Si tu Mac va lento, puedes acelerarlo desactivando estas animaciones

Una de las razones por las que tu viejo Mac se ha vuelto lento es que las últimas versiones de OS X añaden animaciones y elementos (con encanto) que tienen un coste de rendimiento. Desactivar esas animaciones puede acelerar tu ordenador además de tener un “efecto placebo”: todo se abre y se cierra inmediatamente.


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Ya están aquí. Así son los drones de Amazon que repartirán paquetes en media hora

Jeremy Clarkson y su característico humor socarrón han sido los encargados de presentar Amazon Prime Air al gran público. La idea, de la que llevamos hablando desde 2013 , consiste en entregar paquetes en menos de 30 minutos usando drones. Por fin hemos visto la versión final de estos repartidores del futuro.

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A Simple Tool for Producing Process Templates and Standard Operating Procedures

An Easy App for Generating Process Templates and Standard Operating Procedures


Top quality apps that get the job accomplished are challenging to discover. When they are totally free, it really is even superior. Check this post on the very best workflow management software and start out becoming a lot more efficient, managing your team additional proficiently, and creating a lot more revenue.

Best TV Deals On Black Friday 2015

Black Friday has started and most of Samsung’s 2015 line up is discounted up to 40% off including their highest end SUHD TVs.  We at TechBargains have found all the best Black Friday TV deals from Samsung, LG, Vizio and even an value off-brand model. Many of these deals are expected to sell out so we apologize in advanced for any stock issues.


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Fig levels up crowdfunding by accepting actual investments from gamers

The Fig board from left to right: Tim Schafer, Brian Fargo, Feargus Urquhart, and Justin Bailey.

Game financing startup Fig, which helps game developers raise money from fans, said it can now receive investments from unaccredited investors (or ordinary fans) for game-crowdfunding campaigns.

Enabled by accounting regulation changes with securities laws, the change could open up a whole new set of opportunities for game startups and fans alike. Now fans will have a chance to own a piece of the action. The change will go into effect for a third Fig campaign, coming up shortly.

Fig chief executive Justin Bailey told GamesBeat that Regulation A+ of the JOBS Act changed securities laws to enable ordinary people to fund game development in exchange for publishing rights and owning a share in the company raising the money. So unaccredited individuals (or people who aren’t already super rich) can now invest in a startup and share in the financial rewards if it is successful. That’s the difference between getting a free T-shirt from a crowdfunding campaign and getting a pile of money from a successful investment.

From VentureBeat

Customers don’t just get irritated when you screw up cross-channel personalization. They jump ship. Find out how to save your bacon on this free research-based webinar with Insight’s Andrew Jones.

Bailey, the former chief operating officer of Double Fine Productions, started Fig in August as a new crowdfunding site built specifically for games. He partnered with some big names and studios who previously had success on Kickstarter: Tim Schafer (Broken Age), Brian Fargo of InXile (Wasteland 2), and Feargus Urquhart of Obsidian (Pillars of Eternity). Each has pledged to launch campaigns for new games on Fig.

Previously, Fig was allowed to raise investments for startups only from accredited investors. Pre-approved under SEC regulations, accredited investors earn a minimum salary of $200,000 or possess a net worth of at least $1 million, not including their homes.

With this next campaign, more fans can be investors, though they may not invest more than 10 percent of their annual income or net worth. The minimum a fan can invest in the upcoming campaign is $1,000, and the maximum is $10,000. The minimum will change with each campaign.

“I think this is the future of crowdfunding,” Bailey said. “Companies are opening up and are being more transparent with fans. This is the next evolution. Fans should have the opportunities to participate in the investment.”

People contributing money for games under development will now separate into two groups. Those who pledge less than $1,000 can still receive various rewards, based on the amounts they pledge. Those who invest more than $1,000 will be considered investors in the project, and they will receive investment returns based on the shares that they own.

“We believe that fans, in addition to having the opportunity to participate in the rewards-only tiers, should also have the opportunity to buy shares and participate in the financial success of a title,” Bailey said in a statement. “This is important because we don’t feel that there should be a class distinction between fans and investors. Our belief is that fans and investors are one in the same — they are individuals who lend financial support to make a project possible, and they should all have an opportunity to participate financially. Now they can.”

Bailey said that previous crowdfunding tools (such as Kickstarter) have declined in popularity, partly because fans can’t participate in the rewards of investment. He noted that campaign pledges of more than $1,000 have declined significantly as have the last-minute donations that appear just before a campaign deadline.

But Fig’s own model has its own challenges. Fig’s first campaign was a success. It took about nine months to put all of the details together for the third campaign.

But 5th Cell, a game company that used Fig for a crowdfunding campaign, tried to raise money before this change (allowing unaccredited investors to contribute) went into effect. But the campaign failed. 5th Cell received $5,000 in pledges for reward-based fans while it was seeking $50,000. And on the investor side, 5th Cell was seeking as much as $1 million, but it received only $100,000 in pledges. Under the Fig model, a company has to hit its targets, or it doesn’t get to keep the money. 5th Cell tried to raise money for a free-to-play game dubbed Outer Wilds.

“We have a fixed time and fixed campaign goal,” Bailey said. “It’s all or nothing.”

Bailey said that Fig learned that free-to-play games aren’t good models for crowdfunding campaigns, and so Fig won’t do them in the future. The change in the law that enables unaccredited investors to participate in the future is also going to be a boost for future campaigns, Bailey said.

Under the JOBS Act’s Regulation A+, businesses can raise up to $50 million in capital from the general public online. This regulation was intended to encourage funding of small businesses, and one of its goals is to open the opportunity for investment to a broader audience. Since the SEC review of Fig’s filing will take time, Fig will take non-binding reservations from unaccredited investors for $1 million of shares that are being set aside.

Next May, under a revision dubbed Title 3, a new option will emerge under securities law. Under that change, the filing costs will go down, the reporting requirements are lower, and the limit that can be raised is $1 million. That option could be very well suited for video game campaigns, Bailey said.

Love and Student Debt: How the New REPAYE Plan Could Affect Marriages

Americans have been grappling with how to balance love and students loans for a while now. There will be even more to think through next month, when the Department of Education is scheduled to roll out the Revised Pay As You Earn (REPAYE) plan, an expanded version of the Pay As Your Earn (PAYE) repayment plan that caps monthly payments at 10 percent of discretionary income.


Unlike PAYE, which is only open to students who took out loans after October 2007, the REPAYE plan will be open to anyone who borrowed directly from the federal government. This includes older borrowers who were previously shut out from PAYE.


Everyone enrolled in the REPAYE plan will also be able to receive taxable forgiveness — if borrowers only have undergraduate debt, they are eligible after 20 years. However, if a borrower has even just one graduate loan, all of their loans won’t be eligible for taxable forgiveness until 25 years of repayment. Under the PAYE plan, all borrowers are eligible for forgiveness after 20 years regardless of whether the debt is from graduate or undergraduate education.


Currently, if you are enrolled in an income-driven repayment plan and your monthly payments don’t cover the interest, your overall loan balance will continue to increase through a process called “negative amortization.” The new REPAYE plan comes with much better interest accrual protections: if your monthly payments don’t fully cover the accrued interest for that month, you will only be charged 50 percent of the unpaid interest.


Sounds great, right? For many, signing up for REPAYE will offer huge benefits and help them stay financially afloat while paying off student debt. But there’s a bit of fine print that may stop many married Americans from switching over to this new plan.


Under the other income-driven repayment plans — Pay As You Earn, Income-Based Repayment, and Income-Contingent Repayment — when married borrowers file their taxes separately, only their individual income and debt are used to calculate their monthly payments, even though they can still claim their spouse when reporting household size. They may not get all of the tax perks associated with filing jointly, but they are still able to keep their monthly student loan payments fairly low.


Under REPAYE, married couples will not be able to separate their income. Monthly payments will be based on combined household income regardless of whether married borrowers file separate tax returns or not.


It sounds dramatic, but some couples may be faced with a difficult decision: marry and face higher loan payments, or stay single to pay the lowest amount possible on student loans.


Here’s an example of REPAYE at work: Jamal graduated from law school in 2005, and is currently working as a prosecuting attorney. He makes $45,000 a year and has $130,000 in student debt. His wife Rachel chose to skip college and start a small business, where she makes $100,000 a year.


The best plan currently available to Jamal based on when he took out his loans would be the Income-Based Repayment (IBR) plan. Under this plan, Jamal and Rachel could file separately and his monthly payments would be around $264.


Under the new REPAYE plan, Jamal’s relatively low income and high debt would combine with Rachel’s high income and lack of debt, which would balloon his payments to over $1,000 every month. (All calculations are based on the Department of Education’s Repayment Estimator.)


The bottom line:

    • PAYE may still be the best plan for any married borrowers with graduate and professional school debt who took out loans after October 2007.
    • For unmarried borrowers currently enrolled in the older IBR plan with high student debt and low income, it may be time to think about switching over to REPAYE to take advantage of lower payments.
  • If you’re a married borrower with a spouse that has a high income and little to no debt, it may be best to stay put in IBR.

To get a clearer picture of how the REPAYE plan could impact your monthly payments, we recommend checking out the Repayment Estimator for yourself.


If you need help understanding all the debt relief options for your student loans, download our free e-book Take Control of Your Future or listen in on one of monthly webinars. We provide lots of information about income-driven repayment plans and Public Service Loan Forgiveness to help students and graduates learn how to better manage student debt. Unfortunately, we don’t give relationship advice. But you never know — debt advice might help enhance your marriage (financially, at least)!


Ashley Matthews is a Program Manager for Law School Engagement & Advocacy, managing the Student Debt and Student Engagement programs. Prior to joining Equal Justice Works, she worked as Communications Manager for Legal Services Corporation where she helped design strategies to increase congressional awareness of federally funded civil legal aid. She also led the digital content and communications team for, a public service initiative of the National Association for Law Placement (NALP). Ashley received her J.D. from the University of Miami School of Law.

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.