Thursday, January 24, 2013

State of the Net Panel on Broadband Reveals Common Interests ...

sotn-copper-web13The growth of business and broadband was the featured topic during the panel, ?Big Broadband: What Happens when the Psychology of Abundance Confronts Both the Economics of Deployment and the Rules of Regulators? at today?s 9th Annual State of the Net Conference in Washington, DC.

Being discussed was what each of the myriad organizations, companies, and municipalities contribute to broadband growth and how all can work together to ensure reliable broadband is delivered to as many Americans as possible. Sitting on the panel was: Kevin Lo, General Manager for Google Fiber; Ramona Carlow, VP of Public Policy and Strategy at AT&T; James Assey, Executive Vice President at NCTA; and Blair Levin,?Communications and Society Fellow at the Aspen Institute Communications and Society Program. Jessica Zufolo, Deputy Administrator of Rural Utility Services for the U.S. Department of Agriculture, moderated the panel.

What took place was less a debate between panelists on who has all the answers to expanding broadband access, but more a discussion on how opportunity leads to innovation. The panelists often expressed a shared vision of how to lead America to a future of broadband success, with all agreeing that the more who have access, the better.

?Mr. Levin posed questions on whether or not wireless was going to be able to compete with wireline broadband access ? questions that are yet to have clear answers. Ms. Carlow later stated, ?Regulation needs to be modernized so that all companies can direct more investment into the new IT services that customers are demanding.? At one point an audience member asked Mr. Lo what the consumer need is for full broadband at gigabit speeds. His answer was, ?Business, medical?we can?t even imagine yet.? NCTA?s Mr. Assey addressed the long and storied role the cable industry has played in bringing America access to broadband.

?And while each panelist presented what he or she saw as the key broadband obstacles and solutions, they all agreed that when more homes and businesses have access to fast, reliable Internet, everyone wins.?

Source: http://www.cabletechtalk.com/broadband/state-of-the-net-panel-on-broadband-reveals-common-interests/

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Tuesday, January 22, 2013

Investing In Your Future For The Long Haul | Best Growth Stock

Stock market investing is not for the faint of heart. You have the chance to make money ? and to lose money. By considering the advice here, you can improve your investing strategy and increase the odds of seeing more profits over the long term.

Judge a company on its returns rather than its management. Management teams change more often than the economy, so look for companies that have done well in spite of management changes or economic challenges. Strong market returns are a good indicator of future stability, and this makes the company?s stock a more attractive investment prospect to you.

When considering a common stock, think about what services and products you use. You want to go with what your gut is telling you. Ask yourself, honestly, after you?ve studied a particular company?s balance sheets, if you would purchase the type of product or service that the company is selling. If you would not, then that company is not worth investing in. You might not be able to judge the investment?s value if the company offers products and services that don?t interest you.

Cash is not necessarily the same thing as profit. All financial activities require good cash flow, and stock portfolios are no different. Although it is great to reinvest your money or spend some of it, you still want to set money aside to take care of your immediate bills. It is advisable you set aside a half year?s worth of living expenses, just in case something happens.

It is advisable to practice investing before using real money. Using stock software is not always necessary. Just select a piece of stock, and jot down what the current price is and why you are choosing it. Take notes and keep track of your stock?s performance over time. This way, you can see the stock patterns without taking on real risk.

Investing in stocks is great, but it shouldn?t be your only option. You can make money investing in many different things. Look at everything from bonds to real estate to help make you money. If you have enough money to do so, try diversified investing to protect your wealth.

Per day trading is an important number to watch when investing in stocks. This is just as important as weighing the cost for commission when you buy and sell stock. When looking at the volume of a stock, the stock is not traded as frequently when the volume of it it low. Keep this in mind when making a purchase. You might also find it difficult to sell the stock quickly if you need to get out of it.

Thoroughly research any company that your are considering buying stock in. Too many people discover an exciting new company and invest in it before doing enough research. Remember, there is always a certain amount of risk involved in a company that does not have a proven history.

Consult with a financial advisor, even if you will be trading on your own. A good financial adviser will offer you more than just good stock choices. A professional adviser will take the time to consider your tolerance for risk, how long you have to invest and your ultimate goals. You can then formulate a solid plan together based on this information.

Don?t lose hope if your investments are not successful when you start out. Most new investors find that they are disappointed when their investing strategy does not go as planned. Good investing requires knowledge, continual research, experience and patience, so remember this before throwing in the towel so easily.

Prepare yourself for long term investments. Ventures in the market are nearly always unpredictable so those who plan on a quick in and easy out often experience great disappointment. If you have invested in solid companies for the long-term, a few temporary setbacks will not affect your eventual success.

Always keep a careful watch on every stock?s trade volume that you invest in. Volume is extremely important due to the fact that it informs you of the stock?s activity during a particular time. The activity or lack thereof will be a good indication of whether the stock is a sound investment.

When analyzing a stock, look at its value, not its price. Is the stock a good investment over the long term? Stocks with prices lower than normal should be researched first. Do not waste your money on low-priced stocks that won?t make any money.

Don?t forget about international stocks when expanding your portfolio. It may seem a safer bet to invest in American companies and their stocks, but if you do your research, their are international companies that are worthy of your consideration as well. If you are just starting out then expand your knowledge of the global environment and what international companies have to offer, it never hurts to broaden your portfolio.

You may also want to look into buying software that helps analyze and calculate your investments. These programs will make it easier for you to track your stocks and understand the trends you are seeing. Investment software can also be helpful when reviewing your portfolio and ensuring that your holdings are diverse enough. Before investing in a software, check out user reviews to find out which ones they consider to be most useful.

It is important to keep you with a business?s dividends if you own stock from them. If you are an older investor, you?ll want to put your money in stocks that provides stability and one that will pay solid dividends. Companies with large profits typically either reinvest those profits back into their business or divvy it out to their shareholders in the form of dividends. The yield of a dividend is easy to understand: The annual dividend figure is simply divided by the current stock price.

As was stated in the above article, there are numerous things to do, so you make sure your money is safe while investing in stocks. The money you put into the stock market is important; you should safeguard that investment by making use of this article?s advice.

Tags: international companies, investing strategy

Category: Investing

Source: http://www.bestgrowthstock.com/2013/01/22/investing-in-your-future-for-the-long-haul/

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Monday, January 21, 2013

Developing microbial cell factories by employing synthetic small regulatory RNAs

Jan. 20, 2013 ? Biotechnologists have been working hard to address the climate change and limited fossil resource issues through the development of sustainable processes for the production of chemicals, fuels and materials from renewable non-food biomass. One promising sustainable technology is the use of microbial cell factories for the efficient production of desired chemicals and materials.

When microorganisms are isolated from nature, the performance in producing our desired product is rather poor. Metabolic engineering is performed to improve the metabolic and cellular characteristics to achieve enhanced production of desired product at high yield and productivity. Since the performance of microbial cell factory is very important in lowering the overall production cost of the bioprocess, many different strategies and tools have been developed for the metabolic engineering of microorganisms.

One of the big challenges in metabolic engineering is to find the best platform organism and to find those genes to be engineered so as to maximize the production efficiency of the desired chemical. Even Escherichia coli, the most widely utilized simple microorganism, has thousands of genes, the expression of which is highly regulated and interconnected to finely control cellular and metabolic activities. Thus, the complexity of cellular genetic interactions is beyond our intuition and thus it is very difficult to find effective target genes to engineer. Together with gene amplification strategy, gene knockout strategy has been an essential tool in metabolic engineering to redirect the pathway fluxes toward our desired product formation.

However, experiment to engineer many genes can be rather difficult due to the time and effort required; for example, gene deletion experiment can take a few weeks depending on the microorganisms. Furthermore, as certain genes are essential or play important roles for the survival of a microorganism, gene knockout experiments cannot be performed. Even worse, there are many different microbial strains one can employ. There are more than 50 different E. coli strains that metabolic engineer can consider to use. Since gene knockout experiment is hard-coded (that is, one should repeat the gene knockout experiments for each strain), the result cannot be easily transferred from one strain to another.

A paper published in Nature Biotechnology online January 20 addresses this issue and suggests a new strategy for identifying gene targets to be knocked out or knocked down through the use of synthetic small RNA. A Korean research team led by Distinguished Professor Sang Yup Lee at the Department of Chemical and Biomolecular Engineering, Korea Advanced Institute of Science and Technology (KAIST), reported that synthetic small RNA can be employed for finely controlling the expression levels of multiple genes at the translation level. Already well-known for their systems metabolic engineering strategies, Professor Lee's team added one more strategy to efficiently develop microbial cell factories for the production of chemicals and materials.

Gene expression works like this: the hard-coded blueprint (DNA) is transcribed into messenger RNA (mRNA), and the coding information in mRNA is read to produce protein by ribosomes. Conventional genetic engineering approaches have often targeted modification of the blueprint itself (DNA) to alter organism's physiological characteristics. Again, engineering the blueprint itself takes much time and effort, and in addition, the results obtained cannot be transferred to another organism without repeating the whole set of experiments. This is why Professor Lee and his colleagues aimed at controlling the gene expression level at the translation stage through the use of synthetic small RNA. They created novel RNAs that can regulate the translation of multiple messenger RNAs (mRNA), and consequently varying the expression levels of multiple genes at the same time. Briefly, synthetic regulatory RNAs interrupt gene expression process from DNA to protein by destroying the messenger RNAs to different yet controllable extents. The advantages of taking this strategy of employing synthetic small regulatory RNAs include simple, easy and high-throughput identification of gene knockout or knockdown targets, fine control of gene expression levels, transferability to many different host strains, and possibility of identifying those gene targets that are essential.

As proof-of-concept demonstration of the usefulness of this strategy, Professor Lee and his colleagues applied it to develop engineered E. coli strains capable of producing an aromatic amino acid tyrosine, which is used for stress symptom relief, food supplements, and precursor for many drugs. They examined a large number of genes in multiple E. coli strains, and developed a highly efficient tyrosine producer. Also, they were able to show that this strategy can be employed to an already metabolically engineered E. coli strain for further improvement by demonstrating the development of highly efficient producer of cadaverine, an important platform chemical for nylon in the chemical industry.

This new strategy, being simple yet very powerful for systems metabolic engineering, is thus expected to facilitate the efficient development of microbial cell factories capable of producing chemicals, fuels and materials from renewable biomass.

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Story Source:

The above story is reprinted from materials provided by The Korea Advanced Institute of Science and Technology (KAIST), via EurekAlert!, a service of AAAS.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Dokyun Na, Seung Min Yoo, Hannah Chung, Hyegwon Park, Jin Hwan Park, Sang Yup Lee. Metabolic engineering of Escherichia coli using synthetic small regulatory RNAs. Nature Biotechnology, 2013; DOI: 10.1038/nbt.2461

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/IMsZ6yw0e9U/130120150035.htm

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Sunday, January 20, 2013

Garry Winogrand's Photography Retrospective Brings 250,000 Unknown Images To SFMOMA (PHOTOS)

  • Garry Winogrand, New York, 1969; gelatin silver print; Collection SFMOMA, gift of Carla Emil and Rich Silverstein; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Untitled, 1977; gelatin silver print; Collection SFMOMA, gift of Dr. Paul Getz; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Sailor, 1950; gelatin silver print; Collection SFMOMA, fractional and promised gift of Carla Emil and Rich Silverstein; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Los Angeles International Airport, 1964; gelatin silver print; Collection National Gallery of Art, Washington, DC, Patrons? Permanent Fund; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, New York World?s Fair, 1964; gelatin silver print; Collection SFMOMA, gift of Dr. L. F. Peede, Jr.; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Los Angeles, 1964; gelatin silver print; collection SFMOMA, gift of Jeffrey Fraenkel; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Coney Island, New York, ca. 1952; gelatin silver print; collection The Museum of Modern Art, New York, purchase and gift of Barbara Schwartz in memory of Eugene M. Schwartz; digital image ? The Museum of Modern Art/ Licensed by SCALA / Art Resource, NY

  • Garry Winogrand, White Sands National Monument, New Mexico, 1964; gelatin silver print; collection of Randi and Bob Fisher; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Albuquerque, 1957; gelatin silver print; The Museum of Modern Art, New York, purchase; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Fort Worth, Texas, 1974?77. Gelatin silver print. Garry Winogrand Archive, Center for Creative Photography, University of Arizona; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Park Avenue, New York, 1959; gelatin silver print; collection National Gallery of Art, Washington, DC, Patrons' Permanent Fund; image courtesy National Gallery of Art, Washington, DC; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, John F. Kennedy International Airport, New York, 1968; gelatin silver print; collection of John and Lisa Pritzker; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, New York, ca. 1982?83; Gelatin silver print. Garry Winogrand Archive, Center for Creative Photography, University of Arizona; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, New York, ca. 1982?83; Gelatin silver print. Garry Winogrand Archive, Center for Creative Photography, University of Arizona; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Los Angeles, ca.1980?83; gelatin silver print; Garry Winogrand Archive, Center for Creative Photography, University of Arizona; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Los Angeles International Airport, 1964; gelatin silver print; Garry Winogrand Archive, Center for Creative Photography, University of Arizona; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, John F. Kennedy, Democratic National Convention, Los Angeles, 1960; posthumous digital reproduction from original negative; Garry Winogrand Archive, Center for Creative Photography, University of Arizona; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Garry Winogrand, Fort Worth, Texas, 1974; gelatin silver print; collection SFMOMA, Accessions Committee Fund: gift of Doris and Donald Fisher and Marion E. Greene; ? The Estate of Garry Winogrand, courtesy Fraenkel Gallery, San Francisco

  • Source: http://www.huffingtonpost.com/2013/01/20/garry-winogrand-photography-sfmoma-retrospective_n_2481611.html

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    Saturday, January 19, 2013

    From bullying to relationships: Mapping our online communications

    Jan. 19, 2013 ? When we typically think of kids who are the victims of school bullying, what comes to mind are isolated youth who do not fit in. A new study, however, shows that when that harassment occurs online, the victims tend to be in mainstream social groups -- and they are often friends or former friends, not strangers.

    The research is part of a burgeoning field of study into the effects of social media on everyday relationships and behavior. Personality and social psychologists are finding surprising ways in which people's online environments and relationships reflect and influence their real-world ones, as presented January 19 at the Society for Personality and Social Psychology (SPSP) annual meeting in New Orleans.

    "Researchers have known for a while that individuals give unique cues about who they are with the things they own, clothes they wear, things they say and do. However, though these cues are informative to knowing who someone truly is, they were not always so easily accessible to our entire social network," says Lindsay Graham of the University of Texas, Austin, one of the presenters. "Now with much of our lives being lived online, and the boundaries having been blurred between who sees these cues and who doesn't, it is all the more important to pay attention to the kinds of impressions we are giving off to those around us."

    The emerging image of the cyber-bully

    Some statistics indicate that as many as 160,000 students a year skip school just to avoid being harassed, and texting and social media are making it easier than ever to harass classmates. Victimization from schoolmates has been correlated with everything from depression and anxiety to thoughts of suicide and struggles with academics.

    To study so-called "cyber-aggression" -- harassment that occurs online -- Diane Felmlee of the Pennsylvania State University and Robert Faris of the University of California, Davis, studied 788 students at a preparatory school in Long Island. They mapped the students' social network structure relative to online harassment: asking students to name their close friends, which schoolmates they have picked on or been mean to, and which schoolmates had picked on them.

    What they found was that cyber-aggression occurs in the mainstream of the school and largely among friends, former friends, and former dating partners. They also found that non-heterosexual students were more likely to be the victims. Examples of the types of harassment found online were posting humiliating photos, texting vicious rumors, posting that a student is gay and making fun of him, and pretending to befriend a lonely person.

    "Cyber-aggression occurred most often among relatively popular young people, rather than among those on the fringes of the school hierarchy," Felmlee says. "Those engaging in cyber-aggression also were unlikely to target strangers but often were in close relationships with their victims at one point in time, close enough to know how to harm them."

    The researchers found that some of the processes that contribute to aggression in school include jockeying for status, enforcing norms of conformity, and competing for girlfriends or boyfriends.

    How our online image affects our relationships

    Even more innocuous online interactions can prove problematic for offline relationships, psychologists are finding. One new study shows that disclosing more about ourselves online actually lessens intimacy and satisfaction among romantic couples.

    "We found that contrary to the research on offline self-disclosure, which shows that more offline disclosure leads to higher intimacy and relationship satisfaction between both romantic couples and friends," says Juwon Lee of the University of Kansas, "online self-disclosure was negatively associated with intimacy and satisfaction between couples."

    In a series of studies, Lee and colleagues found that greater usage of Facebook predicted lower satisfaction in romantic relationships but not in friendships. In one study, the researchers created two different mock Facebook walls: one that had a high degree of self-disclosure (e.g., many personal pictures and personal status updates such as "Just had a fight with Mom" or "Pretty interesting training at work today") and one that had a low degree of self-disclosure (e.g., neutral status updates such as "Nice weather today"). They asked the participants to imagine that one of the walls was their partner's and then measured their relationship intimacy and satisfaction. Those who had the walls with high levels of self-disclosure reported less intimacy and satisfaction with their relationships compared to those with the more minimal walls.

    "Disclosing a high degree of personal information online, regardless of whether or not the information is related to your partner or relationship, will likely negatively affect your romantic relationship," Lee says.

    How our online image matches us offline

    Researchers are also investigating how closely the information we disclose online mirrors who we are offline. In two new sets of studies, psychologists looked to World of Warcraft players and to profiles of people who frequent cafes and bars.

    "With more and more of our lives being lived both in the physical and virtual worlds, it's important to understand the kinds of impressions we give off to others through the traces we leave behind in our environments," says Graham of the University of Texas, Austin, co-author of the studies with Sam Gosling. "Whether we're creating a screen name or avatar for ourselves, or broadcasting that the bar or coffee shop down the street is one of our frequent hangouts, we are inevitably telling those around us something about who we are as individuals."

    In the study about World of Warcraft players, the researchers found that although people can make consistent judgments about a player's personality, those impressions do not match how the players view themselves. In the second set of studies, they examined 50 randomly selected cafes and bars in the Austin area and looked at the profile pictures of people who frequent those establishment using the social networking site Foursquare.com. Just by looking at the profile photos of the frequent patrons for each location, observers were able to assess the personality the typical patron (e.g., extraverted, likeable, narcissistic), the activities likely to occur at the establishment (e.g., drinking, surfing the web, flirting), and the atmosphere or "vibe" of the location itself (e.g., sophisticated, clean, kitsch-y).

    For comparison, the researchers sent a second set of observers to the same locations to make the same assessments in person. "Interestingly, we found that when we compared the impressions formed from just the profiles with those formed from the establishments themselves, there was quite a bit of overlap," Graham says. "Impressions were consistent no matter what type of stimuli an observer sees -- suggesting there is some cohesion in the types of people who go to certain places and the places themselves."

    How communication channels shape what we say

    Aside from creating images of ourselves online, people increasingly use social media -- including Twitter, Facebook, and blogs -- to communicate a variety information, including about consumer products. Exactly which modes of communication we choose, online versus offline, affects how we talk and what we talk about, a new study finds.

    Jonah Berger of the Wharton School at the University of Pennsylvania and colleagues analyzed more than 21,000 everyday conversations on- and offline. They found that online posts and texts provide people the opportunity to take pauses in conversations, and thus more carefully craft what they say. As a result, those conversations tend to be more interesting than conversations face-to-face or over the phone.

    The researchers measured interest by "coding" the conversations, which came from the Keller Fay Group, a research marketing firm that tracks which brands and products consumers talk about. Brands such Christian Dior and products such as the Audi A6 scored as highly interesting, while brands like Ross and products like insurance scored as not at all interesting.

    "These findings shed light on how communication channels shape interpersonal communication and the psychological drivers of word-of-mouth more broadly," says Berger, who is author of the upcoming book Contagious: Why Things Catch On.. "They underscore the old maxim of thinking twice before you open your mouth."

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    The above story is reprinted from materials provided by Society for Personality and Social Psychology.

    Note: Materials may be edited for content and length. For further information, please contact the source cited above.


    Note: If no author is given, the source is cited instead.

    Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

    Source: http://feeds.sciencedaily.com/~r/sciencedaily/living_well/~3/u_EbwWKaFeM/130119185027.htm

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    Friday, January 18, 2013

    Raglan Parade corner turns to rubbish for truck driver http://ow.ly/gSs3u

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    Source: http://www.facebook.com/WboolStandard/posts/150598721759040

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    Kathleen Peddicord: Should You Buy A Home Overseas?

    When you decide to take your retirement global, one of the first big questions you face is, where? Not only where in the world (as in, what country might be best for you), but also where to reside, as in, in a house? An apartment? A gated community?

    In fact, though, the question at first shouldn't be where to buy a retirement residence overseas. The question at first for the would-be retiree overseas should be: Should you buy a retirement residence overseas at all?

    Maybe it's not a real estate purchase you want -- but a rental.

    For each of my three international moves -- from Baltimore, Maryland, to Waterford, Ireland; from Waterford to Paris; then, most recently, in 2008, from Paris to Panama City, Panama --my husband and I rented first and were glad we did. Because, in each case, we discovered that the place where we settled initially wasn't the place where we really wanted to be. In Waterford, we realized we didn't want to be in the city but outside it, so we could savor Irish country living. In Paris, it was a matter of a dozen blocks or so, but that distance made the difference between being at the heart of the chaos come tourist season each year and being hidden away and removed from it while still having the best of central Paris on our doorstep. In Panama City, we've relocated three times before finally finding the neighborhood where we feel most comfortable.

    Panama City is a good example because, for such a small city, the diversity of lifestyle options is great, and neighborhoods just a mile or two away from each other make for dramatically different living experiences. Buying before giving yourself a chance to understand this can mean the difference between loving your new life overseas and regretting it. Thinking more practically, depending on the country where you're retiring, the costs of buying and reselling property can be significant, meaning that buying wrong can be expensive.

    On the other hand, I can imagine circumstances when you might choose to ignore my Rent First caveat and buy from the start of your retire overseas adventure. If you're retiring to a place where property values are appreciating, waiting a year before buying means you could be passing up healthy gains. Remember, the market dynamics that attracted you are attracting others, and early buyers enjoy the greatest rates of appreciation.

    Buying real estate overseas is fundamentally about diversification. This is true whether you buy for investment or for retirement and argues in favor of buying for retirement rather than renting, if not right away then eventually, once you're more certain of your situation. Buying your new retirement residence overseas means moving money out of the United States and putting it into another market and, potentially, another currency. Moving all your money out of the States and into a new retirement residence overseas doesn't alone bring you the diversification you should be seeking right now. However, using some of your capital to purchase a retirement residence in the place where you want to live and putting other of your capital to work in another market (that perhaps uses a different currency) gets you not only diversification but also what amounts to a rent-free retirement.

    Another advantage of buying your retirement residence overseas rather than renting it is that it helps you to "take the plunge." It allows you to move your life forward, unequivocally, embracing the new adventure. Many who rent before they buy do so in order to maintain a property back home, "just in case." While this can be sensible, it's also an anchor, a drag. It can divide your attention and keep you looking backward instead of ahead to your new life. Keeping one foot on the pier and the other on the departing boat can land you in the drink. You may remain only partially committed, which will be a handicap.

    The bottom line if you're considering launching your retirement in another country is to follow your instincts, not only with regards to what to buy overseas but also when answering the question, should you buy at all? You know yourself, your motivations and preferences, and how well you've researched your chosen destination. You know your level of commitment, your level of readiness, and your tolerance for risk.

    If you decide to invest in a new home of your own for your retirement overseas, here are 10 things to consider first:

    How To Buy For Retirement Overseas Tip #1

    How much space will you need? Do you want an apartment or a house? One bedroom or two? (You probably won't need more than two.) Two levels or only one? A guest room or even a guest house? Will you have guests often, for example? Will you want them to be able to stay with you, or would you prefer if they came and went from a hotel nearby?

    How To Buy For Retirement Overseas Tip #2

    Do you want a front yard, a back garden, or a swimming pool? All of these things require care and maintenance.

    How To Buy For Retirement Overseas Tip #3

    Do you want to be in the heart of downtown or out in the country?

    How To Buy For Retirement Overseas Tip #4

    Do you want a turn-key, a renovation project, or something in-between?

    How To Buy For Retirement Overseas Tip #5

    Do you like the idea of living in a gated community, or would you prefer a more integrated setting, such as a neighborhood where you could become part of the local community? This is a key consideration. Going local means you have to learn the local language (if you don't speak it already). Or perhaps you'd prefer to be off on your own with undeveloped acres between you and your nearest neighbor. In this type of rural setting you will need to build your own in-case-of-emergency infrastructure.

    How To Buy For Retirement Overseas Tip #6

    Consider traffic patterns and transportation. Where you base yourself determines whether you'll need to invest in a car, which is an important budget consideration.

    How To Buy For Retirement Overseas Tip #7

    Consider the convenience factor. How far is it to shopping, restaurants, nightlife, parking, and the nearest medical facility?

    How To Buy For Retirement Overseas Tip #8

    Do you want a furnished home? You may have no choice but to buy unfurnished (unless you buy, say, from another expat who's interested in selling his place including all contents). Buying unfurnished means you'll need to purchase furniture locally or ship your household goods from home.

    How To Buy For Retirement Overseas Tip #9

    What's your budget? This is the most practical guideline of all, of course. Be clear on your finances before you start shopping, and, if your budget is strict, don't be tempted to consider properties outside your price point. You'll only be disappointing yourself unnecessarily.

    How To Buy For Retirement Overseas Tip #10

    Finally, ask yourself what kind of view you'd like from your bedroom window each morning. This can be an effective way to focus on something important that might otherwise be overlooked until it's too late.

    Earlier on Huff/Post50:

    • Ecuador

      Ecuador may be one of the most inexpensive places to live for retirees on a budget. Not only is the <a href="http://www.huffingtonpost.com/2012/06/20/fortune-magazine-best-places-to-retire_n_1609136.html#slide=1115326" target="_hplink">cost of living extremely cheap</a>, according to Fortune magazine, but the South American country also uses the U.S. dollar. One couple interviewed by International Living lived on <a href="http://www.huffingtonpost.com/2012/04/17/affordable-overseas-retirement_n_1429436.html#s874483&title=Vilcabamba_Ecuador_From" target="_hplink">$600 a month</a>, spending as little as $1.25 per month on gas and $1.70 per month on water. (<a href="http://www.flickr.com/photos/palegoldenrod/4081854019/" target="_hplink">Image via Flickr</a>, Carly Lyddiard) <em>Correction: A previous version of this slide said that Ecuador was in Central America.

    • Panama

      Easy accessibility and <a href="http://www.huffingtonpost.com/2012/04/17/affordable-overseas-retirement_n_1429436.html#s874491&title=Santa_Fe_Panama" target="_hplink">excellent health care</a> are two major draws for retirees settling in Panama. According to <em>U.S. News & World Report</em>, the cost of living is not the cheapest -- especially in Panama City -- but the great <a href="http://money.usnews.com/money/blogs/On-Retirement/2012/03/19/the-18-best-places-to-retire-overseas" target="_hplink">retirement benefits</a>, <a href="http://www.aarp.org/home-garden/livable-communities/info-07-2010/best-places-retire-panama-boquete.html" target="_hplink">travel and entertainment discounts</a> and country-wide use of U.S. currency make up for the extra expenses. (<a href="http://www.flickr.com/photos/francesco_veronesi/4406579094/" target="_hplink">Image via Flickr</a>, Francesco Veronesi)

    • Philippines

      Since 1985, <a href="http://www.globalpost.com/dispatch/news/regions/asia-pacific/philippines/120703/retirement-expatriate-community-economy" target="_hplink">25,000 foreign retirees</a> have settled in the Philippines, <em>Global Post</em> reports. <a href="http://finance.yahoo.com/news/most-tax-friendly-places-retire-211248505.html" target="_hplink">Taxes are minimal</a>, so living is very comfortable on a pension of $3,000 per month. Post 50s may have to share the beach with younger folks since the minimum age <a href="http://www.globalpost.com/dispatch/news/regions/asia-pacific/philippines/120703/retirement-expatriate-community-economy" target="_hplink">for ex-pat retirees is 35.</a>. (<a href="http://www.flickr.com/photos/stoto98/5254792052/" target="_hplink">Image via Flickr</a>, SToto98)

    • Belize

      For a <a href="http://money.usnews.com/money/blogs/On-Retirement/2012/03/19/the-18-best-places-to-retire-overseas" target="_hplink">tropical climate</a> where <a href="http://www.aarp.org/home-garden/livable-communities/info-07-2010/best-places-retire-belize-corozal.html" target="_hplink">English is the official language</a>, retirees should look no further than Belize. The coastal country offers <a href="http://finance.yahoo.com/news/most-tax-friendly-places-retire-211248505.html" target="_hplink">no tax on foreign retirement income</a> and minimal sales and property taxes, according to <em>U.S. News & World Report</em>. (<a href="http://www.flickr.com/photos/hickatee/6324853508/" target="_hplink">Image via Flickr</a>, Ian Morton)

    • Southwestern France

      Some cities in France may be a bit out of the price range of the average retiree -- looking at you, Paris -- but the monthly expenses of other towns in the southwest are more affordable, notes the AARP. For Francophiles looking to settle in France, the <a href="http://www.aarp.org/home-garden/livable-communities/info-07-2010/best-places-retire-france-languedoc-roussillon.html" target="_hplink">history, culture, wine and food</a> are among the biggest enticements. (Photo credit: AP)

    • Bali

      With consistently perfect weather and beautiful beaches, Bali joins dozens of other beachfront locations that make for great retirement living. According to <em>The Wall Street Journal</em>, retirees can settle down on the Indonesian island for <a href="http://online.wsj.com/article/SB10001424052702303877604577384070844533062.html" target="_hplink">about $1,000 a month</a> (not including housing), as long as they don't mind trading in a front door for a open entryway -- as is custom in Bali. However, medical care is not the best. (Photo credit: Getty)

    • Costa Rica

      With <a href="http://finance.yahoo.com/news/most-tax-friendly-places-retire-211248505.html" target="_hplink">no taxes on foreign retirement income</a> -- according to <em>U.S. News & World Report</em> -- <a href="http://www.aarp.org/home-garden/livable-communities/info-07-2010/best-places-retire-costa-rica-central-valley.html" target="_hplink">Costa Rica</a> may be one of the ideal places to retire. Nestled between Nicaragua and Panama, the cost-friendly country boasts stunning beaches and rain forests. HuffPost bloggers Jeff Jones and Gay Haubner wrote about their experience <a href="http://www.huffingtonpost.com/jeff-jones-and-gay-haubner/house-hunting-in-costa-rica_b_1654711.html" target="_hplink">finding a house in Costa Rica</a>. (<a href="http://www.flickr.com/photos/dottieday/287835575/" target="_hplink">Image via Flickr</a>, Dottie Day)

    • Italy

      No list of places to retire abroad could be complete without Italy, where Diane Lane's character traveled to in the 2003 film "Under the Tuscan Sun." Settling in Rome is not the most feasible option, but like France, there are several Italian cities that offer a <a href="http://www.aarp.org/home-garden/livable-communities/info-07-2010/best-places-retire-italy-le-marche.html" target="_hplink">comfortable life of leisure,</a> full of delicious Italian food and wineries, on a budget, AARP reports. (<a href="http://www.flickr.com/photos/yarwood/29308454/" target="_hplink">Image via Flickr</a>, Russell Yarwood)

    • Campeche, Mexico

      Certain cities in Mexico are not the safest, especially along the U.S.-Mexico border, but there are still parts of the southern country that are increasingly popular with retirees. Campeche, located near Belize, boasts beautiful waterfront properties on the Gulf of Mexico and a low cost of living. A week's worth of market <a href="http://www.huffingtonpost.com/2012/04/17/affordable-overseas-retirement_n_1429436.html#s875023&title=Campeche_Mexico_From" target="_hplink">fruit and vegetables cost less than $10</a>, according to <em>International Living</em>. (Photo credit: <a href="http://www.flickr.com/people/malias/" target="_hplink">Flickr/Malias</a>)

    • Argentina

      While <a href="http://finance.yahoo.com/news/most-tax-friendly-places-retire-211248505.html" target="_hplink">taxes are a bit higher in Argentina</a> than other South American locales according to <em>U.S. News & World Report</em>, the large country offers a <a href="http://www.aarp.org/home-garden/livable-communities/info-07-2010/best-places-retire-argentina-buenos-aires.html" target="_hplink">wide range of places to settle</a> -- from major tourism hubs to smaller, inexpensive villages. However, retirees should plan on spending a little more on monthly expenses, because of the <a href="http://money.usnews.com/money/blogs/On-Retirement/2012/03/19/the-18-best-places-to-retire-overseas" target="_hplink">rising cost of living</a> and devaluation of the U.S. dollar, <em>U.S. News & World Report</em> writes. (<a href="http://www.flickr.com/photos/lferna/5857732656/" target="_hplink">Image via Flickr</a>, Luis Fernandez)

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    Source: http://www.huffingtonpost.com/kathleen-peddicord/retirement-overseas-should-you-buy-a-home_b_2481073.html

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