Tuesday, 7 January 2025

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Though I am a dedicated daily Dunkin' Donuts consumer, that doesn't mean I don't make coffee at home. I'm a little coffee freak: I'll buy pre-made caffeine confections and brew my own on the same day. Nothing can stop my caffeine habit, not even financial barriers.

When I want to caffeinate at home, I use a Nespresso machine, which is more expensive to buy upfront than some other coffeemakers—but the initial investment isn't the only chunk of change associated with using it. Here's what ongoing Nespresso ownership looks like from a financial standpoint, and how that compares to a regular ol' coffee pot.

The upfront cost of a Nespresso machine

First of all, there are a lot of different devices that fit under the category of "Nespresso machine." I personally own the Vertuo Next Coffee and Espresso Machine by De'Longhi (with milk frother), which I like for its small footprint and sleek look.

The brand has a variety of machines available beyond that one. All of the devices use disposable pods to brew cups of espresso or coffee, but each is a little different—and some can cost as much as $700.

For the average consumer, like me, the smaller, less expensive ones are fine, but even saying "less expensive" here is purely relative, since $144 is nothing to scoff at when a standard coffee machine can be had for around $25.

Machine cost: Starting at $144

The best coffee options for the Nespresso

I prefer the taste and smoothness of my Nespresso to other brewing methods, but I know a lot of that depends on the quality of the coffee I'm putting into it, not necessarily the machine. I've found that it's more economical to source my pods directly from the brand rather than ordering them on Amazon or picking them up at Target.

Depending on where you live, there may even be a Nespresso store near you—in which case I recommend a visit; the employees tend to be extremely educated in all things coffee and can make recommendations to help you find your own perfect brew (that's how I wound up favoring the peanut and roasted sesame flavor). Plus you can sample everything, and even enjoy a cup at the in-store coffee counter. Signing up and getting a membership can be useful, as you'll regularly qualify for discounts and perks, and you'll earn points that can be traded for things like special mugs.

Of course, you can always just order or buy pods from your usual retailers. While a sleeve of 10 pods through Nespresso typically costs between $9 and $15 before any discounts, the prices on Amazon—both for Nespresso-branded ones and other collaborations, like Starbucks—are comparable. You can also get $16 refillable pods that can be used up to 100 times, though that doesn't include the cost of the beans you'll put in them.

I like shopping directly through Nespresso not only for the membership rewards, but because there's such a variety of flavors and styles available, but I know the same is true across the wider world of coffee. I have a Trade Coffee subscription, for instance, that provides me with a new bag of exotic or rare coffee every few weeks, so I know how many varieties and blends are out there. You can easily make a fabulous brew in a standard coffee pot if you take the time to seek out blends and beans that are better than your average Folgers.

For reference, you can buy enough Folgers coffee grounds to brew 240 cups of coffee for under $13. My favorite blend I've received from Trade, the Família Peixoto, is $15.75 per bag and makes 20 cups. Obviously, both of those options are more economical than the 10 cups you get for around $14 from Nespresso, so factor in that extra expense if you're considering this machine.

Pods cost: Starting at 90 cents to $1.50 each

Cleaning the Nespresso can also cost you

Finally, while you can clean and descale your Nespresso machine using vinegar (and I have even outlined the process for you), Nespresso recommends against doing so in favor of using their own products for cleaning. If you end up going the recommend route, you'll pay $12.99 to get two descaling packs.

After using my machine for a year, I've stuck with the vinegar method, but I do think I'll use the recommended cleaner soon. It's better to be safe than sorry, and I've noticed some weird tastes in my coffee lately, so it looks like I'll be adding another $13 to my list of expenses.

Cost of cleaning: $13 for two descaling packs

Must-have Nespresso machine accessories

Just like when I got my Peloton, I didn't stop to think about which accessories I might end up needing for a Nespresso machine, but since I made such a significant initial investment in both cases, I wanted to make sure I had all the add-ons to help me get the most out of it. If you're like me, that's more money you'll have to spend.

My favorite enhancement has definitely been my pod organizer. I got the rotating pod tree for $16.99, but you can also get pull-out drawers that stack underneath the machine itself for around $35. In retrospect, I wish I'd gotten the drawer instead of the rotating tree, since it would add a few inches to the height of my machine and make it easier for me to brew directly into my tall to-go mugs, but hindsight is 20/20.

I also got "The Sphere," which is just a little metal ball with prongs that you store in the freezer and set on top of your cup while you're brewing. It cost me a little over $13 and I got it thinking it would cool my drinks to iced coffee temperature without watering them down, but so far I haven't been able to make it work that way; it just lowers the temperature a little, not a lot. What it does do well is remove some bitterness from the brew, which is key for me as someone who uses each pod twice to save some money—the second brew of a pod always gets a little nasty, and this ball helps with that, though I can't explain the science behind it.

Bottom line

Though it costs more than an old school coffeemaker, both on initial investment and over time, I still recommend the Nespresso, and I'm glad I have one. It's easier to use and I like the flavor of my coffee. As long as you're comfortable paying a premium for the convenience, I think you'll be pleased too.

After a long career as a politician from Florida, former astronaut Bill Nelson has served as NASA's administrator for the last three and a half years. He intends to resign from this position in about two weeks when President Joe Biden ends his term in the White House.

Several significant events have happened under Nelson's watch at NASA, including the long-delayed but ultimately successful launch of the James Webb Space Telescope, the flight of the first Artemis mission, and the momentous decision to fly Boeing's Starliner spacecraft back to Earth without crew aboard. But as he leaves office, there are questions about ongoing delays with NASA's signature Artemis Program to return humans to the Moon.

Ars spoke with Nelson about his time in office, the major decisions he made, and the concerns he has for the space agency's future under the Trump administration. What follows is a lightly edited transcript of our conversation.

Read full article

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source https://arstechnica.com/space/2025/01/outgoing-nasa-administrator-urges-incoming-leaders-to-stick-with-artemis-plan/

Monday, 6 January 2025

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Today at the Consumer Electronics Show (CES), Govee is debuting a series of new light products, and while previous endeavors like lamps and holiday lights have focused on function, today’s releases are all about fun. Govee has also leaned in hard to a retro theme, debuting a set of digital tablets that display pixelated images or gifs: They're giving a real Lite Brite vibe.  

The Pixel Light looks a lot like a gaming console, so much that I spent some time trying to figure out if that was a feature I could unlock. Instead, it is a large pixel display, and you can use Govee’s app to change what it displays.  

While it’s not the touch screen I’d have liked for my 2025 Lite Brite fever dream, it does offer the same feel through the app, which does allow you to hand draw what you’d like to see on the screen using the DIY feature. You can select colors, shapes, and drawing tools, and when you're done, you tap “apply,” and the image is sent to your display. 

Govee Pixel Light DIY Painting Screen
Credit: Amanda Blum

There are also lots of presets, from nature to sports to food. This is perhaps the best use of the tablet, because these images are well-refined already and there are many animated gifs you can use. You can display livestreams of information, from weather to sports scores to Bitcoin values. There are patterns that will move to any music you play, and some patterns play 8-bit music. 

Now, if you’re looking at a wildly pixelated image alongside 8-bit music, and early Nintendo games don’t come to mind, you’re playing in a different technological bubble, because it is all I could think of. And while the console did come with static images of arcade games you could display, it didn’t have any animated gifs, and I thought that was a real miss. If this tablet showed Frogger or Super Mario Bros. or Donkey Kong incessantly, I’d let it play until it burned itself out. 

You can upload an image of your own and have it sent, in wildly pixelated format, to the display. This wasn’t fantastic, if you ask me, but it was an interesting experiment. 

Uploaded image to Govee Pixel Lite
And that is how pointillism works. Credit: Amanda Blum

There is an AI engine you can ask to generate images for the tablet, and experiences will vary. For instance, I asked a number of times for Rainbow Brite or Super Mario Bros. (I was determined), and in both cases, the AI engine had no idea what I was talking about. But if you ask for a rainbow, you get one. 

Govee Pixel Light AI engine
Credit: Amanda Blum

The last thing is that you can, actually, create an animated gif of your own. However, it’s unlikely you would from your phone, which is where my issues with the Pixel Light lie. All of the DIY and drawing tools are touch screen but are absurdly small. Too small to reasonably use the tip of your finger in drawing. It’s very clumsy, perhaps intentionally so (so you lean into the “fun” aspect), but I can’t imagine spending the time to create an animated gif because of the frustration with the touch screen size. 

The Pixel Light comes in two sizes: 5.75 x 7” and 5.75x 10". It comes with mounts for the wall or a shelf. It’s expected to be released for sale in early summer, with a target price of $100-$200.

Microsoft has many good ideas for Windows 11 that often do not ship, and one of them was "Dynamic Wallpapers," which, as the name suggests, could have made the wallpaper dynamic, similar to third-party tools like Lively Wallpaper. [...]

source https://www.bleepingcomputer.com/news/microsoft/microsoft-may-have-scrapped-windows-11s-dynamic-wallpapers-feature/
​Cybersecurity firm ESET is urging Windows 10 users to upgrade to Windows 11 or Linux to avoid a "security fiasco" as the 10-year-old operating system nears the end of support in October 2025. [...]

source https://www.bleepingcomputer.com/news/microsoft/windows-10-users-urged-to-upgrade-to-avoid-security-fiasco/
Scammers stole $494 million worth of cryptocurrency in wallet drainer attacks last year that targeted more than 300,000 wallet addresses. [...]

source https://www.bleepingcomputer.com/news/security/cryptocurrency-wallet-drainers-stole-494-million-in-2024/

Sunday, 5 January 2025

  • Entertaining & Educational: Learn money skills through fun online games.
  • Perfect for All Ages: Ideal for Gen Z, Millennials, and younger family members.
  • Start Early: Prepare for 2025 by teaching financial responsibility to kids.

2025 is here and it’s a perfect time to take stock of our finances and start planning smarter ways to manage money.

Financial literacy isn't just for adults—it's something we should also pass on to younger generations. Whether you're a parent, an older sibling, or an involved tito (like me), teaching kids about money management can have lifelong benefits.

In my case, I have two nephews who are growing up fast. I want them to learn the value of proper money handling early in life so they can avoid common financial pitfalls in the future. But how do you make learning about finances engaging and fun? The answer is simpler than you might think: games!

Mortgage Calculator Money Games for Kids

That’s where the Money Games Section on MortgageCalculator.org comes in. I discovered this treasure trove of free online games, and it’s been an absolute delight not just for me, but also for my nephews. These games are cleverly designed to teach money management, budgeting, and saving—all while keeping players entertained.

If you're looking for a way to educate while you play, here’s a list of my top picks from their collection.

My Top Picks from the Money Games Section


1. Coin Saver Challenge

Coin Saver Challenge is an engaging coin identification game designed to teach kids the basics of money handling while keeping them entertained. Players can select from easy, medium, or hard difficulty levels and complete three mini-games within five minutes to earn a 50% bonus. The challenges include sorting coins into jars, counting coins to pick the correct total, and comparing the monetary value on either side of the screen by sliding a blue bar. These activities not only improve math skills but also instill financial awareness in young minds.

Coin Saver Challenge

What makes the game even more exciting is its piggy bank customization feature, where players can save virtual money and spend it to dress up their piggy bank. From adding quirky hair and glasses to designing colorful backgrounds, this feature introduces kids to budgeting and prioritizing purchases. Coin Saver Challenge seamlessly combines fun, education, and creativity, making it a perfect tool for parents looking to teach children financial literacy in an enjoyable way.

2. Money Mosaic Challenge

Money Mosaic Puzzle is a simple yet entertaining game that combines fun with a dash of financial awareness. Players can choose to solve puzzles featuring $1, $5, $10, $20, $50, or $100 notes—or opt for a random selection. After picking a bill, players select a grid size—8, 12, or 16 slices—with higher slice counts offering more of a challenge. The objective is straightforward: drag the scattered currency pieces into their correct positions to recreate the full note.

Money Mosaic Challenge

Despite its simplicity, Money Mosaic Puzzle offers a rewarding sense of accomplishment when the final piece clicks into place and the level is complete. The game subtly familiarizes players with the appearance of different US currency notes while engaging their problem-solving skills. Perfect for both kids and adults, this puzzle game delivers a relaxing, educational experience ideal for casual play.

Money Mosaic Challenge

3. Jigsaw Deluxe

Jigsaw Deluxe is an engaging jigsaw puzzle game that explores the global monetary system through captivating visuals. Players can choose from a variety of puzzles, including United States coins, dollar bills, the Federal Reserve building, Euros, a Disney WWII-era war bond, and gold coins. Each puzzle offers four levels of difficulty—16, 36, 64, or 100 pieces—making it suitable for players of all ages and skill levels. The game features handy tools to ease the experience, like automatic piece orientation and a translucent background image to guide players through the puzzle.

Jigsaw Deluxe Dollar Puzzle

For those on smaller screens, a full-screen mode ensures an optimal view of the puzzle. Players can rotate pieces by left-clicking and arrange them into place to complete the picture. The game's built-in timer adds an element of challenge, encouraging players to beat their personal bests. Jigsaw Deluxe not only provides hours of entertainment but also fosters focus and problem-solving skills, making it a delightful way to unwind while appreciating the artistry of global currencies.

4. Idle Money Tree

Idle Money Tree is the quintessential idle clicker game that playfully tackles the age-old question: "Does money grow on trees?" Perfect for kids and casual gamers alike, the game combines humor and simplicity in its gameplay. Players click on money bags growing from a magical tree to collect currency while activating multiplier bonuses with rapid clicks to double or triple their earnings. Randomly appearing floating money bags add an exciting element of surprise, offering large cash rewards.

Idle Money Tree Game

To maximize your income, the game allows you to upgrade features like sunshine, watering cans, fertilizer, fruits, and genetic research. You can purchase upgrades individually or in bulk, ensuring your money tree flourishes with every click. Even when you’re away from the keyboard, the tree continues to generate income, though at a slower rate. Idle Money Tree is a lighthearted game that entertains while subtly showcasing the effort required to "grow" wealth—making it a fun lesson for kids and a stress-reliever for adults.

5. Cashier Simulator

Cashier Simulator puts players in the shoes of a grocery store cashier, where they must ring up each item a customer buys with precision and speed. As the game progresses, players will encounter more complex transactions, such as items being scanned and purchased in quantities greater than one. After ringing up all items, the cashier must calculate the total bill and handle payment, whether it's cash or credit. For cash payments, players need to give the customer the correct change, adding an extra layer of challenge.

Cashier Simulator

With 160 stages to complete, Cashier Simulator offers plenty of opportunities to hone your skills and unlock new items for sale in the store. The game rewards performance with up to 3 stars per stage, encouraging players to improve their efficiency and accuracy. Perfect for those who enjoy time management games, Cashier Simulator provides a fun and realistic experience while subtly teaching math skills and the importance of handling money correctly.

6. Cash Back

Cash Back is a game that challenges players to give customers the correct change using a combination of bills and coins. Players can choose to watch the tutorial or jump straight into the game, adjusting difficulty levels (easy, medium, or hard) and settings such as hints or displaying the change amount. The goal is to select the appropriate bills and coins to match the customer’s required change and tap the “Give Change” button to complete the transaction.

Cash Back Game

The game tests your ability to think quickly and accurately, with time running out as you answer more questions. As you progress, you’ll face more complex change scenarios, but the rule remains the same: the final sum must precisely match the change due. Cash Back offers a fun way to practice mental math and improve money handling skills, making it an entertaining and educational game for all ages.

Why These Games Are Perfect for Gen Z and Millennials


The beauty of these games is that they cater to both younger audiences and adults. Gen Z and Millennials, who often enjoy interactive and visually engaging content, will find the gaming experience fresh and entertaining.

Moreover, these games address key financial concepts in ways that resonate with their fast-paced, digital-first lifestyles. Idle games like Idle Money Tree appeal to multitaskers, while games like Cashier Simulator offer real-world applications in a fun setting.

A Step Toward Financial Literacy


As someone who’s spent countless hours trying out these games, I can confidently say they strike a great balance between entertainment and education. The best part? They’re completely free and accessible via your browser—no need to download anything.

Looking ahead to 2025, financial literacy is more crucial than ever. Teaching kids, nieces, and nephews about smart money practices now could set them up for success in adulthood. With games like these, the process is not just painless but actually enjoyable.

Mortgage Calculator Website

If you’re like me and want to make financial learning fun for your family, head over to MortgageCalculator.org’s Money Games Section and explore the possibilities.

Start the year with fun and purpose—play a game, and pass on valuable life skills.


source http://www.techpinas.com/2024/12/Fun-Online-Money-Kids-Games-for-2025.html
A new Android malware named 'FireScam' is being distributed as a premium version of the Telegram app via phishing websites on GitHub that mimick the RuStore, Russia's app market for mobile devices. [...]

source https://www.bleepingcomputer.com/news/security/new-firescam-android-malware-poses-as-rustore-app-to-steal-data/

If they're not consuming H2O directly, the power plant almost certainly is

Feature  The explosive growth of datacenters that followed ChatGPT's debut in 2022 has shone a spotlight on the environmental impact of these power-hungry facilities.…



source https://go.theregister.com/feed/www.theregister.com/2025/01/04/how_datacenters_use_water/

Saturday, 4 January 2025

Although SpaceX founder Elon Musk is known for outspokenness and controversial comments on his social media site X, he has been relatively restrained when it comes to US space policy in recent years.

For example, he has rarely criticized NASA or its overall goal to return humans to the Moon through the Artemis Program. Rather, Musk, who has long preferred Mars as a destination for humans, has more or less been a team player when it comes to the space agency's lunar-focused plans.

This is understandable from a financial perspective, as SpaceX has contracts worth billions of dollars to not only build a Human Landing System as part of NASA's Artemis Program but also to supply food, cargo, and other logistics services to a planned Lunar Gateway in orbit around the Moon.

Read full article

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source https://arstechnica.com/space/2025/01/elon-musk-were-going-straight-to-mars-the-moon-is-a-distraction/

Not just AWS, Microsoft et al that are betting on nuclear energy, 13 federal agencies get in on act too

Constellation Energy has won contracts worth more than $1 billion from the US government to supply nuclear power to over 13 federal agencies, validating efforts by datacenter operators to secure their own atomic sources.…



source https://go.theregister.com/feed/www.theregister.com/2025/01/03/us_gov_nuclear_energy/

When you think about data privacy on the iPhone, the focus is usually on ad tracking companies and other third-parties that might be siphoning off your personal information without you knowing about it. Unfortunately, it's time to start paying attention to the data that Apple itself collects, too. Although Apple has continually repeated its commitment to privacy, the company hasn't always followed through on those promises. In a recent development, indie app developer Jeff Johnson noticed that a Photos feature called Enhanced Visual Search is enabled by default and shares photos data with Apple in the background.

In iOS 18.1 and macOS 15.1, Apple introduced Enhanced Visual Search to let you "privately match places in your photos with a global index maintained by Apple." This, Apple says, allows you to use search in the Photos app to look for landmarks and points of interest, making it easier to locate specific pictures. This feature is similar to Visual Look Up, which lets you identify plants and animals using your iPhone. 

Enhanced Visual Search is definitely useful, but enabling it by default does raise concerns. Even though Apple says its implementation privately matches your photos with its database, I'd rather opt-in before having my data sent over.

How to disable Enhanced Visual Search on iPhone, Mac

Enhanced Visual Search in a Settings page in the Photos app on a Mac.
Credit: Pranay Parab

If, like me, you're uncomfortable with this new feature, you can disable it quite easily. On your iPhone, go to Settings > Apps > Photos and scroll to the bottom of the page. You can disable Enhanced Visual Search here. On your Mac, open the Photos app and click the Photos button in the menu bar up top. Go to Settings > General to disable Enhanced Visual Search.

On a related note, iOS 18 also lets you automatically remove location data from photos when you're sharing them with others, which will help further secure your privacy.

Friday, 3 January 2025

A new CAPTCHA has you play a short game of DOOM rather than click images or identify squiggly letters.

​Chinese state-backed hackers have reportedly breached the Office of Foreign Assets Control (OFAC), a Treasury Department office that administers and enforces trade and economic sanctions programs. [...]

source https://www.bleepingcomputer.com/news/security/chinese-hackers-targeted-sanctions-office-in-treasury-attack/

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When you finally decide to declutter and organize your home, the initial clearing out and restructuring is important (and so satisfying), but keeping things in order going forward will pose a greater challenge. To lead a more organized and decluttered life over the long haul, focus on three pillars that form the Organizational Triangle. Once you master these rules, your home will stay in much better shape and, eventually, it will become a habit.

What is the organizational triangle?

The Organizational Triangle was conceptualized by pro organizer Andrew Mellen, the mind behind The Most Organized Man in America's Guide to Moving and Unstuff Your Life: Kick the Clutter Habit and Completely Organize Your Life for Good. While Mellen writes and speaks about all manner of organization and decluttering, he describes the Organizational Triangle as "the foundation" of all of his work—and having followed these rules myself over the last six months, I can absolutely say they're the foundation of my home, now, too. This three-tiered approach provides a simple process for maintaining a clutter-free home:

  • Every item needs a home

  • Keep like with like

  • Use a something in, something out approach

Keep these three tenets in mind during your initial decluttering, and going forward as well, so your place stays neat and won’t require another big clean in a year or so. Here's a deeper look at what each step involves.

Organizational Triangle step 1: Every item needs a home

This step is crucial when you’re first starting out. No matter which of the many available cleaning techniques you choose to follow, you’ll almost certainly end up categorizing your possessions by whether you want to keep, throw out, donate, or sell them. When aligning your clearing out with the tenants of the Organizational Triangle, you’ll need to closely assess anything you decide you want to keep. 

That's because every item in your home should have its designated space, whether that’s a certain drawer, cabinet, basket, or shelf. If you can’t think of a permanent home for something, you either need to make one or get rid of that thing. Nothing should be floating around, moving from space to space, or otherwise homeless within your home. The reason for this is simple: Anything you want to access should be somewhere you'll know to look for it. It should only ever be in one of two places: in its designated spot, or in your hands. Decluttering is useless if the items that remain end up piled on a table or aren’t easy to find when you actually need them. 

Step 2: Keep like with like

The second step is to reorganize your space to keep alike things together, always. For instance, don’t keep some screwdrivers in the garage and others in the kitchen, even though it seems intuitive to imagine that when you need a screwdriver while doing an indoor task, it will be handier to have one closer to you. Don’t keep a basket of batteries in each room; put them all together. Etc. 

If you have AA batteries in a drawer in your living room in case you need them for the remote, but all your other batteries in a basket in a kitchen cabinet, you might not remember where to find those AA batteries when the remote for the fan in your bedroom goes out. You’ll go to search the kitchen basket, find nothing, and buy AA batteries from the store, wasting money. Meanwhile, the batteries in the living room will be yet more clutter. 

Step 3: Something in, something out

Something in, something out is a tried-and-true organizational method you should only employ once you have finished an initial round of decluttering and are moving forward into a more organized lifestyle. But it's pretty basic: When you get something new, get rid of something old to make space for it. If you’re following the Organizational Triangle’s rules, you know there needs to be a spot for everything, but space is finite. Don’t cram too much into your shelves and drawers or else they’ll end up cluttered, too. 

If a lot of items fit into a space, that’s great, but in most cases, you need to be strategic about how much stuff you accumulate. If you can only use one of a thing at a time and you’re committed to following the above rules about putting every item back in its place when you’re done using it, there's no point in having more than one. Accumulating multiples of objects only makes it easier for you to slack on the rule about putting things back where they belong after use. Following a something in, something out rule can also act as a check on your impulse buying habit, since you'll know that buying something new means getting rid of something old.

Most people know that if you have life insurance, you need to name a beneficiary—the person or entity that receives the payout. For most of us, that’s the beginning and end of our relationship with the concept, in part because we don’t have the sort of wealth we imagine necessitates worrying about where it goes (the median net worth in the U.S. is just $192,900, after all), and in part because people might assume that our spouse or family will just automatically inherit everything.

But you should name beneficiaries for more than just life insurance. Designating beneficiaries for your assets and estate offers several real benefits, and if you haven’t updated those designations in a while you should review and change them sooner rather than later.

Advantages of beneficiaries

You might assume that if you die your property and assets will pass automatically to your spouse, children, or closest relative (like a sibling). But that’s not necessarily the case—and even if it eventually turns out that way, dying without a will or beneficiaries (called “intestate succession”) can trigger a lengthy and frustrating probate process controlled by state laws. This can sometimes take years to complete, causing a lot of emotional and financial stress for your loved ones.

And even if you have a last will and testament, you should designate beneficiaries for your assets, because beneficiaries supersede your will. If your will states that your asset goes to your spouse, but you listed your brother as the beneficiary, your brother will wind up receiving that asset. The bottom line is that designating beneficiaries gives you control over what happens to your money after you pass, and spares your family and other loved ones a lot of grief.

Most of your financial assets should have an up-to-date beneficiary named, including:

  • Life insurance: Probably the most obvious case for most of us. If you receive life insurance as a benefit from your job, you should make sure you’ve designated a beneficiary.

  • Bank accounts: Your checking and savings accounts can have beneficiaries, and naming one can make the process of accessing them after your death much faster and much easier.

  • Investment & retirement accounts: This includes health savings accounts (HSAs) and 529 accounts.

  • Annuities: Similarly, naming a beneficiary for any annuities you’ve bought can make the process of transferring it to someone else much easier.

When figuring out beneficiaries for your assets, there are two more things to consider:

  • Keep them updated. If you haven’t reviewed your named beneficiaries recently, conduct a quick audit to make sure your choices still reflect your current relationships and desires (the obvious example here would be an ex-spouse who’s still listed as your life insurance beneficiary).

  • Contingent beneficiaries. You should also make sure that every asset has a contingent beneficiary named—a “backup” in case your primary beneficiary has predeceased you.

How to select your beneficiaries

Once you realize how important it is to name beneficiaries for all your accounts, the challenge becomes choosing the right person. While this might seem obvious to many of us, there are a few key considerations:

  • Age: Minors can’t inherit directly, so naming a child as a beneficiary adds complication instead of removing it. Most life insurance policies and financial accounts won’t allow it, and if you manage to do it the asset might wind up in a trust administered by state government until the beneficiary is an adult.

  • Capability. When choosing beneficiaries, think about the person’s capability. If they’re going to be placed in charge of a significant financial asset, ask yourself if they have the experience and necessary knowledge to handle it going forward.

  • Circumstances. While naming someone to receive a financial windfall might seem like an obviously good thing—beneficiaries benefit, after all—take a moment to think about the potential negative impact that a sudden jump in net worth might have on someone in terms of tax liability or qualifying for benefits. This is especially important if you’re designating several beneficiaries to share an asset—dividing it up equally is the easiest thing to do, but might not be the best thing to do if your designated beneficiaries have very different economic realities.

  • Clarity. While most financial accounts require a specific name for beneficiaries, if you have the option of being less specific—don’t. Naming “all my children” as beneficiaries, for example, gets complicated if one of your children predeceases you, for example.

  • Insurable interest. Many life insurance policies require that your beneficiary have an “insurable interest” in you—they must rely on you in some financial sense. Naming a beneficiary that lacks an insurable interest can lead to a host of complications, so make sure your desired beneficiary will pass muster with your insurer.

Finally, keep in mind that in many cases you can name a charitable organization as a beneficiary. Since beneficiary designations trump wills, this is an easy way to control who benefits from your estate after you pass.

Thursday, 2 January 2025

The developer of the Puffin Browser thinks so – and has a million users to show for it

It's hard to get excited about feature phones with 320 x 240 resolution, but Shioupyn Shen thinks precisely such devices are about to bring millions of people to the web in a new way.…



source https://go.theregister.com/feed/www.theregister.com/2025/01/02/cloudmosa_cloudphone_4g_feature_phone/
The latest bag from WaterField brings the company's premium design to the gym. It includes several pockets and compartments that can fit a tablet, earbuds, and a hidden tracker tag.

You may not need that high-bandwidth brain-computer interface

Caltech researchers have estimated the speed of human thought to be a mere 10 bits per second, a data rate so leisurely that it underscores the need for further research into brain function and calls into question claims about brain-computer interfaces and artificial intelligence.…



source https://go.theregister.com/feed/www.theregister.com/2025/01/01/boffins_peg_brain_data_rate/

Wednesday, 1 January 2025

If you’re renting, you know that the security deposit is a big deal—the moment you decide to move out, the top priority is getting that money back. While this is usually a pretty straightforward process—you move your stuff out, give the place a solid cleaning, and you get your money back.

Unfortunately, things don’t always go so smoothly. There are plenty of bad landlords out there, and you might get a nasty surprise when you move out in the form of surprise cleaning fees: You’re all moved out and the apartment appears to be in fine shape, but your landlord deducts several hundred dollars from your security deposit for cleaning anyway.

Landlords have the ability to deduct reasonable costs from your security deposit—that’s why it exists. But that doesn’t mean they can just invent reasons to charge you. Here’s what you can do if that happens—and what you should do when you move into your next rental to make sure it doesn’t happen again.

Know that you're not responsible for wear and tear

As a tenant you’re generally not responsible for what’s known as normal “wear and tear” on the living space. This is the normal damage that occurs just from a space being occupied, like peeling paint, cracks from settling, or carpets thinning from use. The Department of Housing and Urban Development (HUD) has a formal list of wear and tear items, and states explicitly that “the costs an owner incurs for the basic cleaning and repairing of such items necessary to make a unit ready for occupancy by the next tenant are part of the costs of doing business.” This is in contrast to what’s considered “tenant damages,” which include things like holes in the walls, gouged floors, or missing fixtures.

That said, always read your lease carefully and understand the specifics surrounding your security deposit and the fees the landlord might charge for cleaning—and how they define “wear and tear.” Generally, your landlord can’t simply deduct a routine cleaning fee from your security deposit, but the language you agreed to in your lease may complicate the matter. Being aware of any potentially problematic language in the lease before you move out can help you avoid problems.

Document and clean

Once you know the different between wear and tear and tenant damages, your next step is to document the condition of your apartment. The best-case scenario is to begin this process before you actually move in by creating a detailed video of the home that shows the condition of every aspect of the space. If the walls are scuffed, for instance, having proof that they were like that before you moved in will be crucial.

Once you’ve documented the condition of the place, the best way to ensure you avoid surprise cleaning fees is to clean. Cleaning on a regular schedule prevents dirt from building up and turning into a monumental chore, which will make it a lot easier to get the space into presentable shape when you move out.

If you hire cleaning professionals or have to go above and beyond in any way to clean the place, continue to document your efforts—keep receipts and copies of any correspondence with your landlord related to cleaning issues. If you note any “wear-and-tear” items or pre-existing cleanliness issues that you shouldn’t be responsible for, make sure you communicate that to your landlord and keep records of that communication.

Finally, when you’re moving out, document your cleaning and the final condition of the apartment as you leave it in another video.

If you're charged with a cleaning fee

If, despite your best efforts, you still get socked with a surprise cleaning fee when you move out that you believe is unfair, here are a few steps you can take:

  • Gather evidence. Make sure you have access to your evidence of the original and final condition of the space, and gather any receipts or communications related to cleaning.

  • Request details. Ask your landlord for a breakdown of costs and ask for copies of receipts if they claim to have hired cleaners.

  • Write a dispute letter. Send your landlord a letter by certified mail that details the improper charges. Include specifics like the amount of your total security deposit, the amount deducted for cleaning, why the amount is unjustified, and a deadline for receiving the money. It helps if you research your state’s laws around the return of security deposits and include those details as well. You can see a sample letter here.

  • Contact a tenant’s rights organization. There’s probably a local tenant’s rights organization in your area that can help you navigate the situation by providing advice and resources. If you can't find one, Renters Rising can help identify a local group.

  • Small claims court or mediation. If all else fails, you can take your landlord to small claims court unless your security deposit is astronomically high (more than $10,000). You could also locate a professional mediator to help you come to an agreement over the dispute (the American Arbitration Association can help you find one in your area) if your landlord is agreeable.

There aren't that many movies specifically set on New Year's Eve, but one of the best is The Hudsucker Proxy (1994), Joel and Ethan Coen's visually striking, affectionate homage to classic Hollywood screwball comedies. The film turned 30 this year, so it's the perfect opportunity for a rewatch.

(WARNING: Spoilers below.)

The Coen brothers started writing the script for The Hudsucker Proxy when Joel was working as an assistant editor on Sam Raimi's The Evil Dead (1981). Raimi ended up co-writing the script, as well as making a cameo appearance as a brainstorming marketing executive.  The Coen brothers took their inspiration from the films of Preston Sturgess and Frank Capra, among others, but the intent was never to satirize or parody those films. "It's the case where, having seen those movies, we say 'They're really fun—let's do one!'; as opposed to "They're really fun—let's comment upon them,'" Ethan Coen has said.

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source https://arstechnica.com/culture/2024/12/the-perfect-new-years-eve-comedy-turns-30/

Boeing ends abysmal year on an even lower note

The disastrous crash of a Boeing 737-800 in South Korea over the weekend, which killed 179 of the 181 people onboard, was followed by a second incident involving Jeju Air. On Monday, the flight was forced to return to its origin due to a reportedly similar landing gear issue.…



source https://go.theregister.com/feed/www.theregister.com/2024/12/31/second_jeju_air_mechanical_issues/

If you have big aspirations for 2025—a big deadlift, a marathon, a change in the size of your body—I sure hope you haven’t translated them into the limited, pass-fail box-checking of a SMART goal. But that doesn't mean SMART goals are useless. You really need two types of goals: Dream Goals to inspire and motivate you, and SMART goals, which are a type of process goal, to keep you on the path toward those dreams.

Why SMART goals are different from Dream Goals

SMART goals have long been heralded as a goal-setting life hack, but the truth is that they were invented for managers to set quotas and such for their companies (the original “A” stood for “assignable,” as in, to an employee). Their usefulness in fitness or self-improvement is pretty limited.

A SMART goal, as it’s talked about it the fitness world today, is Specific, Measurable, Attainable, Relevant, and Time-bound. Put together, this means you set a deadline by which time you expect to achieve a specific measurement of an outcome. In other words, you’ve turned it into a pass-fail test. And because you wouldn’t want to fail that pass-fail test, creating a proper SMART goal means that you need to set the bar low. The goal has to be Attainable, remember? When you look at it that way, SMART goals are not goals in the way I would think of the word, in the sense of big dreams that inspire us to keep going.

That's why you need another type of goal, which I'll call a dream goal. A dream goal is what you really want. It's the thing that inspires you, whether or not it's attainable. You might dream of deadlifting 500 pounds, or hiking the Appalachian trail, or qualifying for the Boston Marathon, or, heck, winning the Boston Marathon. We're not going to shoehorn that into the SMART goal framework. But we can set some SMART goals as benchmarks or process goals to guide our training as we work toward that big dream.

How to dream big while still setting process goals

I’ve written before that SMART goals are overrated, but to be honest, they make a good framework for process goals. Process goals are things that are fully in our control. They are Attainable, by definition. For example, going for a run three times a week is a process goal. Eating a vegetable at every meal is a process goal. Following a program that tells you to do five sets of eight reps of deadlifts every Tuesday is a process goal.

And the point of a process goal is to put you on the path to your big Dream Goal. I like to think of it this way: Your Dream Goal is a big mountain off in the distance. You know it’s there, but you don’t know exactly how far away it is, or how tough the journey will be. Your process goals are things that will keep you on the path toward that mountain. Packing your bags. Putting one foot in front of the other. Or as Peloton instructor Tunde Oyeneyin puts it (right before telling me I better beat my score from her last burpee circuit): “A goal is a wish. A standard holds us accountable.” We need both.

I can’t emphasize how important it is that we allow ourselves to dream big. “Take one minute off my 5K race time this year” is attainable, but why limit yourself to that? “Run a 5K in under 20 minutes” is a big-as-hell dream (especially if you’re around 30 minutes right now) but it’s very much worth working for. The path up that mountain might be a long one, but it’s not going to walk itself.

How to write SMART goals to support your Dream Goals

So, let’s start charting that path. As with any trip up a distant mountain, you won’t know quite what the road is like until you get there. So focus on what’s right in front of you and what you can control.

Here’s an example of how you can set some SMART process goals to guide you toward a big dream that may or may not be achievable. Let’s say you’re a runner, and you want to be a faster runner. You might chart out a journey like this:

Dream goal: Run a 5K in 20 minutes or less (someday)

Process goals for winter/spring 2025:

  1. Build up my aerobic base by running a few more miles each week, until I am running 20 miles a week.

  2. Run a time trial at the track on January 25, both as a benchmark and so I can calculate my training paces.

  3. Follow the Hal Higdon Intermediate 5K Training Program as written, including the recommended Tuesday and Thursday strength training.

  4. Run the Big Local 5K in my city this March.

  5. In the week following that 5K: Congratulate myself on finishing, assess my strengths and weaknesses, and decide on a new set of process goals for summer training.

See how each of these five is a SMART goal?

  • They are all Specific enough that you know exactly what to do to fulfill those goals. (I’ve given a mileage number and picked out a specific training program, but obviously you would choose your own.)

  • They are Measurable: You hit the miles, or you check off the number of workouts programmed. On the day of the time trial and the race, you either show up or you don't. And you get a finish time for each, to more precisely measure your progress.

  • They are Attainable: You have full control of whether or not you go out for a run, show up for a race, etc. (Obviously, if you don’t have full control over this due to life circumstances, you would write a different set of goals that take those circumstances into account.)

  • They are Relevant: They all set you on the path toward being a faster runner at the 5K distance.

  • They are Time-bound: From this framework, you could sit down and schedule every single run on your calendar for the next three or four months. (You would work backward from the race date to find the start of the training program, and so on.)

These goals define your process, and then you get to reassess. After the Big Local 5K, do you want to do more specific 5K training to get faster? Do you want to train for a marathon for the base-building opportunities and because you kind of like the idea of a side quest? Or might you find that your other goals in life conflict with this one—perhaps you’d rather reduce mileage this summer so you can do more paddleboarding, and return to run training in the fall?

This way, you still get to dream big, but you know you’re always on the path to those big goals—at least as long as you want to be. Shoot for the moon, and if you don’t make it, at least you’ve built a damn good rocket ship along the way.

Tuesday, 31 December 2024

Threat actors are exploiting a post-authentication remote command injection vulnerability in Four-Faith routers tracked as CVE-2024-12856 to open reverse shells back to the attackers. [...]

source https://www.bleepingcomputer.com/news/security/hackers-exploit-four-faith-router-flaw-to-open-reverse-shells/

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication.

If you're looking for earbuds that won’t fall out mid-workout, the Anker Soundcore Sport X10, now priced at $49.99 (down from $79.99), might be worth a look. According to price-trackers, this is the lowest price these earbuds have ever hit, and they come highly rated—4.0 out of 5 and an “excellent” verdict from PCMag. Available in black or oat white, these earbuds have rotatable ear hooks (that twist 210 degrees) and come with extra ear tips in various sizes so you can adjust them for a personalized fit. That said, if you wear glasses, the ear hooks might interfere with your glasses’ arms and their placement.

The sound profile of the Soundcore Sport X10 leans bass-forward, courtesy of its 10mm dynamic drivers and Anker’s BassUp technology, but it’s still balanced enough for casual listening. Pair that with Bluetooth 5.2 support for wireless connectivity, a surprisingly good noise-cancellation performance (for the price), and an IPX7 rating, and you’ve got a solid pair of audio gear that's ready for even the most intense workouts. (A heads up, though, that the charging case doesn’t share this durability rating.)

The on-ear controls of these earbuds are located on the top of each earbud, preventing the discomfort of accidentally pushing them further into your ears while making adjustments. These controls are customizable via the app, where you can also toggle between ANC (active noise-cancellation), transparency, and off modes, fine-tune the sound with an eight-band EQ, and explore extras like breath-training exercises. Battery life is decent, with Anker estimating eight hours per charge and an additional 24 hours from the case. Your mileage may vary depending on listening volume and how often you use ANC. If you’re considering alternatives, the Jabra Elite 3 at $42.30 is another solid option.

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