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We have to make different things the same, or at
least equal. We are still trying to answer the
Mad Hatter's famous riddle How is a raven like a
writing desk? Though Alice's time in Wonderland
may have come and gone, ours is just beginning.
While we may not be connecting ravens to writing
desks (though nothing would surprise me at this
point), we do have a need to connect seemingly
unrelated objects in new ways. One solution to
this dilemma is the process of object
virtualization. By creating virtual models, or
representations, of the things you want to
monitor and manage, you are putting 'things' on
equal footing, creating new opportunities for
analysis and task automation. To understand
object virtualization, consider the contact list
in your phone. A contact can be thought of as a
virtual model of an actual person. It is
something like a digital identity. Imagine you
have a contact named Mary Smith. Mary has a name,
a phone number (or two), an email address, maybe
a photo. Mary can have a Facebook profile, a
Twitter alias - you can even assign Mary a
special ringtone.
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All of these things combine to create a virtual
model of Mary stored in your phone. Now, to make
your model of Mary a bit more intelligent and
useful, you could add her date of birth, her hair
color, her favorite book, her pet cat's name, or
any number of different properties of Mary. If we
slapped a bunch of sensors on Mary, we may know
things like her current location, current body
temperature, her heart rate, her blood pressure.
If this information is communicated to your model
in real time, you have an active, living
representation of Mary that tells you more about
her than she may know herself. Imagine applying
this same process to your house, your car, your
toaster, or your favorite pair of socks. Now,
maybe you can't think of a good reason for your
socks to talk to your toaster, but they may have
a thing or two to share with your washing
machine. And maybe your house and your toaster
can have a nice conversation about lowering your
electric bill. Of course, your things aren't just
talking to your other things.
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They can talk to other things anywhere. Do you
think it might be helpful for your air
conditioning system to know something about
today's weather forecast? Or for your car to know
about that new road construction on your way to
work? Your virtualized house doesn't care that
it's a house. It may as well be an elephant or a
water balloon. The same is true of your car, your
refrigerator, or your lawn sprinklers. Virtual
models can share information with other virtual
models without regard for where the data is
coming from or how it got there. Virtualization
can make every "thing" accessible to every other
"thing", and ultimately to you. Deciding if you
should lock in your mortgage rate is a question
many homebuyers lose sleep over. No one wants to
make the wrong decision. You don't want to wait
and see rates go up, but what if you lock and
rates go down? You like the idea of having this
guarantee, but you are not quite sure when to do
it, or if you should at all. To help with your
decision, below is a list of nine items you need
to know about rate locks.
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Shogun Method Mortgage rates rise when the
Federal Reserve increases rates, so keep your eye
on this. Rates do have an expiration date. If you
lock in too early, you could end up being forced
to file for an extension, which typically
increases the rate. A float-down option is
available to be added to a lock agreement. This
gives you the chance to grab a lower rate if they
drop more after you locked one in. These are not
free, but if the market is really fluctuating up
and down it could be in your best interest to add
this provision. If rates go down, you can't just
abandon your locked rate and start over without
expecting to pay a fine. Rate locks are not
open-ended they usually last anywhere from a
couple of weeks to 60 days. Shorter lock periods
are less expensive. You can get a longer lock (90
days, for example), but the rate and fee will be
higher. In most cases you don't want to lock a
rate in until you are set on a house. http//asuv
enturecatalyst.org/shogun-method-review-by-derek-r
ake/