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  • 10 Chilling Solutions to the Fermi Paradox

    10 Chilling Solutions to the Fermi Paradox

    The Fermi Paradox refers to an understanding of the observable universe that appears inherently paradoxical. Put forth by Enrico Fermi, a physicist, the paradox holds that the evidence of extraterrestrial life is incongruous with the likelihood of its existence. In simpler terms, the universe is very big and very old, and there are tons of planets that could support life as we know it. However, there is absolutely no observable evidence of any intelligent life in the universe outside of our own. This paradox, then, begs the question: where is everyone? If we’re alone in the universe, why? And if we’re not, why can’t we find anyone? Today, we’re looking at ten chilling possible answers to these questions.

    Virtual Reality is Better Than Real Reality

    Humans are just now beginning to develop virtual reality that proves entertaining over a long period. However, imagine a sufficiently advanced alien race that has created virtual reality that is indistinguishable from actual reality. Such a species might find it is much more interested in exploring virtual realms than the real world. Much like the plot of the movie The Matrix, a sufficiently detailed virtual world would be indistinguishable from the real one. As such, it might be the case that advanced life forms are out there, they’re just floating in sensory deprivation tanks and living in a virtual utopia.

    The Universe Is a Simulation

    Along a similar line of thinking is the theory that our universe itself is a simulation. While scientists and philosophers debate the point, it makes sense: a brain floating in a jar couldn’t tell this world from a dream. Indeed, our world may very well be entirely simulated, and we could be programs in that system. Thus, the lack of life in the universe would be by design: the simulation is only interested in humans. Why this would be the case, however, is unclear. Our universe is unfathomably massive, and we will never explore even one percent of it.

    Intelligent Life is Very Rare

    The Fermi Paradox is constructed under the assumption that intelligent life would arise if conditions like those on Earth were present on another planet for long enough. Maybe, however, that assumption is wrong. Maybe so many more things must fall in place before intelligent life can evolve and prosper that it’s a mathematical impossibility. Humans may be truly, utterly unique in the universe. The entire vast, cold reaches of space are quiet and uninhabited, making us the sole species that comprehends the cosmos.

    No One Else Has Made It This Far

    Maybe we aren’t alone at all, but we’re by far the most advanced species to arise in the galaxy. Perhaps we are unique in our ability to leave our own atmosphere, and other intelligent species haven’t pieced that together. Or, perhaps, they simply don’t care to. This solution holds that humans are the only intelligent life that wants to rocket away from the safety of home and explore the dark, quiet cosmos. Why would any other species want to do the same, when they would have no evidence of our existence, either?

    The “Sustainability” Solution

    Perhaps expanding throughout the stars isn’t all that easy to do. We’ve assumed, up to this point, that colonizing planets would be like colonizing countries on Earth. However, what if it’s too difficult to amass the resources to travel between stars? Perhaps other species have tried to expand, only to collapse under the pressure. Keeping food stores and fuel reserves high could very well be the bottleneck to space exploration.

    Aliens are Commonplace but Unseen

    Maybe aliens are everywhere. Not on Earth, of course, we’re not suggesting your neighbor is from Mars. No, maybe aliens are common in the galaxy, but we just don’t know what to look for. We tend to use radio signals to communicate, and we’ve assumed aliens would, too. However, it’s possible that aliens are just too far away for us to intercept their signals. Out of a range of a few hundred light years, radio signals become gibberish. Or, even more likely, advanced alien life doesn’t use radio waves at all. It’s possible that we simply haven’t thought of the kinds of communication they use. As such, messages could bounce past Earth every day and we would have no clue.

    The “Zoo” Hypothesis

    On the same track as the previous solution, the Zoo Solution holds that aliens see us. We just don’t see them. This solution posits that maybe aliens are observing us, unwilling to make contact. They’ve perceived our species as primitive, and as such want to simply watch us develop. Or, perhaps something more sinister is going on. Perhaps an advanced race is acting as zookeeper for all intelligent life, monitoring advancements. This zookeeper could be stymying attempts to explore the galaxy in order to protect its own interests. This could explain why we see no evidence of intelligent life in the galaxy.

    The Vast Time Frame of the Cosmos

    The galaxy is old, and the universe is even older. Both will be around for countless epochs to come: we simply can’t fathom the cosmic scope of time. It’s possible that we’re not separated from alien civilizations by distance, but instead by time. Perhaps great empires have risen in the galaxy, only to collapse in eons past. We haven’t seen any evidence of their great empires because they’re already crumbled to dust. Perhaps, a million years from now a fledging Solar empire will find odd artifacts of our civilization and wonder who we were.

    Aliens are Too Violent to Progress

    There are a host of theories referred to as “great filters,” loosely defined as things that stop life from achieving interstellar travel. One such filter would be war. Humans are warlike in some ways, and rational in others. Our odd evolutionary niche as something between predator and prey gives us an odd relationship with violence. However, complex life is generally carnivorous, or at least omnivorous. As such, we could presume that intelligent life would generally be at least somewhat aggressive. What if that same spirit that drives living things to advance is the one that drives them to destroy each other? It’s quite possible that intelligent life has simply bombed itself out of existence before taking to the stars. It’s not unreasonable: humanity still has a chance to do so with nuclear war. Only time will tell if we manage to colonize other planets and visit distant stars before we destroy ourselves.

    The Fermi Paradox isn’t Really a Paradox

    The most unsettling answer to the Fermi Paradox is that it isn’t a paradox at all. What if we’ve simply been looking for the wrong things? Alien life may just be too truly alien to detect. Perhaps alien species don’t communicate in ways we would even perceive as communication. Perhaps life can develop in ways we don’t understand, and that life values things we don’t understand. It could be that attempts at contact have been made but have gone unnoticed. Maybe if we just knew what to look for, we might find out that alien life is closer than we could have expected.

  • Microsoft Surface Go Early Impressions

    Microsoft Surface Go Early Impressions

    The Microsoft Surface Pro is easily one of the finest two-in-one tablets in the world. As such, it’s surprising that Microsoft has struggled to create a smaller version of the tablet that impresses. The Surface Pro is pretty big, all said, coming in at nearly 13 inches. The new Microsoft Surface Go, due out on August 2nd, seeks to take what makes the Pro great and just put it in a smaller package. Does it succeed where others have failed, or is it the device Microsoft’s been trying to make?

    Pricing and Unboxing

    First things first, let’s talk price. The Surface Go starts at $400 for a configuration with 4GB of RAM and 64GB of storage. That’s a big more expensive than the iPad, which comes in at $329, and both tablets come without a keyboard or a stylus. The lack of the Surface Pen and Type Cover in the box isn’t surprising, but it’s still disappointing.

    That said, the Surface Go has a pretty big leg up over the iPad: USB-C. Apple has stubbornly stuck to the Lightning Cable, eschewing the industry standard. As such, they’ve left their tablets and phones in the past as every other device makes the switch. Not to mention, the Surface Connect port gives you a way to connect to external displays while charging your device. This is something Apple doesn’t seem to be bothered by: if you want to charge and send a signal, you need a dongle to split the single Lightning port.

    Design

    The Surface Go is really just a smaller Surface Pro. That’s not supposed to be funny: it’s almost uncanny. Microsoft has managed to scale down the exact tablet they’ve had for years into a more compact size. Of course, there’s a slight dip in performance that you would expect from a smaller device. However, the features and apps are all still intact, just running on a smaller screen.

    This newer, smaller tablet is also a bit softer, design-wise. The corners are rounded, and the feel is generally more appealing. It seems that the smaller Surface has been designed with students in mind primarily. The tablet fits into a bag easily and feels great in one hand. The optional Type Cover and Surface pen make it even better, as it can be converted into a laptop-like configuration. Taking notes with either the keyboard or the pen is easy and intuitive.

    Microsoft Surface Go Early Impressions

    While it’s early yet, it seems like the Microsoft Surface Go is an ample competitor with the iPad. Not only that, it’s a worthy inheritor of the Surface name, and a great buy for the money. If you’re looking for an affordable tablet that can convert into a laptop, this is a great option. However, it is somewhat lacking in regards to power, but it makes up for it in usefulness.

  • Best High Yield Online Savings Account

    Best High Yield Online Savings Account

    After years of low interest rates, there is a pricing war happening for online savings accounts. Long gone are the days of 0.01% APY. If you are willing to open an online savings account (which is FDIC insured), you can now easily get a 1.85% APY or higher.

    Interest rates are only increasing online: traditional brick and mortar banks continue to pay very low rates. A typical savings account at a big bank only pays 0.01% APY. The best online banks offer perks like no minimum balance, ATM access and much higher interest rates than the average savings account. Here are the best online savings accounts (and this post is updated regularly).

    1. High Rate: Goldman Sachs Bank USA – 1.85% APY, no minimum balance (but no ATM access)
    Our advertiser Marcus by Goldman Sachs, the consumer bank of Wall Street giant Goldman Sachs, offers a 1.85% APY on deposits. There is no minimum balance and there are no transaction fees. Upon opening the account, you can deposit funds via electronic transfer, wire transfer, or deposit by check. You can get access to your funds via electronic transfer or wire transfer. Goldman has been investing heavily in Marcus, its online consumer bank. Marcus is already offering some of the best savings accounts and personal loans in the market, and further expansion is expected. The savings account has consistently been paying one of the highest rates in the market. With a 1.85% APY, you can get one of the highest rates in the market from a well-known brand. The maximum deposit is $1,000,000 and deposits are FDIC insured up to the $250,000 limit.

    2. High Rate: Synchrony Bank – 1.85% APY, no minimum balance (and ATM access)
    Synchrony Bank pays a healthy 1.85% APY. There is no minimum balance requirement and no monthly fee. In addition to the great rate, you can get an ATM card. Most internet-only banks require you to transfer funds electronically, which can take a few days. If you ever need quick access to your funds, the ATM card makes access easy. You might not recognize the Synchrony brand, but it is a large, well-capitalized business. Synchrony used to be a part of General Electric (GE), and was spun out as a separate company. Unfortunately, the digital experience is not the best and there is no app.

    3. High Rate: Barclays Bank – 1.85% APY, no minimum balance
    Online Savings Account from BarclaysBarclays is a large, old British bank, based in London and with more than 325 years of history. Although Barclays is huge in the United Kingdom, it is a challenger brand in the US. Barclays offers savings products with highly competitive rates. These deposits are used to fund their rapidly growing American credit card business. The online savings account has a 1.85% APY with no minimum balance to open and no monthly fees. Your deposits are FDIC insured up to the legal limit. The Barclays website has a good look and feel. And you can have the confidence of keeping your money with one of the world’s largest and oldest universal banks.

    4. Top Choice: Ally Bank – 1.85% APY, no minimum balance and you can get a free checking account
    Online Savings Account from Ally BankAlly is a bank without branches that has consistently been paying high interest rates on savings accounts. Ally has no minimum balance requirement and will pay 1.85% APY. Even better, you can open a free checking account (also with no minimum balance requirement). This makes access to your savings account incredibly easy – because you can transfer funds online (or via the app) and have immediate access via checks, debit cards and ATMs. With an Ally account, you will have access to their full suite of expanding (and market-leading) products.

    5. High Rate: American Express National Bank – 1.80% APY, no minimum balance (and no fees)
    High Yield Savings Account from American Express National BankOur sponsored advertiser, American Express National Bank, offers a Personal Savings account, which earns a 1.80% variable APY. The account charges no monthly fees and requires no minimum deposit, making it an affordable account to open. You must fund your account within 60 days of applying for the account, and the FDIC insures your deposits up to $250,000. Overall, the account is a great option for anyone who wants the flexibility of earning a high interest rate on a sum of money you’ve stashed away, minus the withdrawal restrictions of a certificate deposit.

    6. Highest Overall Rate: Northfield Bank – 2.25% APY, $0.01 minimum to open
    Northfield Bank is headquartered in Woodbridge, NJ and is mainly a brick-and-mortar bank with locations in Staten Island and Brooklyn, NY and New Jersey. However, they are currently offering an online savings account, which they have named the Platinum Savings Account, with an incredible 2.25% APY. The APY applies to balances below $100,000. If your balance exceeds $100,000 the APY will drop to 0.90%. While you’ll only need a penny to open the account, you’ll need to maintain an average daily balance of $2,500 per statement cycle. If the average daily balance falls below $2,500, you’ll be charged with an $8 fee. If you currently have an account with Northfield Bank, you won’t be able to open this account as they require new money only. This bank does have a mobile app, so you can conveniently manage this account on the go.

    Note: Northfield Bank is primarily a brick-and-mortar institution that is trying to offer online options to consumers nationwide. A little patience may be required when filling out the online application and funding the account. If you’re not comfortable with depositing funds with an institution that is learning its way through online banking, we recommend choosing a more established online bank found within this list. We would be remiss, however, if we didn’t include this incredibly high-rate online savings account to this list.

    7. High Rate: Vio Bank – 2.10% APY, $100 to open
    Vio Bank is the online division of MidFirst Bank, a national private financial institution. MidFirst Bank has over $15 billion in assets. Vio Bank was recently created and launched strong with a High Yield Online Savings account offering 2.10% APY on all balances. You only need $100 to open the account. You can fund the account via ACH. There are a few limitations to keep in mind: incoming ACHs take anywhere between two to five business days to post and the online bank may place a hold your ACH for two or three business days. When you’re ready to transfer funds out of the account, you’ll be limited to $2,000 per outgoing ACH. You’ll also be limited to transferring an aggregate monthly total of $6,000 via outgoing ACHs. As is with every other savings account, you’ll also be limited to making six withdrawals per monthly statement cycle. The good news (aside from the high APY) is that Vio Bank doesn’t charge a monthly maintenance fee. You’ll have to do all of your banking online for the time being as this online bank doesn’t currently have a mobile banking app, but according to the website, it’s coming soon. Fortunately, Vio Bank’s website is mobile friendly so it should be fairly easy to do your online bank from a smart phone.

    8. High Rate: Salem Five Direct – 2.05% APY, $100 to open
    Salem Five Direct is the online bank division of Salem Five Cents Savings Bank, a community bank based in Salem, Massachusetts. Salem has been around for more than 150 years and all deposits are insured by the FDIC up to the legal limit. You only need $100 to open this account, and there are no monthly maintenance fees. However, they do have a few limitations to be aware of. First, according to their online banking agreement, Salem Five Direct limits the dollar amount of their External Transfers to $5,000 per transaction, $5,000 in aggregate per day, and $20,000 in aggregate per month. So, if you decide to have more than one account with them, like their money market account, they’ll look at the aggregate amount of External Transfers conducted from both the savings account and money market account. Second, account holders are limited to six withdrawals per statement cycle due to Federal Regulations. If you exceed the six withdrawal limit, they’ll charge you $10 per additional transaction. Finally, the web and mobile experiences are not great. But, if you give them a call (which we have done), you will get friendly service from a community bank. While this bank does offer one of the best rates for an online savings account, we want you to be aware of their limitations.

    9. High Rate: Citizens Access – 2.00% APY, $5,000 minimum balance amount
    Citizens Access is the online division of Citizens Bank. This division was recently created to provide the best savings rates to consumers. While the online division is brand new, the bank its backed by isn’t. Citizens Bank has been around for a while and has grown to have over $122 billion in assets. While you need to deposit and maintain a minimum balance of $5,000 to earn the 2.00% APY, you’ll be funding an account that comes with no fees. If your balance happens to fall below $5,000, the APY will drop to 0.25%. One downside to this online-only bank is that they don’t currently have a mobile banking app. This means that you’ll have to do all of your banking through their website. Luckily, their website is mobile-friendly.

    10. High Rate: Utah First Federal Credit Union – 2.25% APY, $50 minimum balance amount
    Utah First Federal Credit Union was established in 1935 during the Great Depression by German immigrants in Salt Lake City, Utah. They were trying to bring their families to America but were having trouble acquiring the funds they so desperately needed. So, with just $115, this resilient group built a credit union so that they could say ‘yes’ to those in need within their community. While this credit union had a humble beginning, they currently hold over $377 million in assets, have multiple locations in the state of Utah, and serve many more through a co-op network. Anyone can become a member by donating $5 annually to the Community of Volunteers of Utah. Once you become a member, you can open a Dedicated Savings Account with a $50 deposit to start earning the 2.25% APY.

    11. High Rate From A Credit Union: Alliant – 1.80% APY, $5 to open and ATM access.
    People love credit unions. Because credit unions are owned by their members, you can get a higher interest rate on your savings (and lower interest rates when you borrow). Alliant is one of the best credit unions in the country, offering some of the best rates on your savings. In addition, Alliant has a great website and digital experience. Anyone can join the credit union and you only need $5 to open the account. Be aware, however, that when you go to apply for this account, Alliant will pull a soft credit inquiry for all applicants. Alliant also mentions that if you have a credit freeze, you won’t be able to apply unless you temporarily release the freeze.

    Runner-Up: For Small Balance Savers – Digital Federal Credit Union – 5.12% APY up to $1k
    Primary Savings from Digital Federal Credit Union (DCU)Digital Federal Credit Union (DCU) currently offers a nice account for people who are just starting to save. You can earn an APY of 5.12% with their Primary Savings Account. You will only earn that rate on deposits up to $1,000. Once you have more than $1k, you should consider other accounts on this list. It is a credit union – and your deposits are insured by the NCUA up to the legal limit. Anyone can join the credit union by donating to one of their participating organizations such as Reach Out for Schools, which has a membership fee of $10. You’ll be able to join one their participating organizations when you go to open your account with DCU. DCU is also part of a nationwide CO-OP network that allows their members to have access to shared branches and surcharge-free ATMs throughout the U.S.

    How to Find the Right Account For You
    Take a moment to calculate how much you could earn using our free saving account comparison tool. Enter your zip code and how much you have to save and you’ll see the best savings accounts for you and save more this year. If you have a large balance, the tool might find better options than the no minimum balance options we’ve listed here.

    If you are willing to lock your money into a longer term, consider a certificate of deposit. You can find the best CD rates here.

    Your money deserves more than 0.01%. At that rate you’re basically giving a free loan to the bank, not a favor they’d return to you!


  • Best Credit Cards in 2018

    Best Credit Cards in 2018

    From huge sign-up bonuses to generous rewards, there is a lot of factors to consider when you are choosing a credit card. The best credit cards will pay you cash back, offer luxury perks, provide travel rewards, and help you quickly pay off existing balances.

    Our experts analyzed  credit cards to find the best credit card offers  Today, we’re going to take a look at some of the best credit cards for various rewards and purposes. Without further ado, let’s look at the best credit cards in 2018! Explore our top picks and start getting rewarded.

    Best Credit Cards in 2018

    Citi Double Cash Card

    The best credit card for flat-rate cashback, the Citi Double Cash card is a good deal if you keep your monthly balances at zero. You earn one percent cash back on every dollar you spend, which is pretty standard. The cool thing? The 18-month, zero-percent interest period on balance transfers made in the first four months.

    Hilton Honors American Express Ascend Card

    As for the best hotel rewards card, this Hilton Honors card is the way to go. You get all the expected benefits for Hilton hotels, but you also get rewards points for normal purchases! That’s literally win-win. Oh, you get access to certain airport lounges, too! Who could pass that up?

    British Airways Visa Signature Card

    This card is easily the best for airline rewards. While Americans might question what they’d do with a British Airways card, don’t get hung up on the name. You can book American Airlines flights through Avios, so there’s no need to worry! Besides, the rewards you get with this card are stellar, no matter who you fly with.

    Blue Cash Preferred Card from American Express

    The best tiered-reward cashback card, the Blue Cash Preferred offers a number of really great benefits for cardholders. The first, and most obvious, is the tiered cashback. It offers 6 percent cashback on purchases made in grocery stores, which makes it a very easy to use reward card. You buy groceries, right? Then this is the card for you!

    Chase Sapphire Preferred Card

    The Chase Sapphire Preferred Card is by far the best travel rewards card. If you spend a good deal of time traveling, this is the card for you. You can spend the reward points you earn through the card on hotel and airline rewards, or in the Chase portal. As for how you get points, you get two points per dollar you spend traveling or dining while traveling. Well, that’s hard to beat!


  • TOP 3 RUNNING SHOE RETAILERS

    TOP 3 RUNNING SHOE RETAILERS

    Running relieves stress, strengthens your immune system and keeps you in shape! In the U.S. alone, more than 64 million people went jogging or running in 2016. Even with all the great benefits and growing popularity running can also cause a lot of extra stress on your feet, legs, and back. This is especially true if you are not wearing quality running shoes. 

    Trying to find good running shoes isn’t always easy, but these three running shoe retailers will help you find the best possible shoes to keep you running for as long as possible.

    TOP 3 RUNNING SHOE RETAILERS

    These top 3 retailers provide not only get great running shoes but also help you save by having better prices than most other retailers. The top three running shoe retailers are Finish Line, Running Warehouse, and Road Runner Sports. All three of these retailers offer the latest running shoes from well known brands like Nike and Adidas. They also offer lesser known brands if you are interested in trying new brands or prefer a particular fit or style. For those experienced runners  who know a certain brand and shoe is perfect, you can find those shoes at a much lower price at these top retailers.

    Do these retailers only sell shoes?

    No, you can find many running and athletic accessories as well as athletic clothing in all three places. Their deals include items like socks, insoles, headbands, hats, shorts, and other apparel that makes running more comfortable and keeps you stylish.

    What kind of shipping cost can be expected?

    Running Warehouse offers free two-day shipping and free returns. You can opt to have a package of one to four pounds shipped overnight for $9.99. Road Runner Sports also offers free shipping. Finish Line’s shipping is a bit more complicated. If your package contains only new, non-sale items and the subtotal comes to over thirty dollars, they offer free shipping. If the order includes any discounted items, either sale or discontinued, there is a flat rate shipping charge of seven dollars. Some of their premium shoes are not included in either deal.

    What about returns?

    Finish Line offers returns up to 45 days. You only need to go online and pick the item you wish to return from your purchase history. You then receive a return label to print out and return your item free. Running Warehouse offers a full 90-day money back guarantee and will give you a return label to use for free shipping. Road Runner will refund any returns on new items within sixty days. For exchanges, VIP members can exchange new or used footwear within ninety days. For those who are not members, the exchange on new or used footwear is within forty days.

    What is the Road Runner VIP program?

    Road Runner offers a program that normally costs $28.99 a year, although they often run specials that allow new members to get their first year as low as $1.99. VIP members get access to deals not available to the general public. They also get a guarantee that they will get the best price anywhere in the country on a certain pair of shoes, a ten percent discount on all items at all times, a full ninety days to try shoes, socks, and insoles and a guaranteed return if they aren’t what you want.

    How to find the right shoe for you

    WHAT IS PRONATION, AND WHY DOES IT MATTER?

    Picking the right shoe for your running style is as important as the retailer. That is why you should understand pronation and how it impacts your shoe selection.  Pronation is part of the natural movement of the human body and refers to the way your foot rolls inward for impact distribution upon landing. Understanding your pronation type can help you find a comfortable running shoe.

    Underpronators (supinators) need a lot of cushioning to avoid impact injuries
    Neutral pronators can wear a wide variety of shoes
    Overpronators should look for support or structured cushioning shoes
    Push Off: pressure on smaller toes on outside of foot
    Injuries: plantar fasciitis, shin splints, ankle strain
    Foot type: high arches

     

    CHECK WEAR PATTERNS ON YOUR SHOE

    For Underpronators/Supinators:

    The outside of your running shoes show the most wear. If you put your running shoes on a flat surface, you may notice a slight outward tilt.

    For Neutral Runners:

    The soles of your running shoes show wear in an S-shaped pattern, from the outer (lateral) heel to the big toe. If you put your shoes on a flat surface, you may not notice any tilt

    For Overpronators:

    Extra wear on the inside of the heel and under the ball of the foot, especially the big toe. If you put your shoes on a flat surface, you may notice an inward tilt.


  • Do You Need a Vitamin D Supplement? Everything to Know

    Do You Need a Vitamin D Supplement? Everything to Know

    Would you believe that the majority of the population — up to 90 percent of adults in the U.S. — is believed to have a vitamin D deficiency?

    Many physicians are starting to take this vitamin deficiency very seriously; in fact, vitamin D is one of the most recommended supplements by physicians today in order to treat and/or prevent vitamin D deficiency symptoms. Most adults are believed to be at least somewhat deficient in vitamin D, however, people with dark skin, people who live in northern regions of the world where less year-round sun exposure is experienced and those who are overweight have an even greater chance of experiencing vitamin D deficiency symptoms.

    According to the National Health and Nutrition Examination Survey, the newest statistics demonstrate that more than 90 percent of people with darker skin pigments (including African-Americans, Hispanics and Asians) living in the United States now suffer from vitamin D insufficiency, while 75 perfect of the white population is deficient.

    As the population of overweight and obese adults and children has risen steadily over the past several decades, so has the incidence of vitamin D deficiency symptoms. Sadly, vitamin D deficiency is correlated with increased risks of developing common cancers, autoimmune diseases, hypertension and various infectious diseases, too.

    A 2017 study recently revealed that occupation can also play a big role in vitamin D levels. Researchers found that shift-workers, health care workers and indoor workers are at a high risk of developing vitamin D deficiency due to reduced outdoor time and sunlight exposure.

    Luckily, there are ways you can naturally increase your vitamin D levels and decrease your risk of developing health conditions like heart disease, cancer, diabetes and other vitamin D deficiency symptoms. Spending time in the sun, without sunscreen, is your surest way to get enough vitamin D, and eating vitamin D-rich foods also helps improve your blood levels. Read on to understand just how much time you need in the sun and what foods will help you to avoid a vitamin D deficiency symptoms.

    What Is Vitamin D?

    Vitamin D is a fat-soluble vitamin that’s stored in the liver and fatty tissues. This means that increased body fat has the ability to absorb vitamin D and keep it from being used within our body. Vitamin D is somewhat different than other vitamins because our bodies make most of our vitamin D on their own, rather than solely relying on food sources. Because vitamin D is a fat-soluble vitamin, which means if you supplement, you’ll need to take your pill with a healthy fat, such as avocado slices.
    The way our bodies make vitamin D is to convert sunshine into chemicals that are used by the body. In particular, when UV-B sunshine rays land on the skin, a substance in the skin called 7-dehydrocholesterol is literally converted into vitamin D3.

    7-dehydrocholesterol or the cholesterol in our skin — and very similar to cholesterol itself — converts “previtamin D” and makes it into usable vitamin D3, which is sometimes also called provitamin D.

    What Causes Vitamin D Deficiency Symptoms?

    It’s worth repeating that 50 percent to 90 percent of most people’s vitamin D comes from casual sunlight exposure. Your skin makes vitamin D when it comes in contact with the ultraviolet B (UVB) rays from the sun. Therefore one of the biggest reasons that a growing population is experiencing vitamin D deficiency symptoms is because of our modern, primarily indoors lifestyle. This contributes to the two most common causes of vitamin D deficiency symptoms:

    1. Lack of Sun

    While years ago people spent more time outdoors, walking to do errands and even working outside, today we see a different situation. Most children spend unprecedented hours inside — watching television, playing video games and surfing the internet. Similarly, most adults work indoors, exercise inside gyms and spend their free time inside their homes where they are sheltered from the sun.

    With all this time indoors, it’s no wonder we don’t get enough of the “sunshine vitamin” and vitamin D deficiency affects over a billion people worldwide. Traditionally, the human vitamin D system begins in the skin, not from the foods you eat. Although food sources of vitamin D can help raise your levels and prevent a deficiency, the sun is your most effective way to sustain proper vitamin D levels.

    2. Sunscreens

    Not only are we failing to get enough time outdoors in the sun, but when we do, many of us wear sunscreen nearly the entire time. As the risk for developing skin cancer has also risen in recent years, doctors strongly encourage the use of sunscreen for children and adults, even through the winter months and when sun exposure is generally limited.
    Alarmingly, some research shows that when you wear sunblock SPF 8, you reduce your body’s ability to make vitamin D by 90 percent. If you choose a sunblock with a higher SPF of 30 (which is the number normally recommended by doctors), you reduce your body’s ability by up to 99 percent. This results in further deficiencies because even though we spend time outdoors, the sunscreen doesn’t allow our bodies to convert vitamin D from the sun. Research also shows that certain health conditions, such as abdominal obesity, type 2 diabetes, insulin resistance and hypertension, also increases a person’s risk of vitamin D deficiency.

    Vitamin D Deficiency Symptoms

    There is a great body of evidence that shows that people with vitamin D deficiency are at an increased risk of developing health complications and conditions like cardiovascular disease, metabolic syndrome, various types of cancer, immune disorders and adverse pregnancy outcomes. According to several scientific studies and reviews, a vitamin D deficiency symptoms can be linked to the following health problems:
    osteoporosis
    heart disease
    high blood pressure
    cancer
    autoimmune diseases
    depression
    insomnia
    arthritis
    diabetes
    asthma
    multiple sclerosis
    chronic pain
    psoriasis
    fibromyalgia
    autism

    Researchers suggest that anyone with these health conditions or the following symptoms should be tested for vitamin D deficiency:
    weakness
    chronic fatigue
    depression
    trouble sleeping
    anxiety
    weak or broken bones
    weakened immune system
    inflammation and swelling

    The only way to know if you are deficient in vitamin D is to have your doctor perform a test, called a 25-hydroxy vitamin D test. This will tell you if, and how severely, you are deficient. When your doctor performs a blood test and gives you the results for your vitamin D levels, keep these numbers in mind:
    50+ equals a good level of vitamin D
    30–50 means you want to supplement with vitamin D, work on spending more time in the sun and add vitamin D foods into your diet
    less than 30 means you are very deficient and definitely want to take immediate action to bring those levels up

    Talk with your doctor about supplementing with higher doses of vitamin D if you are severely deficient or have a very low level according to the tests. When your doctor performs a vitamin D test, specify that you would like to have the 25-hydroxoyvitamin D test done, sometimes also called the 25(OH) D test.
    Some other types of vitamin D tests can show normal or even elevated levels of vitamin D, which are actually inaccurate and can hide a serious deficiency, so the 25(OH) D test seems to be the most accurate when determining your true vitamin D levels.

    How Much Vitamin D Should You Be Getting?

    Adults need 600 international units (IU) of vitamin D each day (800 IU if you’re over age 70), which can be sourced through diet, sunlight, or supplements. Because very few foods have enough vitamin D to reach those levels, and sunshine can be unreliable in certain climates, many Americans turn to vitamin D supplements to get their fill.

    Men and women relying on sourcing vitamin D through diet alone typically don’t exceed 288 IU a day on average.3 But when supplements are added, they get closer to the 600 IU goal. Consider this: Women between ages 51 and 70, who averaged 156 IU through the diet-only approach, reached 404 IU with the help of supplements.


  • Top Things to Know About Assisted Living

    Top Things to Know About Assisted Living

    It can be nerve-wracking when you’re trying to find assisted living for yourself or someone you love. There are a ton of things about assisted living facilities that you won’t be told up front. The contracts you sign are usually complex and full of fine print that you might overlook.

    In order to help you prepare yourself for this process, we’ve got a few tips for you to help navigate this process. This should prepare you for some of the things to come.

    Pricing Will Be Higher Than You Think

    This is the sad reality of assisted living facilities. They’re expensive, and the base fees for rent go up every year. This is due to inflation, of course, and the ongoing upkeep costs of the facility. There are also a number of fees you might not expect. For instance, if someone needs food delivered to their room, or outside transportation, that will have an associated fee. Don’t be afraid to try to negotiate for a better price and make yourself aware of any fees that are hiding. Just ask the facility if there are any fees you haven’t been told about yet before you sign anything.

    Medicare

    Not every community will accept Medicare, but those that do can’t turn someone away for using it. However, communities aren’t eager to take in Medicare residents, as they get less money from them than those who pay on their own. As such, a number of facilities have limited “Medicare Beds,” and will often use that number to limit Medicare residents. However, if a resident gives three months of advanced warning that they will be transitioning to Medicare, this usually circumvents the bed limit.

    There Are No Doctors at the Facility

    Most communities simply don’t have a doctor on-site. Some have nurses on staff, but that’s not a given, so it’s a question worth asking. Generally speaking, most nursing homes will have a doctor on-call. This doctor isn’t located in the facility, so be aware of that when making a decision.

    Residents Can Be Removed Anytime

    All a facility has to do to remove a resident is tell them that the facility can no longer meet their needs. Make sure you read the contract very closely to understand the types of things residents can be removed for. Behavioral issues and needs that are too specific for the facility are some of the more common reasons given. Review these carefully before you make a decision.

    You Could Be Stuck with the Assisted Living Bills

    If you’re signing the contract on the behalf of a parent, and you sign your own name, you could be stuck with the bills should they be unable to pay. In order to prevent this, sign the name of your parent on the contract. Then, make sure to add “by (your name) acting as power of attorney,” and then the date. This will keep you from getting pinned with bills just for trying to help your parent.


  • Laptop Look Out: Macbook Pro Updates

    Laptop Look Out: Macbook Pro Updates

    Today Apple has updated its 13-inch and 15-inch Touch Bar MacBook Pros today with Intel’s latest eighth-generation chips. In addition to the processor up grades they are also offering up to 32GB of RAM and 4TB of SSD storage. Boom, hair officially blown back. Wait, just how much are these gonna cost me? With the standard models of Apple’s laptops will cost about the same (starting at $1,799 for the 13-inch model or $2,399 for the 15-inch model). The updated MacBook Pro, brace your self, can set you back a massive soul crushing $6700 big ones.

    Is it Worth it?

    Considering the $7000 Mac Pro I purchased earlier this year with 2.7GHz 12-core processor, 64GB of RAM, and a 1TB SSD. The new MacBooks only have half that power for the same price. Is it still a lot to pay for a computer? Most Definitely. But it’s worth remembering that the extra price is for optional hardware, so it’s ultimately up to you to decide whether or not to pay the cost. For comparison sake, the top  $2599 Alienware’s 15 inch laptop with 8th gen I9 and 16gb of RAM is a viable option at a fraction of the cost.

    What Else is New for The 2018 Macbook Pro

    Thanks to a T2 chip, which showed up previously in the iMac Pro, you can now summon Siri by simply shouting at your machine. Previous MacBook Pros required you to click a button, but now Siri is hands-free. The display isn’t getting any kind of resolution bump (or a touchscreen), but it does now have Apple’s alternating display temperature function, called True Tone, which means additional sensors have been built into the laptop. It has the same Touch Bar and Touch ID capabilities as previous models.

    The Final Thought

    Apple will sell Macbook Pros. The focus on the high end Macbook Pro are the design professionals and rich kids with their parents credit cards. Its nice to have those options and specs but no real commercial need for a few more years. Other wise very solid Macbook Updates and will keep them in the front of the best laptop line for a while.

  • Moviepass Updates

    Moviepass Updates

    MoviePass has revolutionized the Theater and Movie industry in the last year. From a mere 20,000 subscribers last summer to just tipping in at over 3 million in a year. This isn’t a good idea or novel service. No this is a revolution to a tanking industry. For years where have heard movie studios complain that people aren’t opting in for theaters instead utilizing their home theater system and attendance is down. Well now 3 million people are subscribe to unlimited trips to the movie theaters. The Tides are changing and Moviepass is leading the way.

    We have all heard the stories that Moviepass is failing. Its going broke and its not a sustainable venture. This will blossom, Movie theaters and studios are going to have to vi for movie passes 3 million theater goes. Concessions will be made, and also consumed. This will bring about a surge of independent movies that 3 million people will go to just because they can.

    We know hates will hate, and much like Mel Gibson, Moviepass poses a threat to the age old movie business. Well adapt or die. With each change or update we see a slew of bad media. Lets take a quick look that Moviepass’s latest subscription changes

    MoviePass Surge Pricing.

    MoviePass told customers that its Peak Pricing model will trigger whenever there is a lot of demand for a movie or showtime. For example, a subscriber who wants to see a popular evening showing of the latest “Avengers” movie might be warned by the MoviePass app that he or she will have to pay a few extra dollars to book a ticket.

    Moviegoers will also be told when a particular showtime does not yet have an added fee, but is growing in demand and could have one soon, according to an email sent to customers.

    We have yet to see what these price hikes will be but they don’t scare me. Moviepass is saving me a lot of money we can all spare a few bucks back if urgency to see a movie hits.

    “Peak Pricing goes into effect when there’s high demand for a movie or showtime,” MoviePass told subscribers. “You may be asked to pay a small additional fee depending on the level of demand. You can avoid the surcharge by selecting a different showtime or movie. Over the coming weeks we’ll also be introducing Peak Pass, which will allow you to waive one peak fee per month.”

    Bring a Friend and Premium IMAX and 3D Movies

    The company is also planning to roll out two new features later in the summer: a bring-a-friend option, which the company has been toying with for some time, and a premium price option to see movies in IMAX or Real 3D.

    With bring-a-friend, there will be an option on the app for  subscribers to add a ticket for a moviegoer who doesn’t have MoviePass. That added ticket will cost “somewhere near the retail price of the ticket,” Lowe said. The app will allow the MoviePass user to choose a seat for both people if assigned seating is available in a theater.

    The Final Thought

    I have just one last thing to say for all you opportunist, Helios and Matheson Analytics, Moviepass parent company is trading at just  $0.18 per share today. Moviepass will pop, just like the popcorn at the theater.

  • Alfa Romeo Stelvio Quadrifoglio: An Odd SUV With and Odd Premise

    Alfa Romeo Stelvio Quadrifoglio: An Odd SUV With and Odd Premise

    Let’s get this out of the way: I don’t think anyone asked for an SUV that could keep up with a Ferrari. Yet, for some reason, Alfa Romeo has created the Stelvio Quadrifoglio, a “sports SUV” that aims to do just that. To be fair, this Italian SUV keeps up with the promise of being fast and powerful. However, it sort-of forgets to be an SUV while it does that. Let’s talk odd Italian cars!

    Performance

    We’ll cover what the Stelvio Quadrifoglio wants to be known for first and foremost, the performance. It delivers in that respect: it’s fast, it accelerates well and it’s fun to drive on a long stretch. It’s got a 2.9-liter twin-turbocharged V6 engine under the hood, and that Ferrari comparison from earlier was literal. This is a Ferrari engine, sourced directly from the Italian carmaker. And it shows! However, the question remains: why is this in an SUV with 505 horsepower? This feels like something that was made because Alfa Romeo could, not because they should.

    The biggest issue this vehicle runs into is when it’s being driven in the city. While its engine is awesome on a racetrack, the handling and brakes make it awful in heavy traffic. Start-and-stop traffic becomes a chore rapidly, which is dangerous in a car with this much power under the hood. The suspension is tight, and the brakes are touchy, making the car feel anxious and jumpy in normal traffic. This shouldn’t be a problem for a vehicle this expensive.

    Interior

    The Stelvio Quadrifoglio has a luxurious interior at first glance but is actually somewhat disappointing upon inspection. While there is soft leather and brushed metal in some places, there are also patches of plastic and cheap-feeling finish in several places. The buttons on the console feel cheap and would be more at home in a Subaru. Additionally, the infotainment screen is somewhat small, at 8.8 inches, and it’s difficult to use with the dial. You can opt to use Android Auto or Apple CarPlay instead, and you should.

    Oddly, a number of advanced features that you’d expect to be standard are option on this “luxury” car. Features like forward collision warning, high-beam assist, and lane departure warning are added in the Driver Assist Dynamic Plus Package, which runs $1,500. That’s pretty much unacceptable, as the base price is $79,795.

    Alfa Romeo Stelvio Quadrifoglio Bottom Line

    Avoid this one unless you really want an SUV with a Ferrari engine. It’s hard to recommend something this expensive when it fails to deliver on the basic things an SUV of this price should come with. Good performance in city traffic and standard tech should be no-brainers, and yet the Alfa Romeo Stelvio Quadrifoglio opts to go fast instead. If this was a sports car, these problems could be overlooked. However, it fails to deliver on what it says it is, and as such, you should look elsewhere for a luxury SUV.

    Feature Image Credit: Car and Driver