Seorang remaja di Prancis menyuntik teks Al-Quran dan Alkitab yang sudah diubah menjadi DNA ke dalam tubuhnya. Teks yang ia suntikkan adalah Surat Ar-Ra'd dan Kitab Kejadian.
"Studi terbaru telah menemukan kemungkinan mengubah informasi jenis apapun menjadi DNA untuk kepentingan penyimpanan," jelas Locatelli, seperti dikutip dari IFL Science.
Locatelli mengganti setiap karakter Arab di Al-Quran serta karakter Ibrani di Alkitab dengan nukleotida, struktur pembentuk inti sel DNA dan RNA. Lalu, dengan nukleotida itu dia membuat sebuah sekuensi DNA berdasarkan teks-teks religius tersebut.
Hasilnya, Locatelli hanya mengalami sedikit reaksi dari injeksi teks-teks religius itu. Paha kirinya mengalami peradangan ringan selama beberapa hari, sementara paha kanannya tidak memberikan reaksi apapun. Tapi dia tidak bercerita bagaimana informasi yang sudah dimasukkan ke dalam tubuh itu digunakan.
Pernahkah Anda melihat film superhero di mana mereka menyuntikan serum pada DNA mereka agar memiliki kekuatan super? Ternyata metode seperti itu benar-benar ada dalam kehidupan nyata. Namun, kali ini bukan suntikan yang memberikan kekuatan super, namun ini adalah cara untuk memberikan informasi langsung ke dalam tubuh.
Seorang remaja Prancis belum lama ini telah menyuntik dirinya sendiri dengan urutan DNA yang diklaim berisi teks dari Alkitab dan Alquran. Akibatnya hal ini memicu kritik keras dari para ilmuwan yang terlibat dalam sains khusus.
Adalah Adrien Locatell, remaja dari Grenoble, Prancis itu menerjemahkan bagian-bagian Alquran dan Alkitab ke dalam bentuk kode DNA untuk menghasilkan protein yang dapat ia masukkan ke dalam tubuhnya.
Tentunya risiko ini tidak main-main dan bisa berisiko bagi tubuhnya. Tanpa adanya pelatihan formal sebagai ahli genetika, Locatell berisiko mengalami kerusakan serius pada dirinya sendiri. Apalagi ia tidak memiliki pengetahuan tentang efek protein yang ada pada tubuhnya.
a hanya berusaha melakukan hal aneh dan melibatkan suntikan ramuan pada kedua pahanya. DNA tersebut terdiri dari bahan kimia yang diberi huruf ACGT. Berbagai kombinasi huruf-huruf ini sama dengan pengkodean gen.
“Studi terbaru telah melaporkan bahwa mungkin untuk mengubah semua jenis informasi ke dalam DNA untuk tujuan penyimpanan,” tutur Locatell, sebagaimana dilansir dari Faith Wire, Jumat (21/12/2018).
“Karena memungkinkan untuk mengubah informasi digital menjadi DNA, saya bertanya-tanya apakah mungkin untuk mengubah teks agama menjadi DNA dan menyuntikannya ke makhluk hidup. Ini adalah pertama kalinya seseorang menyuntikkan makromolekulnya dari teks,” lanjutnya.
Locatelli mencatat bahwa ia mengganti setiap karakter Ibrani dalam Kitab Kejadian dengan kode DNA, yang terdiri dari 2:10 hingga 2:14,5 dan 7:1 hingga 7:5 karena mereka sangatlah kontroversial. Kabarnya eksperimen genetik Locatelli berisiko menyebabkan dampak negatif.
Ahasil beberapa ilmuwan yang melihat tingkah konyol Locatelli pun memberikan komentar kepadanya.
"Biohackers yang terhormat, tolong berhenti. Kamu idiot,” tutur ilmuwan Isaac Stoner.
Selain itu ada pula seorang mahasiswa pascasarjana bernama Ella Watkins menulis: "Saya tahu kemungkinan dari protein dekat dengan sesuatu yang berbahaya dalam ruang sekuens relatif rendah, tetapi sikap avant-garde dan mengabaikan etika terhadap sains menakutkan maka akhir umat manusia akan berada di tangan seorang idiot.”
Sumber : Okelifestyle
Three Marketing Automation Benefits for Cross-Selling Insurance Policies
Marketing automation
has become a game changer for the insurance industry, as it helps insurers
shine the brightest in a crowded landscape. It helps guide prospects through
the buyer’s journey, providing personalised and purposeful content delivered at
optimal times along the way. Engaged communication is a large portion of
marketing automation and insurers can additionally benefit by using the
platform to cross-sell insurance policies to existing customers.
According to the book Marketing Metrics, the probability of
selling to a new prospect is five-20%, while the probability of selling to an
existing customer is 60-70%. This translates to the insurance industry through
cross-selling, upselling for bundle discounts and higher liability coverage.
Cross-selling policies, in particular, are key to the insurance industry’s
growth, especially for profitability and increased customer retention. Multiple
policies qualify customers for additional discounts and lead to a stronger
sense of trust in the insurance company. When policies are promoted
effectively, insurers are going above and beyond customers’ expectations by
caring for their future insurance needs.
Cross-sell the right policies to the right customers
It’s the responsibility of the insurer to address future
insurance needs to the appropriate customers, including for policy
cross-promotion. For example, if insurers are selling personal lines of
insurance, a growing family will have different policy needs than a retired
couple. Customers value policies that are relevant to them at their current
stage of life, rather than ones that they have no need for.
Similarly, knowledge is power. It is essential to know whether
existing customers already have policies that you’re cross-selling - otherwise,
you’re at risk of losing credibility and the trust of your customer.
Marketing automation and its database of your existing customers
helps segment and determine what policies are most relevant to which customers.
Delivering the right cross-sell, to the right policyholder, at the right time
shines a positive light on you as the customer’s insurer, because you’re
recognising the subtle - but big - difference in promoting, say, a homeowner’s
policy vs. renter insurance.
Lead management helps shorten the conversion cycle
Tighter alignment between marketing and sales ensures
greater success in galvanising more policies in a shorter amount of time. This
is an indication of lead management, which integrates a Customer Relationship
Management (CRM) platform with the marketing automation tool.
Marketing automation alone helps sell 10% more policies per
household, and lead management is number one at 13% more policies per
household. Insurers nurture their customers along the cross-buying journey with
marketing automation by addressing which additional policies are best suited
for their circumstances and why. For top and steady results, insurers then
employ lead management for warm leads that progress into sales. When you’re
able to recognise the warm leads (engaged customers that express interest)
through behavioural analytics, you can help navigate them promptly through the
buyer’s journey.
Use content marketing to trigger automated campaigns
Take advantage of your content marketing by setting up
triggers for automated cross-promotion campaigns. For example, if customers
clicked on a link about life insurance in last week’s enewsletter, a drip
campaign about the importance of life insurance and how to choose the right
policy starts appearing in their inbox. Alternatively, host a webinar about
whether an umbrella policy is right for someone and segment your existing
customers to receive a separate campaign once they register, which is tailored
around bundles and can apply pre-collected data for further personalisation.
When your customers are gathering information on your website beyond the
policies they already have, they are probably curious about what else is out
there. Marketers will then be able to deliver relevant emails based on the
information from their browsing history.
These automated campaigns can even be as simple as one that
begins 90 days before customers’ policy renewal dates: the optimal time for
them to review their current policy and see if any changes need to be made.
However, this can also be seen as your opportunity to learn more about their
evolving circumstances. This helps your database stay updated and helps you, as
their insurer, understand which policies are most relevant for their needs.
Marketing automation, combined with CRM integration to equal
lead management, gives insurance groups of all types and sizes the behavioural
analytics and stored data they need to effectively cross-sell policies. The
introductory promotion of an additional policy can help or hinder the existing
customer relationship - it can be viewed as a self-serving sale sent to
everyone on an email list, or it can reflect that you are meeting your
customers where they’re at in their lives, looking out for their best interests,
and anticipating their future insurance needs.
Here's a breakdown of some of the best foreign exchange brokers available for online fx trading.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Saxo Bank logo
Saxo Bank - Best Overall
Saxo Bank finished 1st in our 2018 Annual Review of 43 brokers. Its competitive pricing, access to a wide range of markets, multiple regulatory licenses, and innovative trading platforms provide forex traders around the glove an all-around excellent offering. (69% of retail CFD accounts lose money.) Read more...
IG logo
IG - Best for CFDs, Most Trusted
Rated as our Most Trusted Broker of 2018, IG Received 5 Stars and second overall in our 2018 Review. IG also finished #1 for Offering of Investments (5 Stars) and Education (4.5 Stars). In total, IG placed Best in Class for seven of the eight review categories. (79% of retail CFD accounts lose money.) Read more...
eToro.com logo
eToro - Best for Social, Copy Trading
Traders looking to harness the power of crowdsourcing to find trading ideas have ample tools on eToro’s social trading network to copy the trades of other users in real time across over 1000 instruments, including CFDs on popular cryptocurrencies.
Swissquote logo
Swissquote - Best for Crypto, Banking
Swissquote is a trusted, global multi-asset broker and bank offering traders access to over two million products, from forex to CFDs, exchange-traded securities, wealth advisory services, underlying cryptocurrencies, and more. (74% - 89% of retail CFD accounts lose money.) Read more...
CMC Markets logo
CMC Markets - Best Currency Offering
Through its offices regulated in major financial centers, CMC Markets offers traders a wide range of offerings across global markets with its Next Generation trading platform, which is packed with innovative trading tools and charting. (74% - 89% of retail CFD accounts lose money.) Read more...
FxPro logo
FxPro - Best for MetaTrader
Ranked #1 for MetaTrader brokers, FxPro caters to the needs of a diverse range of traders due to its various orders and account types, as well as its execution and pricing models, which offer instant execution, and floating or fixed spreads. (79% of retail CFD accounts lose money.) Read more...
Forex.com logo
Forex.com - 4.5 Stars
FOREX.com earned 4.5 stars Overall and finished Best in Class in seven main categories. The firm’s parent company, GAIN Capital, remains one of the largest forex brokers in the United States and caters to global forex traders of all experience levels. (80% of retail CFD accounts lose money.) Read more...
Dukascopy logo
Dukascopy - Best for Trading Tools, Mobile Trading
Dukascopy Bank boasts the most robust offering of desktop and mobile platforms, helping it finish #1 for Platform & Tools and #1 for Mobile Trading in 2018. The innovative JForex platform suite and competitive commission structure give traders access to extensive resources for a growing range of forex pairs and CFDs. (74% - 89% of retail CFD accounts lose money.) Read more...
Interactive Brokers logo
Interactive Brokers - Best for Professionals
Ranked #1 for Professional traders, Interactive Brokers is known for its diverse offering of investments. Founded nearly 40 years ago, clients can trade on more than 120 market centers in 26 different countries, and deal in forex, CFDs, stocks, options, ETFs, futures, bonds, and more. (63.5% of retail CFD accounts lose money.) Read more...
TD Ameritrade logo
TD Ameritrade - Best for US Residents
Available only to US residents for forex trading, TD Ameritrade ranked #1 for Customer Service and Platform Technology in our 2018 Review. The broker’s thinkorswim platform provides one of the most powerful charting applications, offering nearly 400 technical indicators.
Choosing the Best Forex Brokerage
Here are some of the most important factors to keep in mind when choosing the best online forex brokerage for currency trading.
Regulation: Not all regulatory jurisdictions and licenses are created equal for international forex and CFD Brokers. Investors should know which country their broker is based in and which country’s laws apply to their account. To avoid fraud, it is critical to use a broker that is well-known and well-regulated. To quickly identify brokers you can trust, reference the Trust Score we provide on each broker’s review page.
Company Policies and History: As part of every investors due diligence process, steps to help ensure account security should include verifying a firm’s regulatory licenses and its legal obligations in safeguarding client monies. It's also important to review the customer agreements, read up on the company's history, and make sure their primary offices are located in a well-respected country, if not your own.
Range of Markets Offered: It’s always important to determine which markets or individual trading products (currency pair or stock symbol) you want to trade, then check to make sure they are offered. Also check to make sure the products you want to trade are available in your region. See section, “Best offering of Currency Pairs, CFDs” below.
FX Trading Tools & Platforms: Which platforms and trading tools are available for the products you are considering? Are compatible with your web browser, computer operating system, or mobile smartphone, or any other devices you are planning to use for trading? See section, “Best Forex Trading Platform” below.
FX Analysis and Global Market Research: Available research tools for scanning, analyzing, and overall conducting technical and fundamental analysis will vary from broker to broker. See section, “FX Research” below.
Forex spreads, commissions, and overall trading costs: For forex trading, spreads and any round-turn commissions will make up the all-in cost to complete (open/close) each trade. The same generally applies to CFDs, in terms of bid/ask spreads plus any per trade commission. See section, “Lowest Trading Costs” below.
Order Execution: Available execution methods can depend on whether the broker is a principal dealer acting as a market-maker, and/or if they are an agency-only broker relying on third-party dealers (liquidity providers). Other execution methods, policies, conditions, or available order types can vary (including premium or free trade protection tools such as guaranteed stop-loss orders, fill-or-kill or fill with within a maximum deviation range) can vary from broker to broker.
Order Type and Execution: Some execution methods or order-types may incur negative or positive slippage. This means orders will fill but the fill price could be better or worse than requested. Since each broker is different, some firms may re-quote an order with a new price for you to accept (or reject) in the case the price has changed.
Customer Service: Customer service is important. The scope and quality of support can be a major differentiator across online FX brokerages, ranging from the speed and overall quality of assistance to the availability across global trading hours and international markets. See section, “Customer Service” below.
Education: Currency trading can be complex. Even seasoned investors are constantly learning to expand their breadth of currency markets. The disparity between currency brokers that provide thorough, high quality education, and those who do not is vast. See section, “Education” below.
Lowest Trading Costs
CMC Markets - 5 Stars
Saxo Bank - 4.5 Stars
IG - 4.5 Stars
Dukascopy - 4.5 Stars
GAIN Capital (FOREX.com) - 4.5 Stars
TD Ameritrade - 4 Stars
City Index - 4 Stars
Forex trading costs are not easy to break down. Reasons why trading costs can be impacted: bid/ask spreads can vary across venues (because forex is decentralized), forex spreads may be either fixed or variable (floating), and variable spreads may widen or narrow (vary) at different rates across brokers.
Best FX Brokers for Forex Trading
Here's a breakdown of some of the best foreign exchange brokers available for online fx trading.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Saxo Bank logo
Saxo Bank - Best Overall
Saxo Bank finished 1st in our 2018 Annual Review of 43 brokers. Its competitive pricing, access to a wide range of markets, multiple regulatory licenses, and innovative trading platforms provide forex traders around the glove an all-around excellent offering. (69% of retail CFD accounts lose money.) Read more...
IG logo
IG - Best for CFDs, Most Trusted
Rated as our Most Trusted Broker of 2018, IG Received 5 Stars and second overall in our 2018 Review. IG also finished #1 for Offering of Investments (5 Stars) and Education (4.5 Stars). In total, IG placed Best in Class for seven of the eight review categories. (79% of retail CFD accounts lose money.) Read more...
eToro.com logo
eToro - Best for Social, Copy Trading
Traders looking to harness the power of crowdsourcing to find trading ideas have ample tools on eToro’s social trading network to copy the trades of other users in real time across over 1000 instruments, including CFDs on popular cryptocurrencies.
Swissquote logo
Swissquote - Best for Crypto, Banking
Swissquote is a trusted, global multi-asset broker and bank offering traders access to over two million products, from forex to CFDs, exchange-traded securities, wealth advisory services, underlying cryptocurrencies, and more. (74% - 89% of retail CFD accounts lose money.) Read more...
CMC Markets logo
CMC Markets - Best Currency Offering
Through its offices regulated in major financial centers, CMC Markets offers traders a wide range of offerings across global markets with its Next Generation trading platform, which is packed with innovative trading tools and charting. (74% - 89% of retail CFD accounts lose money.) Read more...
FxPro logo
FxPro - Best for MetaTrader
Ranked #1 for MetaTrader brokers, FxPro caters to the needs of a diverse range of traders due to its various orders and account types, as well as its execution and pricing models, which offer instant execution, and floating or fixed spreads. (79% of retail CFD accounts lose money.) Read more...
Forex.com logo
Forex.com - 4.5 Stars
FOREX.com earned 4.5 stars Overall and finished Best in Class in seven main categories. The firm’s parent company, GAIN Capital, remains one of the largest forex brokers in the United States and caters to global forex traders of all experience levels. (80% of retail CFD accounts lose money.) Read more...
Dukascopy logo
Dukascopy - Best for Trading Tools, Mobile Trading
Dukascopy Bank boasts the most robust offering of desktop and mobile platforms, helping it finish #1 for Platform & Tools and #1 for Mobile Trading in 2018. The innovative JForex platform suite and competitive commission structure give traders access to extensive resources for a growing range of forex pairs and CFDs. (74% - 89% of retail CFD accounts lose money.) Read more...
Interactive Brokers logo
Interactive Brokers - Best for Professionals
Ranked #1 for Professional traders, Interactive Brokers is known for its diverse offering of investments. Founded nearly 40 years ago, clients can trade on more than 120 market centers in 26 different countries, and deal in forex, CFDs, stocks, options, ETFs, futures, bonds, and more. (63.5% of retail CFD accounts lose money.) Read more...
TD Ameritrade logo
TD Ameritrade - Best for US Residents
Available only to US residents for forex trading, TD Ameritrade ranked #1 for Customer Service and Platform Technology in our 2018 Review. The broker’s thinkorswim platform provides one of the most powerful charting applications, offering nearly 400 technical indicators.
Choosing the Best Forex Brokerage
Here are some of the most important factors to keep in mind when choosing the best online forex brokerage for currency trading.
Regulation: Not all regulatory jurisdictions and licenses are created equal for international forex and CFD Brokers. Investors should know which country their broker is based in and which country’s laws apply to their account. To avoid fraud, it is critical to use a broker that is well-known and well-regulated. To quickly identify brokers you can trust, reference the Trust Score we provide on each broker’s review page.
Company Policies and History: As part of every investors due diligence process, steps to help ensure account security should include verifying a firm’s regulatory licenses and its legal obligations in safeguarding client monies. It's also important to review the customer agreements, read up on the company's history, and make sure their primary offices are located in a well-respected country, if not your own.
Range of Markets Offered: It’s always important to determine which markets or individual trading products (currency pair or stock symbol) you want to trade, then check to make sure they are offered. Also check to make sure the products you want to trade are available in your region. See section, “Best offering of Currency Pairs, CFDs” below.
FX Trading Tools & Platforms: Which platforms and trading tools are available for the products you are considering? Are compatible with your web browser, computer operating system, or mobile smartphone, or any other devices you are planning to use for trading? See section, “Best Forex Trading Platform” below.
FX Analysis and Global Market Research: Available research tools for scanning, analyzing, and overall conducting technical and fundamental analysis will vary from broker to broker. See section, “FX Research” below.
Forex spreads, commissions, and overall trading costs: For forex trading, spreads and any round-turn commissions will make up the all-in cost to complete (open/close) each trade. The same generally applies to CFDs, in terms of bid/ask spreads plus any per trade commission. See section, “Lowest Trading Costs” below.
Order Execution: Available execution methods can depend on whether the broker is a principal dealer acting as a market-maker, and/or if they are an agency-only broker relying on third-party dealers (liquidity providers). Other execution methods, policies, conditions, or available order types can vary (including premium or free trade protection tools such as guaranteed stop-loss orders, fill-or-kill or fill with within a maximum deviation range) can vary from broker to broker.
Order Type and Execution: Some execution methods or order-types may incur negative or positive slippage. This means orders will fill but the fill price could be better or worse than requested. Since each broker is different, some firms may re-quote an order with a new price for you to accept (or reject) in the case the price has changed.
Customer Service: Customer service is important. The scope and quality of support can be a major differentiator across online FX brokerages, ranging from the speed and overall quality of assistance to the availability across global trading hours and international markets. See section, “Customer Service” below.
Education: Currency trading can be complex. Even seasoned investors are constantly learning to expand their breadth of currency markets. The disparity between currency brokers that provide thorough, high quality education, and those who do not is vast. See section, “Education” below.
Lowest Trading Costs
CMC Markets - 5 Stars
Saxo Bank - 4.5 Stars
IG - 4.5 Stars
Dukascopy - 4.5 Stars
GAIN Capital (FOREX.com) - 4.5 Stars
TD Ameritrade - 4 Stars
City Index - 4 Stars
Forex trading costs are not easy to break down. Reasons why trading costs can be impacted: bid/ask spreads can vary across venues (because forex is decentralized), forex spreads may be either fixed or variable (floating), and variable spreads may widen or narrow (vary) at different rates across brokers.
