The following chart is the result of a data analysis of loan data for 2500 peer lending loans. The caption at the bottom explains the analysis results. This analysis was performed for the course: Data Analysis from Johns Hopkins University offered through Coursera. So far, it is a great experience. Figure Caption: All of the non-FICO factors that had significant ANOVA p-values are included in the stand-alone figure. Those factors are: (1) loan length, (2) amount requested, (3) amount funded, (4) debt to income ratio, (5) loan purpose, and (6) home ownership. In all charts, interest rate is shown on the Y-axis. Charts 1-3 depict factors confirmed to have significant impact on interest rates using a Tukey-HSD test, while figure 4-6 show factors that had significant ANOVA p-value, but were then determined to have an insignificant impact on interest rate. The overall correlation between FICO score level and interest rate…
Articles by Joseph Lee
The industry I have chosen to investigate, and claim will be a big disruption in the future – although it isn’t poised for market yet – is the carbon nanotube (CNT) processor. Carbon nano technology was highlighted as a disruptive technology in a May 2013 report from McKinsey Quarterly (Manyika, 2013). The reason I believe it will be disruptive is because carbon nano processors have the potential to be much more energy efficient and compact (per processing capacity) than silicon based transistors. The infamous Moore’s Law has accurately predicted the improvements of silicon based semiconductor technology since it was stated by Moore in 1965 (Moore, 1965). While 9nm silicon chips are manufactured today, the the inherent quantum limitations posed by silicon-based semiconductor technology threaten to cause the development pace to drop below Moore’s expected level of improvement by 2020 at the 7nm scale (Merritt, 2013). On the other hand, a…
It’s important to keep your brain fresh and running in tip top condition. On the other hand, leisure helps our brain relax, flush critical chemicals and perform hard-disk-utility-like maintenance on our memory systems. I’ve heard that the flash card game ‘memory‘ is a good way to sharpen your mind and it can be a little fun. If you want, try out this version of memory that I recently programmed in a massive open online course (MOOC): http://www.codeskulptor.org/#user24_pnI46SyY82_14.py When you get to this page, you have to click on the play button located in the top left-hand corner, which looks like this:
In order to ‘catch the wave’ of CNT technology, firms in the semiconductor industry will need to morph their business model to accommodate competition and new opportunities. The reason that I say “morph” the business model, instead of radically change it, is because the shift to CNT from silicon is not here yet, it is a long process forthcoming, and the shift will entail many years of extensive forecasting and planning. The stakes are high for semiconductor developers and manufacturers, so a careful balance between maintaining strong revenue streams, and investing it into R&D is more realistic strategy than a ‘flip the switch’ type of strategy. Although it is less likely that a new player will suddenly emerge onto the field and eat lunches (like Netflix is doing in online media) because of the high barrier to entry, patent activity should be carefully monitored and assessed to judge the relative…
I propose three main reasons for Netflix rapid growth: (1) broad device and software architecture support, (2) contracts with top content producers, and (3) optimal timing with respect to scaling, product deployment and technology road mapping. I will outline the ways these three factors have contributed to Netflix growth below. 1. Broad device and software architecture support Netlflix supports a huge range of devices and operating systems. The astounding list includes: Windows and OSX, , ChromeOS, iOS, Android, and Windows Phone, Amazon Kindle, and Nook, which pretty much rounds out the entire PC, notebook, smartphone, and tablet markets. Netflix was also able to secure streaming capabilities in a wide array of Blue-ray players, and smart TV’s and set-top-boxes. Once you include XBox, Playstation, Nintendo Wii, 3D, WiiU, TiVO and Boxee, it’s hard to find a digital device that doesn’t support Netflix. Forbes reports that Playstation is the most used device…
Major TV networks in several cases have been acquired by or merged with cable providers. Their business model is heavily integrated with cable and internet service. With respect to internet technology, their biggest fear may be the realization of a technology race coined “The Last Mile” (Cordeiro, 2003). The goal of ‘the last mile’ is for telecoms to deliver broadband wireless internet to homes. Intel had plans to help make that happen with WiMax but luckily for ISP’s have come up short so far. If telecoms were to successfully develop a superior last mile solution, consumers may switch from Comcast or AOL cable internet to Verizon or AT&T. So, wireless broadband is a potentially disruptive technology for cable service providers (Goodwins, 2005; The Economist 2002). With respect to online video content being a disruptive technology, TV networks biggest fear may that global broadband penetration, significant improvements in broadband speeds and…
Here are the results of a regression comparison of all software litigation and all software patenting activity since 2000. The results show correlation which could be described as somewhere between moderate and strong. The resulting Peason’s R value for this study is 0.5193. The purpose of doing this regression study is to prove some correlation between litigation and R&D expenditure. Patent grants issued are not a direct measure of R&D expenditure, because patents costs different amounts to produce in different industries. However, these are all software-related classes, and so correlation between grants issued and R&D expenditure should be stronger than when measuring all UPC classes for the whole USPTO. PastedGraphic-1.pdf
Here are two charts to show the proportion of software patent grants of all patent grants issued by year since 2008, and software patent grants share of all litigation since 2008. Both are increasing at a steady rate. These facts correspond with the importance of software in corporate strategy in the past decade. Software has also dominated M&A deals in terms of value and volume. Figure 1: Patent Grants from software-related UPC subclasses as a share of all patent grants issued (2008-2012) Figure 2: Patent Grants from software-related UPC subclasses as a share of all patent litigation (2008-2012)
I’m currently enrolled in a Stanford Online course linked below; Writing in the Sciences.There is still time to enrol although the course has already started. The first module seemed pretty straight-forward, and I am working on the second module now. Apparently over 30,000 students have signed up for the course. It includes 10 weeks of study, unit modules which include videos, and quizzes. The first writing assignment is 300-500 review of a seminal essay from your field. All in all, the course is very easy to navigate, informative, and so far I believe I have learned something that can help me improve my writing. https://class.stanford.edu/courses/Medicine/SciWrite/Fall2013/info
Doing some research, I discovered a patent: <a href=http://www.google.com/patents/US5026417>5026417</a>. The assignee for this patent is none other than: Her Majesty the Queen in right of Canada, as represented by the Minister of Agriculture Published: Jun 25, 1991 The country associated is Canada: CAX Here is the abstract: A method and composition for increasing the amounts of phosphorus and/or micronutrients available for uptake by plants from the soil. The invention involves introducing an inoculum of the fungus Penicillium bilaji into (or onto) the soil. This has the effect of increasing the solubility of phosphates and micronutrient sources which may be either native to the soil or added to it, e.g. in the form of insoluble rock phosphate or manufactured phosphate fertilizer. The invention can be used to increase the health, growth rates and yields of plants, especially crop plants grown on nutrient-deficient soils, while eliminating or minimizing the need for expensive…
