How Insurance Agency MA Experts Help You Save | FINANCE ...

Many drivers could save a lot on their insurance premiums if they took the time to understand all the parts of their coverage. Meeting with your agent for finding all the answers to your questions is important. Learn how insurance agency MA experts save you money.

Some areas in your finances may be hard to make changes in to save money, like loans that are set at a precise amount every month. However, you can make several changes to the coverage on a car or home that would make a huge dent in how much money you have going out every month. Learn more by discussing your personal circumstances with a qualified agent.

The internet has made it easy for you to locate money saving tips surrounding several types of policies. By learning more about these tips, you can also find the ways they apply to your personal situation. The more money you save, the more money you will have to do the things you want.

Most drivers carrying auto coverage also have needs for life and medical coverage as well. The experienced and knowledgeable agent can help you combine premiums for all the coverage you need at a lesser cost. You might also consider the addition of property coverage also. Keep in mind that maintaining the kinds of coverage you need with one company can help you save and provide a great mark on your credit score.

Look for an insurance department or commission online that serves the area you live in. By doing so, you can learn about the minimum requirements you need to fulfill and learn about the parts of coverage you may not need at all. Every area is different in some aspect of their guidelines, so making sure you know about the ones that apply to you is important.

Paying for coverage you do not need nor will ever use is a waste of your hard earned money. By taking the time to learn more from insurance agency MA professionals, you can make a difference in the amount of money you have left out of your budget for other expenses.

We have a lot more helpful information about Examining The Benefits An Insurance Agency MA Can Provide You .

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Models at the moment carrying ?

Models at the moment carrying out internet marketing then you are seriously missing a key.

Internet marketing started out be simple reality that if another web-site supplies you with a visitor and this individual is a client of the one you have then you definately must say thanks to other web site by them a little slice oAffiliate marketing

Affiliate marketing online is now a great deal more intricate nevertheless the fundamentals are still the similar. You would like numerous internet sites as possible being badly behaved of you on their website visitors in order that they come and see your items, and then in return for you pay a good encourage to this web site dependant on your company profits and profit margins.

Here I?m going to endure some of the stuff that new to angling should consider when putting together a joint venture partner marketing programme:

1) The most effective feePerprize structure on your business enterprise

2) The best systemPerutes to utilize dependant on their online starting electronic.gary. the sorts of affiliate marketers that are with these and that they tend to attract.

3) How to get exposure to the crucial online marketers internet websites and with the affiliate marketing network.

4) Taking care of new offers and inducement systems to stimulate internet marketers to develop you in lieu of your rivals.

Choosing an online affiliate compensate framework for ones business enterprise The first thing to look at is the best new customer recruiting costs, at the.gary the gadget guy. If over one four week period you spend 5000 on advertising and marketing and you get 100 new customers then a new client recruitment expense is 60. Crossstitching reference this together with your customer life long cost(once you discover it) to see the amount payment you could shell out your internet marketers.

A Basic explanation of the way you might compute this is as practices: The purchaser life-time cost stands out as the ordinary best series gain that each consumer brings you more than their life time.

To assess a buyers life span benefit the easiest way it?s possible for taking a gaggle of prospects which you new with a weeks time frame and to trail their shell out over a couple of a long time, you may lose some buyers, but other people you?ll sustain so you might want a good taste dimensions to the working out to get suitable.

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1000 clients enrolled in August 2008.

Consequently earnings revenue for these 1000 customers of 120,000GBP over two years, and also a per purchaser earnings of 120GBPVersusconsumer.

This is certainly an extremely abrasive fag packet model but it is worthy of this process training to be able to then identify the productivity famous your advertising and marketing programs through looking at what their cost for each new company consumer attained is and assessing it to the consumer life cost.

Anyways, to prevent from directing also wide form the goal of the article? Because of this physique you may then see how much you are prepared to expend per customer for your affiliate marketing.

You know that should you invest 120GBP each purchaser acquisition you?ll crack even on that client for those times you construct in that you want to make 50Percentage gain and invest 50Percentage of your buyer value then you can definitely devote 60GBP for every customer received.

Now, in the event you work out the average number of order placed of people 1000 consumers over the 24 months you will know your typical sequence measurements via splitting up whole sales revenue by overall orders.

Say as an example that this average number of order placed was 4 then you will produce an regular obtain size 250GBP.

So according to this if you?re able to expend 60GBP every new purchaser order then a payment stage for Inchesnew? clients can be slightly below 25Percent.

Having said that, its not all jobs are from InchnewInches customers so you could do this certainly one of 2 things:

1) Decide to common out fee around all product sales by nevertheless each and every one inch 4 customers is completely new it will be possible will probably pay 6Pct commission rate general

2) Determine to experience a advanced of fee on start up company requests as well as a decrease level on other orders electronic.gary. 10% and 5Percentage respectively (even though you will need to hold the after sales site operation on the market to monitor distinct consumer sections).

Together with the value to your conclusion affiliate marketing you need to estimate a multilevel cost. As a simple information this is about 25-35Per-cent on the percentage settled to the affiliate marketers. Therefore, if you only pay web marketers 1000Versusfour week period then you also have to shell out your circle a price of about 300Andmonth and this should be considered when finding out commission rate amounts.

Constantly fixed your percentage amounts slightly below within your budget allowing you to have the choice of increasing earnings for in season marketing promotions as well as for allowing substantial carrying out internet marketers increased benefits etcetera.

What?s the finest affiliate marketing multilevel for me personally? The exact amount how the affiliate marketer networks are able to reveal to your account relies on your skills to be a negotiator plus the potential dimensions of your small business for the affiliate sites.

Approach the many large communities ? Tradedoubler, Buyat, Linkshare, Cj . Com, Internet Upcoming and Clickbank . com, make clear that you are going to be putting together an affiliate marketing program so you want equally as much facts as you can on why you must go along with them.

Inquire:

If you will get a fair bit of details on many of these inquiries then you will be in the good place to strategy the discussing position and participate in them out of versus each other. Definitely the volume of power you may have and ways in which significantly you are able to go will largely rely upon how big your company and what sort of sales you may deliver the affiliate marketer sites. Make the sites enthusiastic about your marketing and development programs. Make clear your prior overall performance and what your programs are for the next calendar year ? whenever they look at you as a possible broadening and escalating product they?ll likely will reach more to fit the bill.

By the time you need to this position you may have your preferences, select the details, the best selection whilst your instinct experience.

If you?d prefer and continue people on the genuine levels and have faith in that they need to carry your enterprise seriously and definitely will spend an afternoon offering afterward you choose them, only when the ads and their company suggestion stack up as well. Obtaining exposure with all the crucial internet marketers for ones marketplace After getting your build and you are therefore ready to go think about do is build a target listing of internet marketers that you?d like selling you. Position the associates available by likely and then talk with the cpa networks on getting the finest housing probable to the web marketers web pages.

Have the affiliate network to give you a listing of each and every affiliate marketing who has motivated a buying deal for the adversary of you (which is of their system) within the past 6 months. Consult the online circle to rate the web marketers if you want of income pushed (certainly without worrying about hypersensitive facts) if they wreck and supply the vulnerable files (unlikely) then each of the far better. Developed a promotional afford the first 3-4 months and make sure that your delivers blow the opposition out of your waters. Online marketers are businesses in their own right so can be just thinking about promoting the vendor who is going to make them essentially the most money, when you give them an even better % fee along with your change minute rates are practically your competitors or better then you?ll quickly gain them over. Read the prime online marketers EPC (salary every press). Then you definately need to have to sort out the way to provide them with the chance earn in excess of this on hand ? generally calculate: (web site conversion process charge times (commission payment for each sales Y Regular purchase measurements).

Ensure that the affiliate marketing multilevel have agreed to offer displayed vendor standing for that primary four week period and that you are included through out their sitePerblog/facebookOrzynga and so forth and email messages.

Mail all of the other affiliates right away introducing all by yourself as their service pictures firm, make clear your task, affiliate product words (commission rate and so forth) and describe that you have got an unrivaled present for any primary four week period that is going to have high conversion rate.

Save some excess fat inside promo expend afford the top affiliate marketers to be able to present them an existing for any good spot on his or her internet site.

Once you?ve the very best 10 on board and therefore are signing up the long tail in the electronic mail then get on the telephone and come about the checklist acquiring a growing number of affiliates up to speed, it will have many people you can?t get and/or who do not respond don?t worried because regular, online marketers are busy persons. Just try out to come up with very good solutions to pick up their focus and influence all contact lenses on the community to aid you in getting in contact with the affiliate marketers.

Stay in near experience of the network ? make them aware you?ll cause them to work for their payment, regards and related if they are very good but beware of them staying a lot more very lazy after the preliminary many different kind ? you must contain the pace not less than the initial 3-4 months after which it it needs to start to get easier since you have some safeguarded human relationships that will not have to have too much repair. Machine to either associates and the cpa networks.

New affiliate marketer deals to have the internet marketers promoting you instead of your competitors This can be certainly a tricky one without the need of crystal clear proper/completely wrong way. There are some policies that I would stay with though:

Keep elements uncomplicated ? as pointed out above online marketers are fast paced therefore if generate a properly sophisticated (on the other hand fun) promotional concept they can just pull the plug on prior to selling it directly into them.

Continue to keep issues fresh ? don?t simply dole out the usual ads on a monthly basis towards affiliates, there won?t be any serious bonus to enable them to maintain selling you together with attempting new stuff to suit your needs if they already know that operate will work for their internet site.

If you can platform your promotions for the best internet marketers around their site and what helps out them ourite.grams. let?s say you sell T-tshirts and pillows then one site is soaring around the cushions then provide them with promotions close to cushions.

Makes use of the data you might have just after every single discount ? see what works for who and attempt to understand their internet site use report to be able to fulfill their demands.

Demonstrate that person at affiliate marketer situations, it?s the perfect time in the market, do people favours and easily frequently and enjoy yourself just as if people see you remaining entertaining and beneficial culturally this will impression the business marriage you may have along with them.

If anyone has anything that they feel could be added to this text then just let me know so i will prove to add it in. Best of luck using your

!

Tags: web site conversion process charge times, affiliate marketer, online marketer, affiliate marketer networks, cpa networks

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Internet Bundles And You: The Numerous Benefits

Buying effective internet services, especially when you happen to be buying other virtual home services can be quite costly on your wallet. Individuals are having a difficult time spending pricey fees for quick internet due to today?s economy. If you haven?t already, you ought to take a little bit of your time to learn about the numerous internet bundles that many companies offer today.

If you decide on? business of service carrier for your different devices, like internet, phone and cable, they are going to usually offer you better deals for being loyal to their company. When paying bills to numerous different companies, it can become overpowering. It could be far more convenient and cost effective to pay for all of these services on one bill. Many of these packages will offer you additional things that you should enjoy like better cable channels, and you will be able to spend less. Having an further hundred channels and spending less money is always good.

These companies might even provide a variety of bundles to pick from, so you can pick whatever suits your own personal needs and your distinctive budget without having not enough or far too much. Commonly, if a company only offers internet or cable or one service, the values are going to be higher. Don?t waste your cash when you might be choosing what channels you would want to view and buy. Normally a digital phone service is provided by businesses who provide cable and internet. In relation to a new, modern way to have a phone line, digital phone services are all the rage. In addition, you will find them to be more cost-effective than landlines. ?? ?

By pairing up your internet with a digital phone service, it will be an easy task to keep track of your contacts, you might have an improved phone signal, and this service may also allow it to be convenient to video chat with friends and also loved ones over the internet. Basic landlines will not be able to offer you this, and you?ll still have to pay just as much or more. To support other interests such as online video streaming or video games, quality businesses also offer extremely fast websites. Out of date companies cannot provide high quality internet to suit everyone?s virtual needs. You could be paying less than fifty dollars a month for superb services with the most current internet services.

With a digital telephone plan, you can select your services and just how much you would like to pay, according to what sort of services you desire or need. If you often want to make international calls, there are inexpensive packages accessible to you that might save you over a hundred dollars a month. Not only can you have a digital telephone service, but you also can link your digital phone service to your wireless services. This makes it handy for you to manage your phone numbers and multiple phone lines as necessary. Don?t keep spending cash for out of date services, look into the new internet bundles that are available to you.

If you want some effective information on the internet and options for you, check out our web site to discover more about att best bundle or att bundle plans.

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Russia chides ally Syria over massacre of 108

BEIRUT (AP) ? A weekend massacre of more than 100 people emerged as a potential turning point in the Syrian crisis Monday, galvanizing even staunch ally Russia to take an unusually hard line against President Bashar Assad's regime.

Analysts say Russia may be warning Syrian President Bashar Assad that he needs to change course or lose Moscow's support, which has been a key layer of protection for the regime in Damascus over the course of the uprising, which began in March 2011.

Russia has grown increasingly critical of the Syrian regime in recent months, but Foreign Minister Sergey Lavrov's latest comments were unusually strong. Although he said opposition forces have terrorists among them, he put the blame for 15 months of carnage primarily on Assad's government.

"The government bears the main responsibility for what is going on," Lavrov said in Moscow following a meeting with British Foreign Secretary William Hague. "Any government in any country bears responsibility for the security of its citizens."

Alexei Malashenko, a Middle East expert with the Carnegie Moscow Center, said Lavrov's comments suggest Russia may be backing away from its long-standing support for Damascus.

"Bashar Assad is driving himself and Russia into a corner," Malashenko said. "Bashar has definitely gotten the sense that he may lose Russia's sympathy and he may step back a bit."

It is not clear whether Assad's forces were exclusively to blame for the slaughter of 108 people Friday in Houla, a collection of poor farming villages in Homs province. The U.N. said 49 children and 34 women were among the dead; some had bullet holes through their heads.

The U.N. Security Council blamed Syrian forces for artillery and tank shelling of residential areas, but it did not clearly state who was responsible for the close-range shooting deaths and "severe physical abuse" of civilians.

Activists from the area say the army pounded the villages with artillery and clashed with local rebels. They said pro-regime gunmen later stormed the area, doing the bulk of the killing by gunning down men in the streets and stabbing women and children in their homes.

The Syrian government rejected that narrative entirely, saying soldiers were attacked in their bases and fought back in self-defense, but did not leave their bases.

Russia blamed both the regime and the rebels for the Houla massacre.

"Both sides have obviously had a hand in the deaths of innocent people, including several dozen women and children," Lavrov said. "This area is controlled by the rebels, but it is also surrounded by the government troops."

He said Russia has no interest in propping up Assad's regime, but wants Syria to guide its own transition under a plan brokered by special envoy Kofi Annan.

"We don't support the Syrian government, we support Kofi Annan's plan," Lavrov said.

Moscow's pro-Syria stance has been motivated in part by its strategic and defense ties, including weapons sales, with Damascus. Russia also rejects what it sees as a world order dominated by the U.S.

But as the country spirals toward chaos, Russia could scale back that support.

Losing Russian support could be disastrous for Assad because his crackdown has left him almost completely isolated internationally. Russia and China have stood by him so far, using their veto power in the past to block U.N. resolutions against him.

Hilal Khashan, a political science professor at the American University of Beirut, said the Houla massacre appears to be ushering in a change in Russia's position.

"There is a shift and the momentum against the regime is gathering," Khashan said. "The momentum is building and the Russians are not blocking the rising momentum."

The Syrian conflict is among the most explosive of the Arab Spring, in part because of Syria's allegiances to powerful forces including Lebanon's Hezbollah and Shiite powerhouse Iran.

Activists say as many as 12,000 people have been killed since the uprising began in March 2011. The U.N. put the toll as of March, a year into the uprising, at 9,000 but the count is out of date as many hundreds more have died since.

It is virtually impossible to independently verify the death toll in Syria.

Annan's peace plan, which calls for a cease-fire and dialogue, has been faltering for weeks, but many analysts see it as a way to unify the international community behind a single proposal.

Western leaders have pinned their hopes on Annan's diplomatic pressure, with the U.S. and others unwilling to get deeply involved in another Arab nation in turmoil.

Annan arrived in Damascus Monday for talks with Assad and other officials and called on "every individual with a gun" in Syria to lay down arms, saying he was horrified by the Houla massacre.

"This message of peace is not only for the government, but for everyone with a gun."

Britain's Prime Minister David Cameron and French President Francois Holland spoke on the phone and expressed their desire to work with Russia to resolve the crisis in Syria. A spokeswoman for Downing Street said Cameron and Hollande agreed to act together to "bring an end to the bloody suppression of the Syrian people."

Syria has brushed off nearly all international pressure since the uprising against Assad's regime erupted. Activists reported fresh violence Monday, saying troops shelled several neighborhoods in Hama, killing at least 24 people.

Assad denies that he is fighting a popular uprising, saying terrorists and armed gangs are driving the unrest. His supporters point to a string of suicide attacks to support their claims that foreign terrorists ? not reform-seekers ? are behind the violence.

There are widespread fears that al-Qaida and other extremists may be joining the fray in Syria and exploiting the chaos there, but the opposition and the rebel force in Syria say they have nothing to do with any terrorist attacks.

Syria's uprising began with mostly peaceful calls for change in one of the most repressive regimes in the Middle East. But as the government cracked down on opponents with increasingly deadly force, many protesters began taking up arms.

The conflict has grown dangerously militarized. Rebel fighters say they are targeting soldiers and military installations to chip away at the regime's power and protect civilians. Now the international community has nearly run out of options for halting the slide toward civil war.

___

Berry reported from Moscow. AP writers Bassem Mroue in Beirut and Vladimir Isachenkov in Moscow contributed to this report.

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Less couch time equals fewer cookies

Tuesday, May 29, 2012

Simply ejecting your rear from the couch means your hand will spend less time digging into a bag of chocolate chip cookies.

That is the simple but profound finding of a new Northwestern Medicine study, which reports simply changing one bad habit has a domino effect on others. Knock down your sedentary leisure time and you'll reduce junk food and saturated fats because you're no longer glued to the TV and noshing. It's a two-for-one benefit because the behaviors are closely related.

The study also found the most effective way to rehab a delinquent lifestyle requires two key behavior changes: cutting time spent in front of a TV or computer screen and eating more fruits and vegetables.

"Just making two lifestyle changes has a big overall effect and people don't get overwhelmed," said Bonnie Spring, a professor of preventive medicine at Northwestern University Feinberg School of Medicine, and lead author of the study published in Archives of Internal Medicine.

"Americans have all these unhealthy behaviors that put them at high risk for heart disease and cancer, but it is hard for them and their doctors to know where to begin to change those unhealthy habits," Spring said. "This approach simplifies it."

With this simplified strategy, people are capable of making big lifestyle changes in a short period of time and maintaining them, according to the study.

Spring wanted to figure out the most effective way to spur people to change common bad health habits: eating too much saturated fat and not enough fruits and vegetables, spending too much sedentary leisure time and not getting enough physical activity.

She and colleagues randomly assigned 204 adult patients, ages 21 to 60 years old, with all those unhealthy habits into one of four treatments. The treatments were: increase fruit/vegetable intake and physical activity, decrease fat and sedentary leisure, decrease fat and increase physical activity, and increase fruit/vegetable intake and decrease sedentary leisure.

During the three weeks of treatment, patients entered their daily data into a personal digital assistant and uploaded it to a coach who communicated as needed by telephone or email.

Participants could earn $175 for meeting goals during the three-week treatment phase. But when that phase was completed, patients no longer had to maintain the lifestyle changes in order to be paid. They were simply asked to send data three days a month for six months and received $30 to $80 per month.

"We said we hope you'll continue to keep up these healthy changes, but you no longer have to keep them up to be compensated," Spring said.

The results over the next six months amazed Spring. "We thought they'd do it while we were paying them, but the minute we stopped they'd go back to their bad habits," she said. "But they continued to maintain a large improvement in their health behaviors."

From baseline to the end of treatment to the end of the six-month follow-up, the average servings of fruit/vegetables changed from 1.2 to 5.5 to 2.9; average minutes per day of sedentary leisure went from 219.2 to 89.3 to 125.7 and daily calories from saturated fat from 12 percent to 9.4 percent to 9.9 percent.

About 86 percent of participants said once they made the change, they tried to maintain it. There was something about increasing fruits and vegetables that made them feel like they were capable of any of these changes," Spring said. "It really enhanced their confidence."

"We found people can make very large changes in a very short amount of time and maintain them pretty darn well," Spring said. "It's a lot more feasible than we thought."

###

Northwestern University: http://www.northwestern.edu

Thanks to Northwestern University for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Canon Vixia HF M50

In a time when most high-end smartphones and point-and-shoot cameras can capture HD video, the consumer camcorder lies in a precarious position. The Canon Vixia HF M50 ($649.99 direct) represents the company's midrange model, offering a variety of useful features, like Wi-Fi and built-in flash memory, and high-quality video, all in a compact and familiar form-factor. However, the question remains: Who is this camcorder meant for and is it worth the rather steep asking price?

Design and Features
One of the advantages of a dedicated camcorder over a smartphone or digital camera is the comfortable form factor. The M50 is a perfect cylinder, measuring 2.5 by 2.7 by 4.8 inches (HWD) and weighing 10.9 ounces. It's neither too big nor too small, and fits nicely into the palm of the hand. A typical point and shoot, like our Editors' Choice Canon PowerShot S100 ($429.99, 4.5 stars), weighs around 5 to 7 ounces, making it a bit more difficult to hold steady when recording.

The body is constructed from glossy and matte black plastics, with some metal highlights and elements. The Record button sits to the right of the removable, rechargeable battery, and is easily accessible by thumb. The zoom rocker is positioned on top, in front of the mini advanced accessory shoe. To the left of the zoom rocker is the power button, and in the recess behind the LCD are Home, Video Snap (to take a quick 4-second video), and Playback buttons. Below those buttons are a mini USB and mini HDMI port, as well as a 3.5mm headphone jack and 3.5mm mic jack. Below the hand strap is a single card slot that accepts SD, SDHC, and SDXC cards. The M50 comes with 8GB of built-in memory.

The 3-inch LCD is touch enabled, and all the controls can be accessed through a series of touch menus. The 230k-dot screen resolution is too grainy to appreciate the HD video being captured, and it was a bit dim in bright sunlight. Touch input is decent, though it's difficult to be precise with some of the smaller virtual buttons?for example, setting up Wi-Fi is a pain due to the cramped virtual keyboard. The built-in Wi-Fi is a nice touch, though, as you can wirelessly transfer video from the camcorder to your computer or to YouTube and Facebook through a free app for iOS devices.?The lack of physical controls makes it a bit cumbersome to make advanced changes to exposure, white balance, or focus.

Performance
Canon equipped the M50 with a?1/3-inch HD CMOS Pro sensor with a 10x optical zoom lens that covers a 43.4-436mm focal length (35mm equivalent). The "Pro" tag denotes greater low light performance, with an f/1.8 aperture at its widest point, which narrows down to f/3 when zoomed all the way in. The lower-end Vixia HF R300?($349.99, 3.5 stars) packs a 32x optical zoom factor, with a 38.5-1,232mm focal length (35mm equivalent), but uses a 1/4.85-inch CMOS sensor. The larger sensor on the M50 means larger pixels, which equates to better low light performance. The R300 is a bit more versatile, both at its widest and most zoomed in, but the low light performance is vastly superior with the M50. ?

There are a number of recording modes, with the highest quality set at 24Mbps and full HD video in MXP mode. It's not true progressive video, but rather uses 60 interlaced fields per second that are then encoded to 30 frames per second. There is a Cinema Mode that artificially makes the video appear to move at 24 frames per second, the standard for film projects, but it still isn't truly progressive. At its highest setting, video is recorded in AVCHD, while lower quality clips can be saved as MP4s, but those are limited to 30 minutes each. ?

For most, the full Auto mode should suffice, as navigating the touch screen menus and adjusting settings is not especially intuitive or precise. In my tests, the autofocus was accurate, but it had some trouble keeping a lock on objects when fully zoomed in, switching focus to the background intermittently. Auto white balance and exposure were surprisingly fast and accurate, though panning across a room with varied lighting caused very noticeable shifts in color?though that's pretty typical with Auto modes. The M50 has a Powered Image Stabilization mode and a Dynamic auto mode. Both worked well, though I would keep it in Powered mode if you're planning on using the zoom extensively. One minor gripe: When at its telephoto reach, the image stabilization gave the video a bit of a dreamy wobble effect, reminiscent of HDTVs with high refresh rates.

Video looked sharp in MXP mode, with the M50 capturing fine details and textures at both its widest angle and telephoto reach. Image noise is kept to a minimum, and even in low-light settings, the quality was good. Dynamic range was acceptable, though the dark spots of shadows were a bit too dark, losing too much detail, while bright spots remained properly exposed. The lower-priced R300 was able to capture comparably sharp video, though its low-light performance lagged behind the M50. Color accuracy was also a bit more problematic on the R300, as colors tended to appear cooler than in real life.

Audio quality was decent, though not entirely impressive. The microphone picked up voices loud and clear from reasonable distances, but was also prone to wind interference. Luckily, there are microphone and headphone jacks for better audio quality and more precise monitoring.

Many people will consider their smartphones or point-and-shoots to be capable replacements for a standalone camcorder. When compared with our Editors' Choice high-end point-and-shoot, the Canon PowerShot S100, the M50 is in the same realm on sharpness, but the real advantage with the M50 is smoother looking video in moving shots. The S100's video is choppier through movements, even slow pans, and the auto-exposure can cause instances of overexposure that appear as quick flashes. That same choppiness plagues smartphone and tablet video, while neither of those is really suited for anything but ideal lighting situations. In terms of still photos, the M50 can capture JPEG images, but at 2-megapixel resolution,?the quality is mediocre. The S100 pumps out beautiful photos, and smartphone cameras are starting to take great stills too.

Conclusions
The Canon Vixia HF M50 captures pleasantly crisp, fluid video in a variety of lighting situations, with an easy-to-use and accurate fully automatic mode. Extras like built-in flash memory and Wi-Fi connectivity sweeten the deal, but the $649.99 price tag is a bit steep when you consider that good compact interchangeable lens cameras can be had for the same price. The lower priced Vixia HF R300 can capture similarly good-looking video, but suffers a bit in terms of lighting range. The R300 does, however, have the advantage of a wider angle lens and 32x optical zoom. With such a compact body, some sacrifices in manual controls had to be made. Luckily, the fully automatic mode is fast and accurate, though more advanced shooters may find the touch-screen navigation too cumbersome and imprecise. An interchangeable lens digital camera like our Editors' Choice Sony Alpha NEX-C3?($649.99, 4.5 stars) takes some truly stunning still images, but its video capture tops out at 720p. If you plan on playing your home movies or video projects on large HDTVs it might make sense to pony up the extra cash for a dedicated camcorder. However, unless the familiar camcorder form factor is a must-have, a solid digital camera like the NEX-C3 or the Olympus PEN E-PM1?($499.99, 4 stars) are more versatile.

More Digital Camcorder reviews:
??? Canon Vixia HF M50
??? Canon Vixia HF R300
??? Ion Air Pro WiFi
??? Looxcie 2
??? GoPro HD Hero2 Outdoor Edition
?? more

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16-year-old sets off buzz over 325-year-old physics

Jugend Forscht

Sixteen-year-old Shouryya Ray, a student from Dresden who was born in Calcutta, submitted a paper proposing analytical solutions to two problems in particle dynamics.

By Alan Boyle

A research paper that claims to fill in a gap in Isaac Newton's formulas for the physics of falling objects has drawn worldwide attention to a 16-year-old student in Germany, but physicists are reserving judgment until they've seen the proof.

The focus of the buzz is Shouryya Ray, an Indian-born student who won second prize this month in the math and informatics category for Germany's Jugend Forscht student science competition. Ray tackled a couple of longstanding puzzlers for physics students: How do you account for air resistance in calculating the trajectory of ball thrown out at an angle? And precisely how does a ball thrown against the wall rebound?

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The first question relates to Newton's law of universal gravitation: In his Principia Mathematica, published in 1687, Newton laid out how a gravitational field would affect a thrown object ??but he didn't account for the effect of air resistance. Through the centuries, physicists have used numerical approximations to take drag into account, and when computers come into play, those approximations can be incredibly precise. But Ray said he wanted to come up with a set of formulas that could calculate the effect directly, even though his instructors said that had never been done.

"I asked myself: Why can't it work?" he told the German newspaper Die Welt.

That's what Ray tried to do in his prize-winning paper, titled "Analytical?Solution of Two?Fundamental?Unsolved?Problems of?Particle Dynamics" ("Analytische L?sung von zwei ungel?sten fundamentalen Partikeldynamikproblemen"). In addition to the falling-ball problem, Ray took on a puzzler of more recent vintage, having to do with the description of a particle's collision with a wall, as described by 19th-century theory. But it was the "kid-trumps-Newton" angle that really stirred up a buzz.

Die Welt's report came early in the game: The Daily Mail and?The Sunday Times of London picked up the story, adding to the sensation. The idea that a teenager could figure out something that Newton didn't is irresistible ? particularly when the teen is an immigrant from Calcutta who says he's no genius. But the story just sparked more questions among inquiring minds in such online hangouts as?Physics Forum,?Slashdot?and Reddit: What exactly did Ray do? And were these problems really such mysteries to solve?

That's a challenge, because Ray's paper was a school project submitted for a contest, and thus not subject to the publication process and peer review that professional work typically goes through. For that reason, the experts are reluctant to weigh in.

"This story seems rather suspicious," Richard Fitzpatrick, a physicist at the University of Texas in Austin, told me in an email. "None of the news reports give any details of the calculation. None of the people who hailed Shouryya Ray as a genius are scientists, and none of?them give the impression that they have seen the calculation in question. It is impossible to gauge the scientific merit of the calculation until it is made public."

Syracuse University physicist Simon Catterall said in an email that calculating the trajectories of falling objects hadn't been seen as a particularly grand puzzle of physics. "The background given in the article seems genuine enough, so it may indeed be true, but I haven't heard anything about a new solution to a Newtonian problem on the grapevine," he told me.

Based on what's come out about the work so far, the consensus seems to be that Ray has done amazing work for his age ? and if he had to choose between his passion for science and his passion for soccer, he'd be well-advised to pick math and physics.?His paper putting forth an "analytical solution to two fundamental unsolved problems" may not be the breakthrough that some of the reports have made it out to be, but that doesn't take anything away from the teenager's achievement.

"What Ray has worked out, almost certainly independently, would definitely put him in the 99th percentile amongst his peers and maybe even more," one Redditor observed.

By the way, the first-place winner in the math and informatics category, Julius Kunze, wrote a paper on relativistic ray tracing. But that's a different story...?

Update for 5 p.m. ET: Other experts on Newtonian physics have replied to my follow-up queries via email:

Oxford University physicist James Binney: "Doesn't sound too interesting to me. The resistance of air to the ball won't be susceptible to simple analytic formulae ??if the ball is of ordinary size, [greater than a centimeter] radius ??the flow around it will be in the high Reynolds-number regime and involve a thin boundary layer. Such flows were extensively studied from the last part of the 19th century, so it's true that they lie beyond Newton's knowledge. A good approximation will be to take the drag force as pi r^2 rho v^2, where r is the radius of the ball, v its speed and rho the density of air. I'm unaware of a puzzle regarding bouncing balls. In detail the bounce will depend on the physical properties of the ball ??as any squash player knows. Usually one adopts a coefficient of restitution.?To be impressed we need to know details."

University of Bristol physicist Michael Berry: "Without seeing the details of what Ray has claimed, it's impossible to comment intelligently. It depends crucially on how he has modeled the air resistance. But a falling body with air resistance (however modeled) is hardly a 'fundamental unsolved problem,' as he seems to think. There's a powerful aroma of hype."??

More about physics:

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Alan Boyle is msnbc.com's science editor. Connect with the?Cosmic Log?community by "liking" the log's?Facebook page, following?@b0yle on Twitter?or adding?Cosmic Log's Google+ page?to your circle. You can also check out?"The Case for Pluto,"?my book about the controversial dwarf planet and the search for other worlds.

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