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Mortgage Basics, Ch. 3: How credit scores set your mortgage payment. Your monthly principal and interest charges are determined by the rate and the amount of the loan.

Mortgage Basics, Ch. 3: How credit scores set your mortgage payment

The rate and loan amount, in turn, are affected by several factors. The rate depends on your credit score, discount points you pay and whether the down payment is less than 20 percent. The loan amount depends on the size of the down payment and the home's price. There is also the matter of mortgage insurance, which is levied on borrowers who make a down payment of less than 20 percent. Mortgage lenders closely scrutinize your financial history to determine whether to approve your loan application. Of primary concern are: Your credit report, which details your payment history on all loans, bankruptcy filings and other financial information.Your credit score, which uses your credit report to arrive at a numerical representation of your overall creditworthiness.

Factors used to determine your credit score The higher your credit score, the less risky you appear to a lender. Intellectual Property Today. The Legal 500 United States 2013 (IP) Overview Many types of firms, from large IP boutiques to full-service international law firms, populate the top end of the intellectual property market.

The Legal 500 United States 2013 (IP)

Indeed, full-service firms are increasingly specialising in IP to capitalize on the growing workload in global brand protection, particularly in the emerging technology sector. General practice firms also dominate IP litigation work, as they often offer stronger trial capabilities to handle leading, higher-value cases in court proceedings. Smaller IP boutiques continue to struggle in an increasingly competitive market. Recent developments in the IP legal market include Fish & Richardson P.C.’s hire of trademark and copyright litigators David Hosp and Mark Puzella in the Boston office from Goodwin Procter LLP. The firms listed in the Copyright table are assessed for their performances in complex court disputes as well as on corporate and transactional matters such as licensing and ownership. Copyright Index of tables Copyright. Indeed.com. ACS Salary Calculator. Route 30 Timetables. Tips for Writing Letters of Recommendation.

One of the things I like best about teaching is seeing my students succeed and move onto new challenges.

Tips for Writing Letters of Recommendation

When they are in the process of doing that, they often need references and letters of recommendation. I am happy to be asked and want to help. However, when I sit down to write a letter of recommendation and am facing a blank page, I start to wonder where to start. It’s something I didn’t really consider when I asked professors, and managers to write reference letters for me for school and job applications. Here are some tips I have put together for myself when I need to write a letter of reference: Make sure I know enough about the person and about the job, school, or scholarship the person is applying for. “I believe that Jane Doe would be an asset to your company as she has been here.”

Introduce myself towards the beginning of the letter-maybe even the first paragraph. “As John Doe’s supervisor, I have worked with him for the last 5 years at Blank Chemical Company.” Like this: Don’t Be Naïve: 7 Things to Know Before Taking a Biotech Startup Job. Luke Timmerman9/16/13 You’ve spent years working hard to hone your skills in science, medicine, or business.

Don’t Be Naïve: 7 Things to Know Before Taking a Biotech Startup Job

You’ve accomplished things, and you have the talent and desire to do more. You may be bored, or stuck at a dead end job in academia, Big Biotech, or Big Pharma. You are intrigued by a job posting you just saw at a biotech startup, and the company appears to be showing some interest in you. It’s a great position to be in, but you may quickly discover you’re out of your depth.

These are relevant questions for many people, as biotech companies are starting to hire more after years of recession-related belt-tightening. So, I spent some time last week interviewing a few savvy insiders about what biotech job candidates can and should do to study a startup before they sign up. I’ve tried to distill the various thoughts into a set of guidelines below. Get to really know the senior management team, and I mean really! Thong Le. Nate Silver on Finding a Mentor, Teaching Yourself Statistics, and Not Settling in Your Career - Walter Frick. Perhaps no one has done more for the cause of data-driven decision-making in the minds of the public than Nate Silver.

Nate Silver on Finding a Mentor, Teaching Yourself Statistics, and Not Settling in Your Career - Walter Frick

His book, The Signal and the Noise, explains the power of statistical modeling to improve our predictions about everything from the weather to sports to the stock market. Data science is the hottest field to be in right now, and Silver is its poster child. But for most people, the gulf between recognizing the importance of data and actually beginning to analyze it is massive. How do those without extensive training in statistics equip themselves with the skills necessary to thrive (or even just survive) in our age of “big data”? Last month I had the chance to put that question to Silver, and his answers may surprise you. HBR: If I’m an average professional or an executive, I’ve read your book, I know this stuff matters and I also know it’s complicated and I can only expect so much. Silver: I think the best training is almost always going to be hands on training. Six Classes Your Employer Wishes You Could Take - Michael Schrage.

By Michael Schrage | 12:00 PM September 5, 2013 School is back amid growing controversy and cynicism.

Six Classes Your Employer Wishes You Could Take - Michael Schrage

The quality, validity and economic value of college degrees and MBAs have rarely been under such sustained assault. Employability of graduates has never been so dismal. Machines are clearly getting smarter at many of the things people traditionally do on the job. That means people need to become non-traditionally smarter at things machines are not quite yet ready to think about or do.

Were I advising aspiring top-tier universities — or their students on what they should expect from their high-priced education — the following classes would represent excellent starting points for fundamental curricular reform. Multimedia Editing. Scenarios. Fantasy Sports Competition. Reverse Engineering.

Comparative Coding. Cooking Science & Technology. These classes strive to balance the transmission of knowledge in classroom environments with the cultivation of real-world skills. Are You And Your Company Ready For The Voice-Recognition Revolution? While much of the hype coming out of last week’s Apple announcement has centered around the fingerprint recognition technology built into the new iPhone 5S, one of the most important developments is the continued improvement of Siri in iOS 7.

Are You And Your Company Ready For The Voice-Recognition Revolution?

When Siri launched two years ago, Apple ran ads featuring John Malkovich going about his day with Siri acting as his trusted assistant. Siri makes his coffee. Siri plans a romantic dinner. Who wouldn’t want Siri in their life? We all know that in its first iteration, Siri--like the two decades of mediocre voice recognition software leading up to it--just didn’t live up to the hype. Take Google Glass as an example. As wearable computers become more common, voice based interaction will become necessary given the lack of input options in small form factors. All this brings us to your business: Is your company voice-enabled? Companies looking to make the shift to voice should think about several key things: A Google Glass App becomes an urgent need?

Useful IT

The University of Maryland. Download. Available to: UMCP, UMCES, UMBI, UMES, UMSO For faculty and staff only Usage is bound to the terms found under the "Purchase Details" on each product page.

Download

Please review all product information before downloading. Keep in Mind: High traffic on the network can affect the download rate. If your building is wired with a 100MB Ethernet connection, it will be faster than if your building has a 10MB Ethernet connection (although it will not be 10 times as fast). Older versions of software are no longer supported by OIT Software Licensing and their respective manufacturers. The following products are available for download: Mac Windows. OIT Software Licensing. Quick News Notice: The Software Licensing order form is temporarily down.

OIT Software Licensing

Faculty and Staff that need to order software during the down time can email software-licensing@umd.edu with a software request. Include full name of product, number of licenses and discs. Do not provide financial information in the email. A Software Licensing associate will call you to verify the information required to complete your order. Windows 8.1 Windows 8.1 is now available for departmental use. TERPware the new software download site is now available! Matlab 2013b Matlab 2013b is now available for departmental use. AutoCAD 2013 & 2014 AutoCAD 2013 & 2014 are now available for departmental use. Office Professional Plus 2013 Office Professional Plus 2013 is now available for departmental use. New Microsoft products Windows Server 2012, Project 2013, Exchange 2013, Sharepoint 2013, and Visio 2013 are now available for departmental use. Start up information.

Startup Equity: What Investors Want. Building an Innovative Research Culture. Differences and Similarities to "Real" Companies. Measures of Green Chemistry Performance. Corporate Culture Matters. By Bill Barnett | 4:08 PM May 2, 2012 Some organizations will excite you.

Corporate Culture Matters

They’ll stimulate your success and growth. Others will be stressful. They may lead you to quit before you’ve accomplished much or learned what you hoped to. With the pressure (or excitement) of finding a new job, it’s all too easy to pursue a job opportunity or to accept an offer with only a hazy view of how the institution really operates. Sean (name has been changed) is a master at this. The next step was a return visit, after which he’d decide to accept the offer. Surprisingly, Sean turned down the offer. As he learned more about the company, Sean questioned how he’d be viewed as the first CAO in a company where everyone else focused on bottom-line results. “I asked how they’d keep score on me, how they’d really know I was making a difference,” he said. It’s not uncommon for job seekers to enter organizations without understanding the culture and come away disappointed. 1. 2. 3.

Chess Concepts How to Become a Billionaire. Salary Surveys. The Salary and Employment Status Survey (also known as the Comprehensive Salary Survey) is conducted annually among domestic ACS members under 70 years old and not student-, retired-, or emeritus-status members. Every 5th year, the ACS conducts the ChemCensus. The Starting Salaries of Chemists and Chemical Engineers Survey (also known as the New Graduates Survey) is conducted annually among recent graduates at all degree levels to gather data on the starting salaries and occupational status of new chemists and chemical engineers. Elsevier Jobs. Glassdoor.com. Salary.com. PayScale.com. San Diego, CA Tutoring Jobs. San Diego Tutoring Jobs Tutor Testimonials Erin O'Brien Tutor "Tutoring with Varsity is an absolute pleasure.

The directors are so friendly, and they do an excellent job matching tutors with students. I love watching my students get excited about learning and seeing them grow more confident with every session. Omar Jawaid Tutor "Varsity Tutors is an outstanding organization that really stands behind its tutors. Justine Lee Tutor "Varsity Tutors is a great company to work for. Harrison Gross Tutor "I like working for Varsity Tutors because I am fully in control of my working schedule. Dean Koci Tutor "I have worked with more than a few tutoring companies and Varsity Tutors is by far my favorite.

Great Pay Flexible Hours Flexible Locations Large Client Base Varsity Tutors is a national award-winning tutoring company providing one-on-one tutoring to students in their homes or other convenient locations in San Diego and surrounding suburbs. About You Undergraduate Degree Graduate Degree (Optional) Math. Chemistry Jobs. Freelance Elance.com. Freelance jobs Guru.com. Delta SkyMiles. Proper use of articles. Traditional Grammar tells us that the English articles are the indefinite article `a/an’ and the definite article `the’. It tells us very little else other than that we usually but not always omit `the’ when we use a proper noun, and that `an’ is placed before a common noun or adjective that begins with a vowel or a mute `h', and `a' before a common noun or adjective that begins with a consonant.

Sometimes, however, no article accompanies a common noun. The when-and-why of the matter stumbles about in limbo, much to the consternation not only of learners of English but also of its native users. This Chapter proposes a procedure of reasoning that will enable informed and valid decision about whether to use `a/an' or `the', or neither, in any instance of sentence construction. Central to this procedure of reasoning is the proposal that nouns are: The concept `indefinite article' is very unhelpful. One syntactic function of the article `a/an’ is to particularise. Chapter menu Chapter menu. How to Write a Research Paper. For a scientist, if you don’t publish your results, it may as well not exist. Communicating the results of your experiments is crucial, so others in your field can learn from, repeat, and expand on your work. While there are a wide variety of journals and other publication venues from which to choose, the actual process of writing a paper varies little between them.

Professor Peter D. Battle, an inorganic professor at Oxford University, recently shared the process he uses to write a research paper with a group of students at Edinburgh University, and kindly allowed me to share his process here as well. When, Where, Who, What and Why Obviously, the first step is to decide when you have enough data to publish, where you will publish it, who the authors will be, and exactly what will and will not be included in this particular article.

Read the Directions Every journal has instructions to authors, usually available on their website. Start with Figures Experimental Results and Discussion. Chemistry Department Ranking. Rating of Universities. Gordon Research Conferences. For students, by students… GRC provides many opportunities for early-career scientists to get involved at the Frontiers of Science, the most notable of which is the Gordon Research Seminar (GRS) program. Gordon Research Seminars are a series of highly successful and unique meetings that enable young researchers to share in the GRC experience. Each seminar is held in conjunction with a related GRC and begins the weekend immediately prior to the GRC. Graduate students, post-docs, and other scientists with comparable levels of experience and education come together in a highly-stimulating and non-intimidating environment to discuss their current research and build informal networks with their peers that may lead to a lifetime of collaboration and scientific achievement.

These seminars are organized by young investigators with the support of leading scientists from the associated GRC. The Benefits of a GRS: Contribute to a GRS: Gordon Research Conferences The Benefits of a GRC: Posters on Fabric. Conference: 43rd NOCS.