi?s loans don?t offer the repayment, deferment, and forgiveness options that are available with federal loans.
SoFi said that it will initially focus on offering its private student loans at schools with low default rates and high graduation rates. SoFi said that 100?percent of funds for undergraduate loans would come from alumni while consolidation loans would be funded by alumni and outside institutional investors, such as banks. The company said its goal is to have at last 50 alumni contributing to each school?s loan pool.
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When searching for boat insurance, you may be overwhelmed when you find that there are many different types of boat insurance policies available. In general, insurance companies only offer one general watercraft liability coverage policy; some others may offer additional coverage that you are able to purchase. If you have financed your dreamboat, the lender probably requires you to obtain specific coverage. There are many different types of coverage available that you can add, as an addition to your standard policy.
The standard policy, the watercraft liability insurance coverage, is required by law in most states. This insurance policy provides coverage in the event that damage occurs to a person or property as a result of actions taken on your boat. This is true whether or not it is during transportation or actually on the water. This is a law requirement in having this type of liability coverage, and each area will have its own requirements as to how much you will need. It is wise to consult with an insurance agent to find out what is necessary to meet the requirement of the law.
It is possible that medical payment coverage may be required in your area. This type of coverage pays for the medical expenses, up to a specified amount, for you and any passenger on your boat that result in an accident covered by the policy. As a suggestion, regardless of whether this insurance is required or not, it would be wise to consider it. Medical expenses as a result of an accident can become extremely high.
Another additional type of coverage to the standard liability coverage is the wreck removal and pollution coverage. This should also be strongly considered. If your boat sinks or is involved in an accident for any reason, you are required to remove it at once in accordance with the law. If oil or gas leaks into the water as a result of an accident, you will be fined. The wreck removal and pollution coverage provides coverage for this type of incident, without the coverage you will be required to pay for the removal and fines out of your own pocket.
Just like in automobile coverage, you should definitely insure yourself against uninsured boats as well. This works in the same manner as uninsured motorist insurance your automobiles. If another boater, who does not have any type of insurance or enough coverage, collides with your boat on the water, this coverage will pay for the replacement of your boat and any needed repairs.
Most all insurance policies you purchase should cover the boat, motor, and trailer used to transport your boat. Liability coverage is not the only type of coverage that you will likely need in many cases. Make sure that you protect your boat, optional coverage that includes theft, vandalism, losses caused by storms, fire, sinking, capsizing, stranding, and collision. Speak to your insurance agent and find out what type of insurance is required by your area and the types of coverage they can offer you.
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If you have been looking to get your hands on an Android tablet running Ice Cream Sandwich, but aren't fond of the price tags you'd been seeing, 1SaleADay has a good one in store for you. For today only you can grab a 32GB Wifi Motorola XOOM for only $329, saving yourself $170. At the price point you get 32GB of storage, a 10.1 inch display, ICS, and plenty of other goodies, so it's definitely worth a look.
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ScienceDaily (Apr. 9, 2012) ? Using light-harvesting nanoparticles to convert laser energy into "plasmonic nanobubbles," researchers at Rice University, the University of Texas MD Anderson Cancer Center and Baylor College of Medicine (BCM) are developing new methods to inject drugs and genetic payloads directly into cancer cells. In tests on drug-resistant cancer cells, the researchers found that delivering chemotherapy drugs with nanobubbles was up to 30 times more deadly to cancer cells than traditional drug treatment and required less than one-tenth the clinical dose.
"We are delivering cancer drugs or other genetic cargo at the single-cell level," said Rice's Dmitri Lapotko, a biologist and physicist whose plasmonic nanobubble technique is the subject of four new peer-reviewed studies, including one due later this month in the journal Biomaterials and another published April 3 in the journal PLoS ONE. "By avoiding healthy cells and delivering the drugs directly inside cancer cells, we can simultaneously increase drug efficacy while lowering the dosage," he said.
Delivering drugs and therapies selectively so they affect cancer cells but not healthy cells nearby is a major obstacle in drug delivery. Sorting cancer cells from healthy cells has been successful, but it is both time-consuming and expensive. Researchers have also used nanoparticles to target cancer cells, but nanoparticles can be taken up by healthy cells, so attaching drugs to the nanoparticles can also kill healthy cells.
Rice's nanobubbles are not nanoparticles; rather, they are short-lived events. The nanobubbles are tiny pockets of air and water vapor that are created when laser light strikes a cluster of nanoparticles and is converted instantly into heat. The bubbles form just below the surface of cancer cells. As the bubbles expand and burst, they briefly open small holes in the surface of the cells and allow cancer drugs to rush inside. The same technique can be used to deliver gene therapies and other therapeutic payloads directly into cells.
This method, which has yet to be tested in animals, will require more research before it might be ready for human testing, said Lapotko, faculty fellow in biochemistry and cell biology and in physics and astronomy at Rice.
The Biomaterials study due later this month reports selective genetic modification of human T-cells for the purpose of anti-cancer cell therapy. The paper, which is co-authored by Dr. Malcolm Brenner, professor of medicine and of pediatrics at BCM and director of BCM's Center for Cell and Gene Therapy, found that the method "has the potential to revolutionize drug delivery and gene therapy in diverse applications."
"The nanobubble injection mechanism is an entirely new approach for drug and gene delivery," Brenner said. "It holds great promise for selectively targeting cancer cells that are mixed with healthy cells in the same culture."
Lapotko's plasmonic nanobubbles are generated when a pulse of laser light strikes a plasmon, a wave of electrons that sloshes back and forth across the surface of a metal nanoparticle. By matching the wavelength of the laser to that of the plasmon, and dialing in just the right amount of laser energy, Lapotko's team can ensure that nanobubbles form only around clusters of nanoparticles in cancer cells.
Using the technique to get drugs through a cancer cell's protective outer wall, or cell membrane, can dramatically improve the drug's ability to kill the cancer cell, as shown by Lapotko and MD Anderson's Xiangwei Wu in two recent studies, one in Biomaterials in February and another in Advanced Materials in March.
"Overcoming drug resistance represents one of the major challenges in cancer treatment," said Wu. "Targeting plasmonic nanobubbles to cancer cells has the potential to enhance drug delivery and cancer-cell killing."
To form the nanobubbles, the researchers must first get the gold nanoclusters inside the cancer cells. The scientists do this by tagging individual gold nanoparticles with an antibody that binds to the surface of the cancer cell. Cells ingest the gold nanoparticles and sequester them together in tiny pockets just below their surfaces.
While a few gold nanoparticles are taken up by healthy cells, the cancer cells take up far more, and the selectivity of the procedure owes to the fact that the minimum threshold of laser energy needed to form a nanobubble in a cancer cell is too low to form a nanobubble in a healthy cell
The research is funded by the National Institutes of Health.
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Keeping your feel solidly planted on the cutting edge of business means keeping pace with the ever evolving business landscape. No matter your niche and no matter your goals, staying up on the latest technologies, practices and competition can mean the difference between a failed business and early retirement.
If you?re interested in not only keeping your head above water but pushing your business endeavors to the next level of profitability, check out these seven business conferences to visit in 2012:

To be held in Atlanta, Georgia, on September 24, 2012, the Social Solutions conference is a one day event aimed at inspiring and educating via real life business success stories. Focusing especially on users of ETO, the software used by many non-profit and small business organizations to manage their performance, Social Solutions aims to enhance your ability to use your data metrics to improve your performance, no matter your goals!
When and Where:

Leveraging social media into a real positive effect on your business is easier said than done; given the growing complexity of the many popular social platforms available today, the Social Media World Asia conference aims to educate its attendees through workshops and speeches from some of the brightest minds in the industry.
When and Where:

Organized by the United States Chamber of Commerce itself, America?s Small Business Summit brings together business people of all kinds, from corporate bigwigs to burgeoning entrepreneurs, in order to encourage discussion and debate on common hurdles faced by American businesses. Given the current delicate state of the U.S. economy, the summit also presents attendees a chance to voice their opinions and concerns in a setting that encourages both listening and action.
When and Where:

Government business initiatives present a unique opportunity to business people around the world, paving the way for solid partnerships and action-based business endeavors. With these benefits in mind, Liquid Learning will be hosting a summit in Melbourne, Australia intended to help entrepreneurs and business enthusiasts to connect with government needs, encouraging cooperation that leads to real world effects, no matter where in the world you happen to be!
When and Where:

Toronto, Canada will soon play host to The Performance Improvement Conference, a gathering of business professionals from around the world interested in improving the performance of each and every facet of their business. More than 50 workshops and speakers will give attendees new knowledge, skills and tools that can be utilized upon returning to work and abundant networking opportunities mean new possibilities for collaboration!
When and Where:

All of the tricks, tips and marketing ploys aside, the internet runs solely on the content offered by each website, whether as part of a business endeavor or not, and the Content Marketing summit to be held in Toronto, Canada later this year offers an exclusive focus on that content and the best practices surrounding it.
Workshops and panels will cover topics such as the development of successful content strategies, overcoming the challenges of keeping your content fresh and up-to-date, discovering how to utilize user-generated content and much more!
When and Where:
If you?re interested in increasing your operational efficiency for the sake of more conversions and the furthering your business, consider attending this one of a kind social media gathering!
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