SBA loan interest rates, reviewed monthly, vary based on loan type, lender, and business qualifications. Despite an upward trend, SBA loans remain affordable with favorable terms. The article details current rates for various SBA loan programs, including 7(a), Express, CDC/504, Microloan, and EIDL, and explains their uses and qualification requirements. SBA loans generally offer lower rates compared to other lenders, making them a cost-effective option for small businesses.

The article provides comprehensive guidance on purchasing collaborative robots, emphasizing the importance of identifying specific needs, involving a project manager, and communicating with employees about safety and job implications. It outlines key specifications to consider, such as payload, reach, repeatability, ease of programming, and safety. The article also discusses the significance of choosing the right end-effector, sensors, and a reliable distributor. The eBook 'Shopping for your Collaborative Robot' is recommended for further detailed information.

Robotics are becoming increasingly integral in business operations due to challenges like supply chain disruption, labor shortages, and geopolitical unrest. Key trends for 2023 include data-driven automation, robots augmenting human abilities, the rise of collaborative robots, the arrival of autonomous mobile robots in logistics, and the growth of electronics assembly automation. The automotive industry has lost its lead in robot deployment to non-automotive applications, indicating a broader adoption across industries. The shortage of robotics skills may slow adoption, highlighting the importance of easy-to-use robotic solutions. Intelligent and adaptive robots are on the rise, and robots-as-a-service models are emerging to lower barriers to entry.

Japan faces a significant loneliness epidemic, exacerbated by an aging population and the breakdown of traditional family structures. Technological solutions, such as robotic pets and AI-powered virtual assistants, are being employed to combat loneliness, particularly among the elderly. While these technologies show promise in providing companionship, experts stress the importance of maintaining human interaction. The phenomenon of loneliness is not unique to Japan, with similar issues observed in the UK and the US. The article highlights the balance between technological and human solutions in addressing this growing public health concern.

The article provides a comprehensive guide on increasing website traffic through a combination of free and paid strategies. It emphasizes the importance of having a well-structured website and offers various methods such as blogging, creating evergreen content, guest posting, and integrating SEO best practices. It also highlights the benefits of social media engagement, supporting causes, developing partnerships, and email marketing. Paid strategies like PPC advertising, social media advertising, and influencer marketing are also discussed. The article warns against using automatic website traffic generators due to potential negative impacts on SEO and website credibility.

Danish startup Particle3D is developing a novel method for 3D printing customized bone implants using tricalcium phosphate (TCP) powder particles and fatty acids. These implants are designed to fuse with the skeleton and degrade over time, reducing infection risks and promoting natural bone growth. This technology could significantly advance reconstructive surgery and may even be used in space missions.

Danish startup Particle3D is pioneering a method for 3D printing customized bone implants using a bio-ink made from tricalcium phosphate (TCP) and fatty acids. These implants are designed to fuse with the skeleton and degrade over time, reducing infection risks and eliminating the need for additional surgeries. The technology has shown promising results in animal trials and could revolutionize healthcare by providing tailored solutions for bone reconstruction. The European Space Agency is also exploring 3D printing for medical applications in space, aiming to keep astronauts healthy on long missions. Despite regulatory challenges, the potential for 3D printing in healthcare is enormous, promising significant advancements in patient treatment and recovery.

The article explores the potential conflict between the deployment of 5G networks and the accuracy of weather forecasts. Meteorologists are concerned that 5G signals, particularly in the 24.25-24.45 GHz range, could interfere with the measurement of water vapor, leading to less accurate weather predictions. Telecommunications companies argue that the interference will be minimal. Efforts to establish noise buffers between 5G transmissions and weather signals are ongoing, with different standards proposed by various organizations. Artificial intelligence is suggested as a potential solution to mitigate the impact of 5G on weather forecasting, with companies like IBM and Monsanto investing in AI technologies for better predictions.

Danish startup Particle3D is pioneering a method for 3D printing customized bone implants using a bio-ink made from tricalcium phosphate (TCP) and fatty acids. These implants are designed to fuse with the skeleton and degrade over time, reducing infection risks and eliminating the need for additional surgeries. The technology has shown promising results in animal trials and could revolutionize reconstructive surgery. The European Space Agency is also exploring 3D printing for medical applications in space. Despite regulatory challenges, the potential for 3D printing in healthcare is vast, offering customized, cost-effective solutions and improved patient outcomes.

A Canadian AI company, BlueDot, identified the coronavirus outbreak nearly two weeks before the World Health Organization's public alert. BlueDot's AI-powered algorithms analyze vast amounts of data to predict disease outbreaks and their spread. The article highlights the potential and limitations of AI in virus detection and prevention, citing other companies like Metabiota and past failures like Google Flu Trends. The effectiveness of AI in this context is underscored by the need for human validation to ensure accuracy.

A team of roboticists at the University of Tokyo has developed a flexible drone-robot named DRAGON, capable of changing shape mid-flight to navigate tight spaces. The current model, consisting of four modules with maneuverable thrusters, can stay airborne for around three minutes and make autonomous decisions to avoid obstacles. Future enhancements include increasing the number of modules to 12 and adding grippers for object manipulation. Japan's regulatory environment has slowed drone technology adoption, but the country is exploring various innovative uses for drones, including rescue missions and inspections. The DRAGON drone's flexible design offers potential advantages in navigating hazardous environments and performing inspection tasks.

Microrobots developed in the U.K. could revolutionize road and infrastructure maintenance by performing underground repairs, potentially saving the U.K. economy around £5 billion annually. A University of Sheffield-led consortium, with Professor Kirill Horoshenkov, has received a £7.2 million grant for this purpose. The U.K. government is also investing in robotics for hazardous environments. Rolls-Royce is exploring microrobots for aircraft engine inspections, and the Femto-ST Institute has made strides in nanobot technology, including medical applications.

Technology has significantly contributed to the spread of misinformation, making its creation cheaper and more widespread. However, it also plays a crucial role in combating misinformation. A report from Oxford University’s Internet Institute highlights how governments, political parties, and organizations have used technology to spread misinformation in 70 countries in 2019, a number that has doubled in two years.

In 2019, significant advancements were made across various emerging technologies, including artificial intelligence, quantum computing, 5G networks, augmented and virtual reality, biotechnology, 3D printing, robotics, autonomous vehicles, blockchain, and renewable energy. Key highlights include AI's growing influence in everyday applications, Google's claim of quantum supremacy, the rollout of 5G networks, and the rise of plant-based meat alternatives. Ethical considerations around AI and gene editing were also prominent, with organizations like the OECD and EU working on frameworks. Major companies like SpaceX, OpenAI, DeepMind, and Tesla made notable contributions, while new products like the Impossible Whopper and Oculus Quest gained popularity. The year also saw increased focus on renewable energy and energy storage, with significant investments and technological improvements driving progress.

The article explores the potential conflict between the deployment of 5G networks and the accuracy of weather forecasts. Meteorologists are concerned that 5G signals, particularly in the 24.25-24.45 GHz range, could interfere with the measurement of water vapor, leading to less accurate weather predictions. This could have significant consequences, such as reduced preparation time for hurricanes. Telecommunications companies argue that the interference will be minimal. Efforts to establish noise buffers between 5G transmissions and weather signals are ongoing, with varying standards proposed by different organizations. Artificial intelligence is suggested as a potential solution to mitigate the impact of 5G on weather forecasting.

The University of Maine unveiled 3Dirigo, a record-setting 3D-printed boat, showcasing the rapid advancements in 3D printing technology. The university's new BAAM 3D printer can produce large objects quickly, indicating a trend towards faster and more versatile 3D printing applications. Companies are increasingly adopting 3D printing, with significant investments projected. Innovations in speed and material flexibility are expanding use cases across industries, from construction to organ creation. Future possibilities include mobile 3D printers combined with robotics, potentially revolutionizing production methods.

The article discusses a report from Oxford University’s Internet Institute detailing how technology has been used to spread misinformation in 70 countries in 2019, highlighting the role of social media platforms like Facebook and Twitter. It examines the rise of deepfakes and AI-driven misinformation, while also exploring technological solutions such as AI models and blockchain to combat fake news. The article emphasizes the ongoing battle between the benefits and drawbacks of technology in the context of misinformation and underscores the importance of human judgment and collaborative efforts in addressing the issue.

Facebook's announcement of its digital currency, Libra, has caused international concern and may accelerate a digital currency race, with China potentially leading the way with its own digital yuan. Central banks worldwide are considering digital currencies in response to the challenges posed by Libra and China's plans. Libra's potential impact includes faster, cheaper transactions and a shift in global economic power, possibly weakening the US dollar. The protection of data collected during digital currency transactions remains a significant concern.

The Voynich Manuscript remains an enigma, presenting a significant challenge for artificial intelligence systems attempting to decipher its contents. Theories about its purpose range from a playbook for the Cult of Isis to herbal health instructions, but no definitive conclusions have been reached.

The Voynich Manuscript, a 240-page text from the 15th century, continues to elude decipherment by scholars and AI alike, despite various claims of solving its mystery. Dr. Gerard Cheshire's controversial claim that it was written in a 'Proto-Romance language' for Maria of Castile was met with skepticism and criticism. The manuscript's resistance to interpretation highlights the challenges AI faces in understanding human language, with issues such as translation, cultural references, and historical language changes. Nonetheless, AI advancements in natural language processing are aiding in language preservation and the potential deciphering of ancient languages.

A study by ETH-Zürich, published in Science, suggests Earth can support an additional billion hectares of trees, which could store over 200 billion metric tons of carbon once mature. Technology, including drones and AI, could address challenges in planting and monitoring these new forests. DroneSeed and Biocarbon Engineering are using drones for planting, while 20tree.ai uses AI for forest monitoring. Despite the potential, reforestation faces obstacles such as land availability, private ownership, and the need for community involvement.

The concept of terraforming Mars has been explored by scientists and science fiction writers for a long time. Elon Musk's suggestion to use nuclear weapons to initiate a greenhouse effect on Mars has gained attention but faces practical and ethical challenges. Other methods include redirecting asteroids, constructing massive space mirrors, engineering microbes, and producing industrial gases. However, a NASA study concluded that with current technology, terraforming Mars is not feasible, and any such efforts are far into the future. The article suggests that in the short term, the focus should be on addressing Earth's environmental issues, while acknowledging that exponential technological advancements could make Mars colonization more viable sooner than expected.

China is rapidly advancing in CRISPR research, potentially outpacing the US in patents and scientific papers. The country's government and educational institutions are heavily investing in gene-editing technology, focusing on areas like agriculture, human medicine, and basic research. Ethical concerns are less prevalent in China compared to Western countries, allowing for more aggressive experimentation. China's efforts aim to address domestic challenges such as food production and healthcare shortages, while also positioning the country as a global leader in biotechnology. The competition between China and the US in CRISPR research is expected to drive significant scientific advancements.

Companies and military organizations are increasingly hiring science fiction writers and futurists to predict future technological disruptions and threats. The French Defense Innovation Agency is forming a team to use role play and other techniques to foresee potential terrorist uses of advanced technology. This approach, already used by NATO and the US Army, leverages the genre's track record of predicting technological advancements. Entrepreneurs like Elon Musk and Jeff Bezos draw inspiration from science fiction, which in turn helps bring these futuristic visions to life. Companies such as Ford, Visa, Pepsi, and Samsung have employed worldbuilding techniques to innovate and identify new opportunities.

Winning new customers hinges on the effectiveness of your business proposal. Customizing each proposal for maximum engagement is crucial. Use positive, engaging words, keep the proposal concise, and focus on solving the client's problem. Highlight your unique process, be realistic with timelines, and detail the costs clearly. Make the proposal visually appealing and have it reviewed by others to ensure clarity and correctness. Tailoring your proposal to each client can significantly enhance its impact.

To thrive in the digital era, home-based businesses must establish a strong online presence. Key strategies include creating a professional, SEO-optimized website, regularly posting blogs, producing engaging videos, being active on relevant social media platforms, encouraging customer reviews, and utilizing email marketing. These approaches can help home businesses reach a wider audience, build credibility, and increase sales.

Researchers at ETH-Zürich have identified that Earth could support an additional billion hectares of trees, potentially storing over 200 billion metric tons of carbon. However, planting 500 billion trees presents significant logistical challenges. Technology, including drones for planting and AI for monitoring, offers promising solutions. Companies like DroneSeed and Biocarbon Engineering are already making strides in this area. Despite the potential, issues such as land availability, political instability, and the need for local community involvement remain. Bioengineering and other advanced technologies could further aid reforestation efforts, though they come with their own controversies.

Virtual influencers, digital avatars designed to attract followers and promote products, are becoming increasingly popular on social media platforms like Instagram. Companies like Kentucky Fried Chicken and brands such as Fenty Beauty and Tiffany & Co. are leveraging these virtual personas for marketing. The rise of virtual influencers raises questions about the future of human influencers, ethical considerations, and the potential impact of AI-powered virtual influencers. The article also explores the cultural implications and the blurred lines between reality and digital creations.

Robot technology is advancing rapidly, with robots like SoftBank's Pepper and Boston Dynamics' Handle improving capabilities in various fields. Toyota's Cue 3 robot has demonstrated superior basketball shooting skills compared to NBA players. The article highlights various sports robots, including Forpheus in table tennis and Robo Cup Robots in soccer, showcasing their impressive abilities. Despite their advancements, robots still face limitations due to their humanoid forms. However, they are enhancing human sports performance through training aids and AI analysis. The future may see robots competing directly with humans in sports.

5G technology is being rolled out in South Korea and the US, with plans for expansion in other countries like Japan and China. The technology promises faster data transfer speeds, low latency, and the ability to support a large number of devices, which could revolutionize industries such as IoT, AR/VR, and smart cities. However, the rollout is costly and currently limited to urban areas. Despite initial limitations, 5G is expected to generate significant revenue and drive exponential technological advancements.

Electric buses in China are projected to save 270,000 barrels of diesel daily in 2019, outpacing the impact of electric cars. Nearly all of China's 400,000 electric buses are in China, driven by government efforts to reduce air pollution, which causes 1.6 million premature deaths annually. Shenzhen leads with 16,000 electric buses, and over 30 cities aim for 100% electric public transit by 2020. However, the environmental benefits are nuanced, considering the source of electricity and the production and recycling of batteries. Electric vehicles are more energy-efficient and have a smaller cradle-to-grave environmental impact than diesel vehicles. The trend towards electric buses is growing globally, with the potential to stabilize energy grids and increase energy storage capacity.

China is leading the world in wind power capacity, with significant investments in renewable energy as part of its 13th Energy Technology Innovation Five-Year Plan. The country aims to produce 50% of its energy from non-fossil sources by 2030. Despite challenges such as grid management and optimal turbine models, China continues to invest in green energy, including the construction of the world's largest transmission line and advancements in battery storage. China also leads in renewable energy patents and is exploring ambitious projects like a solar power station in space.

A bus-sized robot named Patania II, developed by Belgian company Global Sea Mineral Resources, is set to mine rare metal-rich nodules from the ocean floor in the Clarion-Clipperton Zone. This technology, which could be crucial for renewable energy and computing, raises both excitement and environmental concerns. Japan's successful seabed mining tests highlight the potential of these deposits. However, the lack of international regulations and the potential ecological impact remain significant issues. The International Seabed Authority is working on creating a legal framework, but the rapid pace of technological advancement poses challenges for effective regulation.

Amazon is actively investing in self-driving technology, with significant investments in startups like Aurora and partnerships with companies such as Embark and Rivian. The company is also developing its own autonomous delivery systems, including the Amazon Scout and AWS DeepRacer. These initiatives aim to reduce shipping costs and integrate self-driving capabilities into Amazon's logistics and delivery operations. Amazon's broader strategy includes leveraging its AWS cloud services and machine learning platforms to support self-driving technology, potentially leading to a fully autonomous delivery process in the future.

Effective networking is crucial in business, with first impressions being particularly important. Dressing appropriately, displaying confident body language, and proper greetings can set a positive tone for future business relationships. Being prepared with materials like business cards and resumes, having a clear mission statement, and seeking feedback can enhance networking experiences. Opportunities for networking include social media platforms like LinkedIn, Facebook, and Twitter, Chamber of Commerce events, professional conferences, and college career and alumni events. Following up with new contacts through email can solidify professional relationships.

Starting a nonprofit organization requires funding similar to a startup or small business. Key steps include creating a mission statement, writing a business plan, presenting a strong management team, measuring the organization's viability, and seeking funding through grants, fundraising groups, crowdfunding, or debt financing. Each funding source has its own conditions and suitability depending on the nonprofit's goals and structure.

The article discusses the costs associated with different help desk software solutions for three fictional small businesses: TJ’s TurnTables, Strategic Social, and Core Cable. It breaks down the two-year costs for FreshDesk, Deskero, and Zoho Support based on the number of customer service agents and the specific needs of each business. FreshDesk is praised for its free plan and scalability, Deskero for its social media ticketing, and Zoho Support for its free plan and integration with other Zoho business solutions.

Artificial intelligence (AI) systems have made significant strides in mastering complex games, surpassing human capabilities in many instances. AI bots like OpenAI's Five and DeepMind's AlphaStar have demonstrated superior performance in games such as Dota 2 and StarCraft II, respectively. Despite these advancements, AI still struggles with longer games and adapting to unexpected strategies. The rapid development of AI in gaming is seen as a precursor to its potential in other fields, with predictions suggesting AI could outperform humans in various tasks by mid-century. The article highlights the ongoing competition between humans and AI, noting that while AI's dominance in games is growing, it also offers valuable insights and learning opportunities for human players.

The gut microbiome, consisting of bacteria and other organisms, not only aids in digestion and disease prevention but also serves as a biological clock indicating physical age. Researchers at Insilico Medicine, led by Alex Zhavoronkov, used a deep learning algorithm to analyze gut bacteria samples from 1,165 healthy individuals aged 20-90, achieving age predictions within four years. The study, pending peer review, suggests that 39 microbial species are crucial for accurate age prediction. This research could pave the way for a 'microbiome aging clock' to study the effects of diet, medicine, and lifestyle on longevity. The findings also contribute to broader research on aging and health, including the role of microbiomes in various diseases and conditions.

Swarms of microrobots are being developed to repair underground infrastructure, potentially saving the U.K. economy billions annually. Led by Professor Kirill Horoshenkov from the University of Sheffield, the project has received significant government funding. These microrobots, designed for inspection and repair, could revolutionize maintenance by reducing the need for costly road excavations. Additionally, Rolls-Royce is exploring microrobots for engine inspections, and nanobots are showing promise in medical applications. The evolving ecosystem of microrobots and nanobots suggests a future where these tiny helpers play a crucial role in various industries.

Facial recognition technology's security is questioned after a test using 3D printed heads successfully unlocked four out of five smartphones, with only the iPhone X resisting. The test, conducted by Forbes journalist Thomas Brewster, highlights vulnerabilities in biometric security, further supported by Japanese researchers who recreated fingerprints from social media photos. The rise in biometric data usage for various applications, including unlocking phones and authenticating purchases, underscores the need for multi-layered security measures to protect personal data.

Japan faces a significant loneliness epidemic, particularly among its elderly population, with rising instances of kodokushi, or lonely deaths. Technological solutions like the robotic seal Paro are being used in care facilities to provide companionship and reduce loneliness. Experts highlight the breakdown of traditional family structures and the pressures of modern life as contributing factors. While technology shows promise in alleviating loneliness, there is a consensus on the necessity of human interaction. The issue of loneliness is not unique to Japan, with similar trends observed in the UK and the US.

Advancements in satellite imagery now allow scientists to monitor wildlife from space, providing detailed insights into species like whales, albatrosses, polar bears, and seals. This technology offers a cost-effective and less intrusive alternative to traditional methods, enabling researchers to gather data on animal populations and ecosystem health. The research, involving institutions like the University of Cambridge and the British Antarctic Survey, highlights the potential of satellites in conservation efforts and as an early warning system for natural disasters.

Scientists are working on the Global Microbiome Conservancy (GMC) to catalog and preserve gut bacteria from around the world, aiming to understand and leverage the microbiome for health benefits. The project, led by MIT microbiologist Eric Alm, has collected samples from diverse regions, revealing new bacterial genera and highlighting the link between gut diversity and health. The research underscores the potential medical applications of gut bacteria and the threat posed by the westernization of diets, which may lead to the loss of beneficial strains.

Good credit is crucial for both personal and business financial health, impacting loan interest rates and vendor payment terms. The article outlines five strategies to improve credit scores: using credit smartly, setting up credit with suppliers, regularly checking credit reports, paying more than the minimum balance, and being diligent about credit management. It emphasizes the importance of maintaining good credit for future financial opportunities and provides practical steps to achieve this.

A team from DeepMind, including Andrew Brock, Jeff Donahue, and Karen Simonyan, used a Generative Adversarial Network (GAN) to create lifelike images of animals, resulting in a series called BigGAN. The project utilized Google's computational resources, specifically 512 Tensor Processing Units, to produce high-quality images. While the results were impressive, some imperfections remained, such as the number of legs on creatures. The technology has potential applications in image correction and could impact the authenticity of visual media. However, the significant energy consumption of the process has been noted as a concern.

Artificial intelligence is significantly enhancing space exploration, with AI systems already optimizing satellite operations and aiding in astronomical research. ESA and NASA are leveraging AI for missions like the Mars 2020 Rover, which will feature autonomous scientific instruments. Private companies like Axelspace are accelerating exploration and reducing costs through innovative AI applications. Future missions to Jupiter's moons and asteroid mining are on the horizon, with AI playing a crucial role in overcoming challenges related to data processing and autonomous decision-making. AI's integration into space exploration is expected to open new industries and make space more relatable to everyday life.

A research team at the University of Washington has developed an AI system using convolutional neural networks to predict obesity prevalence by analyzing satellite images. The study, published in JAMA Network Open, found that neighborhood features could explain a significant portion of obesity variance. The AI system's success rates varied across cities, with Memphis showing the highest accuracy. The findings suggest that environmental factors play a crucial role in obesity, potentially guiding future urban planning and public health campaigns. Similar AI applications have been used by Stanford University and Google for various predictive analyses.

The integration of digital and real worlds is accelerating, with significant implications for personal and professional life. Greg Cross of Soul Machines showcased their advanced emotionally responsive digital humans, emphasizing the benefits of humanizing AI for better interaction and utility. Companies like NatWest Bank and Daimler Financial Group are already exploring digital employees. The trend towards human-like AI is also evident in Japan, with researchers like Dr. Hiroshi Ishiguro advocating for human-like interaction. Singularity University has embraced this technology, appointing a digital human as a faculty member.

Scientists at the State University of New York have developed a biodegradable, paper-based battery powered by bacteria, activated by water or saliva. This innovation, presented in Advanced Sustainable Systems, could revolutionize power sources for IoT devices and medical sensors, addressing issues with current non-biodegradable batteries. Researcher Seokheun Choi highlighted the potential for stacking these batteries to increase output, though significant improvements are needed for commercial viability. Other teams, including one funded by the Bill and Melinda Gates Foundation, are also exploring similar technologies.

China is developing a fleet of autonomous, AI-powered submarines for its armed forces, expected to launch by 2020. These submarines will perform various missions, including reconnaissance and mine placement, raising concerns among neighboring countries. The AI systems will make autonomous decisions, potentially escalating regional tensions in contested waters like the South China Sea and the Pacific Ocean. The development mirrors similar projects by the US, including DARPA's Sea Hunter and prototypes by Lockheed Martin and Boeing. The article highlights the broader debate on AI-driven weapons, with industry leaders like Elon Musk advocating for a ban due to potential risks.

Japan faces a significant loneliness epidemic, particularly among its aging population, with an estimated 18.4 million adults living alone. The phenomenon has led to an increase in 'kodokushi' or lonely deaths. In response, Japan is leveraging technology, including robotic companions like Paro, Aibo, and Pepper, to provide social interaction and combat loneliness. While these technological solutions show promise, experts emphasize the need for human contact alongside robotic assistance. The issue of loneliness is not unique to Japan, with similar trends observed in the UK and the US.

Maglev trains, propelled by superconducting magnets, offer ultra-fast travel speeds, with Japan investing over $82 billion in a large-scale maglev line connecting Tokyo and Nagoya. Despite the potential for high-speed efficiency and regional growth, concerns about economic viability and competition from technologies like self-driving cars, Hyperloop, and flying cars persist. The Shanghai Transrapid in China demonstrates maglev's capabilities, but questions remain about construction costs and public adoption. The future of maglev trains hinges on their ability to attract sufficient ridership to justify the investment.

A team of roboticists at the University of Tokyo has developed a flexible drone-robot named DRAGON, capable of changing its shape mid-flight to navigate through tight spaces. The current version, consisting of four modules with maneuverable thrusters and powered by an Intel Euclid unit, can stay airborne for around three minutes. Future plans include increasing the number of modules and adding grippers for object manipulation. Japan's regulatory environment has slowed drone technology adoption, but the country is exploring various innovative uses for drones. DRAGON's design makes it suitable for rescue missions and inspection tasks, with potential for further applications if grippers are added.

A group of billionaires including Bill Gates, Jeff Bezos, Jack Ma, and Richard Branson have invested in Form Energy, an MIT spinoff developing a sulfur-flow battery for energy storage. The technology promises to store energy for months at a fraction of the current cost, potentially revolutionizing renewable energy storage. Breakthrough Energy Ventures, a $1 billion fund targeting climate change solutions, has contributed to Form Energy's $11 million funding. The sulfur-flow battery's scalability and low cost could address the storage limitations of renewables, a critical challenge for the industry.

Major car manufacturers are increasingly investing in energy storage solutions, with companies like BMW, Audi, Renault, Toyota, and Nissan exploring various projects. Tesla's success in energy storage has influenced other car companies to follow suit. The integration of electric vehicles with energy storage systems is seen as a smart move towards a sustainable future. The market for battery energy storage is projected to grow significantly, presenting a lucrative opportunity. However, challenges remain, as evidenced by Mercedes' recent exit from the home energy storage market due to cost and design issues.

By the end of 2018, Caofeidian in northern China aims to become the world's first fully autonomous harbor, utilizing self-driving trucks from TuSimple and automated cranes. The project, coordinated by a central control system, highlights the potential for port automation to increase efficiency and reduce labor costs. TuSimple's camera-based autonomous driving system, which is more cost-effective than LIDAR-based systems, is also being tested on open roads in Arizona and China. The initiative reflects a broader trend towards automation in global ports, with significant interest from other ports and logistics-heavy fields.

Space tourism is approaching a significant milestone with several companies planning to launch tourists into orbit and beyond. Blue Origin, led by CEO Bob Smith, aims to send six people above the Karman Line for $100,000 to $200,000 per trip. Virgin Galactic's VSS Unity spacecraft plans to offer suborbital flights for $250,000, with 700 deposits already made. Orion Span is developing Aurora Station, a luxury space hotel, with reservations sold out for the first four months despite a $9.5 million price tag. SpaceX intends to send tourists around the Moon, and Space Adventures, having previously sent individuals to the ISS, is planning a Moon launch. The impact of space travel on tourists, who may experience a shift in perspective about Earth, is also highlighted.

China is planning a large-scale weather manipulation project to increase rainfall over the Tibetan plateau, an area three times the size of Spain. The project involves using solid fuel burners, drones, planes, artillery, and weather satellites to create artificial rain through cloud seeding. While initial results are promising, the project has faced criticism regarding its unproven technology and potential geopolitical implications. The initiative aims to combat climate change and address water scarcity, but concerns remain about its impact on regional water distribution and overall effectiveness.

Businesses should not limit themselves to cash-only transactions due to consumer preferences for credit cards, the burden of rising ATM fees, the need to provide payment options, and the convenience of online shopping. Offering multiple payment methods can enhance customer satisfaction and broaden the business's reach.

Japan's L0 maglev train, powered by superconducting magnets, set a world record in 2015 and is planned to connect Tokyo and Nagoya by 2027, with further extension to Osaka by 2045. While proponents see it as a symbol of Japan's engineering prowess and economic revival, critics argue it is economically unviable and environmentally unsustainable compared to existing Shinkansen technology. The project faces challenges including high costs, government loans, and skepticism about its necessity given Japan's declining population and ongoing recovery from past disasters. The article also highlights the potential for maglev technology to revolutionize transportation, despite current financial and logistical hurdles.

The article discusses nine strategies to enhance sales performance through data analytics applied to sales calls. It emphasizes the importance of using tools like Convirza, Salesforce, and Gong to analyze conversion rates, connect rates, and talk-to-listen ratios. It also highlights the significance of monitoring lead response times, call durations, and identifying optimal times for connecting with decision-makers. By leveraging analytics, businesses can improve sales team efficiency, optimize marketing campaigns, and ultimately increase sales.

In early 2019, the first ever man-made meteor shower will take place above Hiroshima, Japan, visible within a 100-kilometer radius. ALE, the company responsible for the event, has developed a micro-satellite that releases pellets to create the meteor shower. The project aims to inspire interest in space and STEM fields. ALE has improved the satellite and pellet technology and is navigating new regulatory challenges for their aerospace entertainment satellite. Japan Airlines and Family Mart are main sponsors, with JAL considering special flights for the event. The initiative emerges during a renaissance in space technology and exploration.

Small businesses can save $80 per employee annually by going paper-free, with 1 in 5 US businesses already adopting this approach. The article suggests using project management tools like Basecamp, Asana, and Trello; electronic payroll software; Google Business Suite for communication and document management; digitizing receipts and invoices; cloud storage solutions like Dropbox; CRM software for data and document management; and moving marketing strategies online with platforms like Facebook and Google Ads. These methods not only reduce costs and errors but also benefit the environment.

Japanese companies are developing robots and holograms as platforms for the Internet of Things (IoT) and smart homes, diverging from the speaker-based systems of American companies like Google, Amazon, and Apple. Notable Japanese companies such as Sony, Hitachi, Sharp, and Softbank, along with startups, are creating robots and holograms that act as companions and control systems for IoT devices. These innovations include Sony's Xperia Agent, Sharp's Home Assistant, Gatebox's holographic assistant, Hitachi's EMIEW3, Softbank's Pepper, Yukai Engineering's Bocco, and Toyota's Kirobo Mini. The article explores the cultural acceptance of robots in Japan and suggests that human-like interaction is key to the future of IoT platforms.

Growing and profitable businesses can benefit from additional financing to invest in growth areas such as expanding inventory, marketing, building a team, acquiring new equipment, buying commercial real estate, and refinancing business debt. Established businesses often find it easier to obtain financing compared to startups. Investing in these areas can help businesses meet increased demand, improve productivity, and achieve long-term benefits.

Blockchain technology, the decentralized ledger system behind cryptocurrencies like Bitcoin and Ethereum, has the potential to revolutionize various industries by enabling secure, fraud-resistant transactions and smart contracts. These smart contracts can automate and enforce contractual obligations without intermediaries, impacting sectors such as real estate, finance, insurance, and healthcare. While cryptocurrencies are currently seen as speculative investments, they offer stability in regions with unstable banking systems. Major companies and financial institutions are exploring blockchain applications, indicating its move towards mainstream adoption. The future uses of blockchain remain uncertain, but its potential to transform transaction-based industries is significant.

Globalization drives companies to outsource various business functions to external agencies for cost-effectiveness and innovation. Key tasks recommended for outsourcing include hiring, bookkeeping and payroll, social media management, and secretarial tasks. However, core functions, customer service, content creation, and employee termination should remain in-house to maintain company identity, morale, and direct client relationships. Chatbots are suggested as a viable alternative for customer service to ensure consistency and efficiency.

The Federal Reserve's 2016 Small Business Credit Survey reveals that small businesses face significant challenges in accessing credit, leading many to turn to alternative and online lenders. Despite the dominance of big banks, small businesses are increasingly relying on personal finances and alternative lenders like PayPal and SmartBiz, which offer higher approval rates and more accessible loan products. The survey highlights the underutilization of SBA loans, which offer substantial benefits but are less known among small business owners. Traditional banks are adapting by partnering with alternative lenders and offering more flexible loan options to better serve the small business community.

Business messaging apps offer significant benefits, including improved employee relations, streamlined communication, cost savings, and enhanced organization. These apps help keep teams connected, especially remote workers, and provide security features to protect company data. Popular apps like Slack include features such as to-do lists and message pinning, which aid in maintaining organization and productivity. Investing in a business messaging app can boost morale, productivity, and overall efficiency within a company.

Hebocon, a Japanese competition for intentionally poorly designed robots, has gained international popularity since its inception in 2014. Founded by Daiju Ishikawa, the contest celebrates creativity and fun over technical prowess, with robots like Amazing Quick Floor, The Airnator, and The Peanut Giver competing. The event has expanded to over 25 countries with 130 competitions, including a World Championship in Tokyo. Hebocon's philosophy encourages embracing failure and enjoying the process, a sentiment also reflected in the work of Ishikawa and collaborator Chikako Koga on Daily Portal Z. The competition has been well-received globally, with interest in its potential educational value.

Drone sports, including racing and combat, are rapidly growing in popularity, driven by technological advancements and a maker movement ethos. Organizations like the Drone Racing League and Freedom Class are leading the way, with events broadcast globally and significant viewership. The sport's growth parallels that of eSports, leveraging new media channels for audience engagement. Innovations in drone technology and falling equipment costs are making the sport more accessible. The Aerial Sports League, with its roots in the maker community, exemplifies the creative potential and educational benefits of drone sports, inspiring the next generation of STEM enthusiasts.

In today's competitive market, building strong personal relationships with customers is crucial for business success. Key strategies include thorough employee training, attentive listening to customer complaints, using Customer Relationship Management (CRM) systems to stay organized, and rewarding loyal customers. These efforts help create a loyal clientele and a positive company image, ultimately turning satisfied customers into brand promoters.

Achieving optimal inventory levels is essential for efficient business operations. Excess inventory can erode profitability, while insufficient inventory can lead to unmet customer demand and potential loss of business. The article outlines six ways to use data to maintain optimal inventory levels: using historical sales data, employing inventory management software, considering supplier lead times, setting minimum inventory levels, incorporating market trends, and understanding warehouse capacity. A proven inventory management formula is also provided to help businesses calculate order quantities effectively.

Achieving optimal inventory levels is crucial for efficient business operations. Excess inventory increases overhead costs, while too little inventory fails to meet demand and risks customer dissatisfaction. Effective inventory management involves using historical sales data, real-time tracking software, considering lead times, setting minimum inventory levels, factoring in market trends, and potentially partnering with third-party logistics companies. A proven ordering formula is provided to help businesses maintain a healthy inventory level and avoid disappointing customers.

Building a website is crucial for small businesses, and it can be a complex and costly process without proper knowledge. Key steps include finding a domain name, choosing a web host, selecting a web-building platform, designing the website, and driving traffic to it. Domain names can be purchased from providers like GoDaddy.com or NameCheap.com. Web hosts provide the server space for the website. It's important to choose a web-building platform that allows for easy updates and changes. Designing an attractive and user-friendly website can take several weeks to months. Driving traffic to the website can be done through various methods such as social media, content marketing, and cross-promotions with complementary businesses.

With U.S. stock markets at all-time highs, entrepreneurs might find it an opportune moment to invest in themselves using Rollovers as Business Startups (ROBS). ROBS allows the use of tax-deferred retirement savings to start or buy a business without incurring income tax or early withdrawal penalties. Unlike traditional startup loans, ROBS does not involve debt, making it an attractive option for those wary of borrowing. However, it comes with its own complexities and risks, including the need for proper setup and administration to comply with IRS and Department of Labor regulations. The current economic climate, characterized by rising consumer spending and household incomes, further supports the potential benefits of using ROBS for entrepreneurial ventures.

With U.S. stock markets at all-time highs, now may be an opportune moment for entrepreneurs to invest in themselves using Rollovers as Business Startups (ROBS). ROBS allows the use of tax-deferred retirement savings to start or buy a business without incurring income tax or early withdrawal penalties. Unlike traditional startup loans, ROBS does not involve debt, making it an attractive option for those with sufficient retirement savings. However, it comes with complexities and risks, including potential legal and tax implications if not set up correctly. The current economic climate, with rising consumer spending and household incomes, further supports the potential benefits of using ROBS for entrepreneurial ventures.

The article discusses the challenges and developments in the alternative lending industry during 2016, including issues faced by companies like LendingClub, Prosper, Avant, and CAN Capital. It also highlights the success of companies like SmartBiz, BlueVine, and StreetShares, and the industry's response to increased oversight with initiatives like the SMART Box. The Office of the Comptroller of the Currency's proposed FinTech bank charter is seen as a sign of the industry's maturity and potential for growth. The article suggests that despite setbacks, alternative lending is evolving and will continue to play a significant role in the financial sector.

The article discusses Japan's cultural affinity for humanoid robots, despite their 'creepy' appearance as defined by the 'Uncanny Valley' concept. The term, coined by robotics professor Masahiro Mori, describes the dip in human empathy for robots that look almost, but not quite, human. The author explores how cultural and religious differences, particularly in Japan, influence the acceptance of robots. Examples include Toshiba's Aiko Chihira, a receptionist robot, and AIST's Actroid F androids used in medical settings. The article suggests that exposure to robots and positive cultural representations, like Astro Boy, contribute to Japan's acceptance of robots. This contrasts with Western perceptions shaped by characters like the Terminator. The author posits that as robots become more common worldwide, especially in healthcare, global attitudes may shift to be more accepting, similar to Japan's current stance.

Starting a small business requires significant investment in time, energy, and capital. Entrepreneurs can fund their startups through personal savings, personal borrowing, business borrowing, or investors. Personal savings can be liquid cash or retirement savings, with options like Rollovers as Business Startups (ROBS) allowing access to retirement funds without penalties. Personal borrowing options include HELOCs, personal loans, and credit cards, while business loans, particularly SBA loans, are challenging to obtain for startups. Raising capital from family and friends can provide funding without immediate debt but comes with potential relational risks and pressures.

Toyota has introduced the Kirobo Mini, a 10-centimeter-tall robot designed as a conversational partner. The robot is part of Toyota's investment in AI and robotics, with a focus on elder care technology. The Kirobo Mini will be sold in Japan starting at ¥39,800, plus a monthly fee for cloud services. It is equipped with cameras, speakers, and Bluetooth, and uses a cloud system to process conversations. Critics argue that the robot's capabilities are limited and its technical setup is cumbersome. The article also discusses the potential security risks associated with IoT devices like the Kirobo Mini. Additionally, the robot's marketing strategy is questioned, as it may be seen as a ploy to attract customers to Toyota's car dealerships, leveraging the trend of interactive robots in Japanese retail.

Fix and flips have become a profitable business as the housing market recovered, with average returns for house flippers growing significantly. Investors can also benefit by investing in fix and flip loans, potentially earning annual returns of 12-14% or higher. Crowdfunding platforms play a crucial role in this investment opportunity, offering both debt and equity investments. Each platform has its own focus, fees, and investment structures, catering to different types of properties and investor preferences. While investing in fix and flip loans carries risks, it remains a growing industry with lucrative potential.

The rapid growth of alternative and marketplace lenders has sparked discussions about potential regulation. While federal regulation is unlikely in the next year, self-regulation efforts are increasing. The US Treasury Department and the Consumer Financial Protection Bureau are in the early stages of gathering information and considering regulation. Key areas for potential regulation include interest rates and underwriting practices. Self-regulation initiatives, such as the Small Business Borrower’s Bill of Rights and the Marketplace Lending Association, are emerging to promote responsible lending practices. The industry is expected to continue evolving, with a balance needed between innovation and borrower protection.

Lines of credit are less favored by banks and investors compared to term loans due to their uncertainty and lower profitability. Banks often have stricter approval requirements for lines of credit or do not actively advertise them. Borrowers tend to draw on credit lines when the economy tightens, which is not ideal for banks. Alternative lenders like OnDeck, Dealstruck, BlueVine, and Kabbage offer unsecured lines of credit at higher interest rates to offset risks. The Federal Reserve has observed increased credit line draws during economic slowdowns. Despite the challenges, alternative lenders have managed default rates comparable to banks, but long-term profitability in a normalized market remains to be seen.

Mark L. Rockefeller, co-founder and CEO of StreetShares, a P2P crowdlending platform, aims to support veteran-owned small businesses through social affinity lending. This model leverages the strong community bonds among veterans to provide lower borrowing costs and reduced default rates. StreetShares, which also serves non-veteran businesses, offers veterans preferential terms and lower interest rates due to investor enthusiasm and the company's co-investment strategy. The platform's success with veterans suggests potential for expansion into other affinity groups, positioning StreetShares as a future leader in small business lending.

Credit scores play a crucial role in determining loan eligibility for small business owners, with banks typically requiring a score above 650. However, alternative lenders like OnDeck, Kabbage, and Dealstruck consider the overall health of the business rather than just the owner's credit score. These lenders often charge higher interest rates but provide opportunities for businesses that banks might reject. Personal credit issues do not necessarily reflect business success, as entrepreneurs may prioritize business growth over personal finances. Alternative lenders focus more on business cash flow and recent financial behavior, offering a more nuanced approach to lending.

The article compares the speed of obtaining a business loan to the speed of getting a Big Mac, highlighting the increasing speed of small business lending. It discusses various lenders like OnDeck, Kabbage, Fundbox, and SmartBiz, noting their fast application and funding processes. However, it also warns about the high APRs associated with fast loans, which can lead to significant debt for small businesses. SmartBiz is presented as a more affordable option with SBA loans, though it has stricter qualification requirements.

The article discusses the current landscape and future prospects of small business financing, highlighting the dominance of bank loans, which hold roughly two-thirds of the market. Credit cards and accounts receivable factoring are also significant players, with the latter showing great growth potential due to innovations by companies like Fundbox and BlueVine. Online lending, including Peer2Peer and alternative loans, is rapidly growing and attracting media attention, despite currently holding a smaller market share. Merchant cash advances, while providing high yields, are expected to decline as better financing options become available. The article provides investment advice, suggesting that alternative loans, invoice factors, and credit cards are good bets, while merchant cash advances are less favorable.

Investment banks are increasingly entering the commercial lending space by funding online alternative lenders like OnDeck and BondStreet. This strategy allows them to benefit from the growing small business lending market without facing the regulatory burdens that commercial banks do. The popularity of alternative lending is rising due to its speed and accessibility, even for subprime borrowers. Investment banks have invested millions in these online lenders, and some, like Goldman Sachs, are planning to launch their own online lending platforms. This trend may lead to more collaboration between commercial and investment banks as they navigate the evolving lending landscape.

Small business alternative lenders often avoid advertising APRs, preferring factor rates which they argue are easier to understand and more relevant for short-term loans. Despite the convenience and speed of alternative loans, their high APRs (40-80%) can deter borrowers. The article argues that APRs are crucial for borrowers to compare different financial products and make informed decisions, despite lenders' claims that APRs are misleading for their products.

SmartBiz, Fundbox, and OnDeck are revolutionizing the small business loan industry by offering innovative lending solutions and utilizing technology to improve efficiency. SmartBiz accelerates the SBA loan process, Fundbox modernizes invoice factoring, and OnDeck provides accessible short-term loans to those who may be considered risky by traditional banks. These companies exemplify a broader trend of using technology to make small business loans more readily and easily available.

The cost of buying a local restaurant varies widely based on factors such as type, location, and included assets. Two common valuation methods are based on gross income and seller's discretionary earnings (SDE). Restaurants typically sell for 25% to 40% of their annual sales or 1.5 to 3.0 times their SDE. The National Restaurant Association notes that high operating expenses and thin profit margins are characteristic of the industry. Buyers should compare both valuation methods to determine a reasonable price and consider negotiating the seller's asking price.

Loaning money to friends and family can have significant financial and emotional consequences. The article discusses the importance of separating financial decisions from emotional ones and provides advice on evaluating credit risk, setting clear expectations, and positioning oneself for potential tax benefits if the loan is not repaid. The author shares a personal experience of loaning money to a friend, highlighting the pitfalls of not setting clear terms and the importance of using services like Lending Club, Prosper, OnDeck, and Kabbage to assess creditworthiness. The article also emphasizes the need for legal documentation and reasonable interest rates to ensure the IRS considers the loan a legitimate financial transaction.

The Small Business Administration's (SBA) LINC initiative, intended to connect entrepreneurs with lenders and business mentoring services, has been criticized for poor execution. The program's initial rollout excluded the major 7(A) loan program and was inadequately explained on the SBA website. Despite the potential to increase demand for SBA lending products and support small business growth, the LINC program's effectiveness is currently limited. Brayden McCarthy of Fundera, a former SBA employee, expressed optimism for the future of online small business lending. The SBA's 7(A) program guarantees loans for small businesses, but many banks lack experience with these loans, making it difficult for business owners to find willing lenders. Newtek Business Services CORP, a significant provider of 7A loans, could benefit from a successful LINC program.

A company charging over 50% interest rates on loans to small businesses can still lose money due to a combination of bad underwriting, high cost of capital, and high origination costs. The article explains that these lenders often deal with very risky loans, leading to high charge-off rates. Additionally, the reliance on third-party middlemen to find borrowers and the high interest rates they must pay to borrow money themselves contribute to the overall costs, which can range from 33% to 57%, potentially exceeding the interest earned.

There has been a significant increase in small business finance, with numerous companies raising substantial venture capital to address the financing needs of small businesses. Traditional banks have been reluctant to lend to small businesses due to higher default rates and processing costs. New market entrants, leveraging technology and online resources, are better positioned to serve this market with lower processing costs and higher risk tolerance. Investment opportunities in this space include financing small business loans, investing in companies that provide these loans, and benefiting from the increased access to credit for small businesses. However, the market is still in its early stages, and the impact on small businesses remains to be fully realized.

The author discusses the general drawbacks of hedge funds, including high fees and risky investment strategies, which often lead to underperformance compared to the stock market. Despite this, the author made an exception by investing in Direct Lending Investments, a hedge fund focused on small business lending, after being convinced of its potential returns and lower risk profile.

Consumer loans offer investors the opportunity to own notes with interest rates ranging from 6.03 to 26.06 percent. The article provides an in-depth look at the investment process with Lending Club, emphasizing the importance of diversification and minimizing idle cash to maximize returns. It outlines the steps involved in investing through Lending Club, from loan application to receiving monthly payments. The article also discusses tools for building a portfolio, including Lending Club's 'Options' and 'Filters' features, which help investors find and invest in notes based on their specific criteria.