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Facebook underreported iPhone traffic for some publishers
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Facebook underreported iPhone traffic for some publishers


Facebook Inc said it had underreported the number of views on iPhone of content published by some publishers using its Instant Articles platform between Sept. 20 and Nov. 30.

Publishers make money through ads on their posts.

Facebook said on Friday that a recent update to one of its metrics had led to the issue and affected publishers using one of its legacy platforms. Traffic numbers for iPad and Android devices were not affected.

The company apologized in September for an error in the way it measured a key measure of video viewership that significantly amplified users' viewing times on its platform.

The latest issue has been fixed and updated estimates will be provided, Facebook said.

Facebook also said it was updating the way it calculates potential audience size for ads as a way to give advertisers a better view of the number of people they can expect to reach.

Posted on: 12/17 13:15
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4 common medications that are making you tired
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4 common medications that are making you tired

Antidepressants

They're among the most commonly prescribed medications, especially for women. (Women are twice as likely as men to take antidepressants, according to the National Center for Health Statistics.) But they can also make you tired.

Most modern antidepressants (SSRIs, or selective serotonin reuptake inhibitors) work by regulating serotonin, a mood chemical in the brain that plays an important role in sleep. Although SSRIs tend to be less sedating than older antidepressants (including tricyclics such as Elavil), some people still end up feeling sluggish. Zoloft users often report this side effect

Antihistamines

You may be taking them for your seasonal allergies, but these drugs are also really good at helping you doze off—so good, in fact, that they're actually used in sleep aids like Unisom. They work by blocking histamine, an itch- and sneeze-inducing chemical that also happens to be a neurotransmitter.


Blood pressure medication

According to the CDC, nearly 75 million Americans—a staggering 1 in every 3 adults—suffer from hypertension. It's often treated with beta blockers, but these drugs aren't exactly well-liked among patients.

Beta blockers inhibit the production of adrenaline, a hormone that causes your heart to beat rapidly. By slowing your heart rate, they lower the force of the blood pounding on your artery walls (aka your blood pressure). But having less adrenaline can also zap your energy level. One beta blocker, Inderal, is particularly fatiguing.


Anti-anxiety medications

Benzodiazepines are among "the most widely prescribed medication in the world,"



These drugs bind to a receptor in the brain that releases a chemical called GABA. When GABA is released, it signals the brain and body to relax, which can provide short-term relief to someone with intense anxiety. But it may also work a little too well, causing you to become drowsy or even fall asleep.

The most sedating drug in this class is Ativan, says Simpkins. It causes so much sleepiness that doctors typically prescribe it as a sleep aid for people whose anxious thoughts are keeping them awake.

Posted on: 2016/9/23 14:03
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Brain training may forestall dementia onset for years, new study says
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Brain training may forestall dementia onset for years, new study says


If you’re intent on keeping dementia at bay, new research suggests you’ll need more than crossword puzzles, aerobic exercise and an active social life. In a study released Sunday, researchers found that older adults who did exercises to shore up the speed at which they processed visual information could cut by nearly half their likelihood of cognitive decline or dementia over a 10-year period.

The new clinical trial results, presented Sunday at the Alzheimer’s Assn.’s International Conference in Toronto, establish specialized brain training as a potentially powerful strategy to prevent Alzheimer’s Disease and other afflictions, including normal aging, that sap memory and reduce function.

With 76 million baby boomers reaching the age of maximum vulnerability to Alzheimer’s and with no effective treatments available to alter the disease’s progression, researchers are keen to find ways to prevent or delay the onset of the memory-robbing disease. The new research suggests that even years after it is administered, an inexpensive intervention without unwanted side effects might forestall dementia symptoms.

The latest results emerged from a 10-year study that compared the effects of three forms of brain training in a group of 2,802 cognitively healthy seniors. The ACTIVE study — short for Advanced Cognitive Training for Independent and Vital Elderly — was funded by the National Institute on Aging.

A quarter of the participants, who had an average age of 73.4 at the study’s start, got no training at all. The remaining participants were divided into three groups, and over five weeks, each group got 10 hour-long training sessions. One group got a classroom-based course designed to impart strategies aimed at boosting memory; a second got a classroom-based course designed to sharpen participants’ reasoning skills.


http://www.latimes.com/science/scienc ... -20160724-snap-story.html

Posted on: 2016/7/24 22:26
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Which name do you like best?
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Which name do you like best?

Mia, Ava or Anna?


Love all three, Anna is my favorite, its not as popular as Mia or Ava at the moment and its super classy and pretty, Mia is my second favorite because its super cute and I think its a name that fits any personality and appearance. I know a lot of Mias..blondes, brunettes, hispanics, etc and lastly Ava, I like it but not as good as the other two.

Posted on: 2016/6/21 20:40
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3 Tax Deductions That Could Lead to an Audit
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3 Tax Deductions That Could Lead to an Audit


---Home office deductions:

Home office deductions are a legitimate way to save money if you work from your home -- if you qualify and follow the rules. But if the IRS smells anything fishy in your deduction(s), it may audit you. (Fortunately, a seemingly fishy deduction is in fact proven legitimate, in which case there's a happy ending to the audit.)

Here are some of the rules: For starters, the office in your home must be used exclusively for business. If it's in a room that you also use as a home gym, or where you hang out and watch TV in the evenings, then it doesn't qualify. The space must also be your principal place of business, or where you meet regularly with customers. If you're a salaried employee and you spend only a handful of hours per week working from home, that's not good enough. (If you have a part-time side business and work for that exclusively from a home office, that could qualify.)

To claim a home-office deduction, you'll need to figure out what percentage of your home your office takes up. Once you have that, you can deduct that percent of utilities such as electricity and heat, as well as mortgage interest, property taxes, home insurance, security expenses, homeowner association fees, home repairs, and maintenance expenses. You can also deduct the full cost of a dedicated phone line into the office if you have one, and the full cost of work done on that room, such as painting it. If you have a car that you use for business, you may be able to deduct some or much of your expenses related to it.

As long as your deductions seem reasonable and in line with those taken by similar taxpayers, then the IRS may not question much. Regardless, be ready to substantiate any claims, in case you need to.

---Charitable contributions-

Charitable contributions receive particular scrutiny from the IRS. The IRS generally looks for oddities, like large charitable contributions relative to your income. If you made $50,000 last year, then you'll probably have a hard time explaining how you donated $49,000.

Size isn't the only factor in whether or not a charitable gift triggers an audit. Non-cash donations, also known as "in-kind" donations, attract attention because it's easy to inflate the value of a non-cash donation like used clothing or cars. If your non-cash donations exceed $500, then you'll need to fill out a Form 8283. Donations in excess of $5,000 require additional disclosure on the Form 8283, as well as an appraisal by someone the IRS deems as a "qualified appraiser," with a few exceptions.

You can avoid the most common mistakes by making sure that your donations are actually deductible (the IRS maintains a list of charitable organizations that qualify) and that you have receipt of your charitable donations when you file your taxes.


---Medical expenses deduction:

In order to even claim a deduction, you need to spend more than 10% of your adjusted gross income on unreimbursed medical expenses. In other words, if you earn $100,000, you'll need to spend more than $10,000, or else you're ineligible.

As you might imagine, this is fairly uncommon. According to IRS data, only about 12% of taxpayers with AGI of between $50,000 and $100,000 claimed a medical deduction, and this was for a tax year in which the threshold for claiming was still 7.5% of AGI (it still is, if you're over 65). And the average deduction claimed by this income group was $7,532. Now that the threshold has been raised, it's safe to assume that even fewer taxpayers qualify for a medical expense deduction.

Posted on: 2016/4/15 13:55
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3 Reasons It’s Dumb to Take Social Security Benefits at 70
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3 Reasons It’s Dumb to Take Social Security Benefits at 70


Age % of Full Benefits

62 75%

63 80%

64 86.7%

65 93.3%

66 100%

67 108%

68 116%

69 124%

70 132%


Among Social Security gurus, there's something called the "breakeven age." Here's the thinking behind it: while the person who claims at 62 is getting a monthly check that's almost half of the retiree who waited until 70 to claim, the former is collecting money for a full eight years while the latter isn't.

In other words, the early claimers might be getting less, but they're getting it for a lot longer. Depending on taxes, inflation, investment returns, and a host of other variables, it doesn't become financially advantageous to wait until 70 (versus 66) until a retiree reaches his or her mid-80s.

Given that the life expectancy for a U.S. citizen aged 70 is 15 years for males and 17 years for females, it's virtually a wash. In the end, if you have enough money to make ends meet and enjoy retirement when you're younger, it makes a lot of sense to take it.

Posted on: 2016/3/24 20:55
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How to Earn Extra Money in Retirement
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How to Earn Extra Money in Retirement

It would be great if the cost of living stopped rising once you retire. You would know exactly how much money to save, and how much income will support your lifestyle. But the cost of living continues to rise even after retirement, which is why a lot of people look for ways to earn extra money, often just a couple of years after retiring.

Consulting

Many careers can be converted into part-time or seasonal consulting arrangements in retirement. For example, let's say that you worked in marketing and sales during your career. You may be able to work as a consultant for other businesses engaged in the same line. Or let's say that you managed a restaurant; you may be able to become a consultant for another restaurant or even a small restaurant chain.

The idea is to take the experience that you accumulated during your working years, and consolidate it into a program where you can sell your expertise for a fee. It could be a flat fee or an hourly compensation arrangement, that will be an excellent way to earn extra money in retirement.

Freelancing

Create a list of skills you have - they can be either those acquired through your career, or even one or more from a hobby or area of interest. Figure out how you can sell those skills to businesses or individuals, and you can make money freelancing.

Let's say that you were a teacher during your working life; you may then be able to sell your services as a tutor. Or let's say that you are an avid golfer, and a pretty good one at that; you may be able to sell your services as a golf pro at a golf club, or even to offer instruction to other golfers. There's no more fun way than to make money from your hobbies!

Start a Part-time Business

This can involve providing a service or selling a product. Under ideal circumstances, it will be a business idea that you are enthusiastic about, kind of like a lifelong dream. If you can identify that kind of business idea, you may be able to combine passion and a need to to earn extra money - and that's a powerful combination.

Identify what kind of business you would like to go into, then do some research into the industry, including investigating some local businesses in the same field. Figure out what you can offer - either a better product or service, a more efficient delivery, or a lower price - then start to build your business around it.

An even faster way to do this, if you have the money, will be to buy out an existing business. This is generally less risky than starting a business from the ground up, since the business will already be running and have a cash flow.

Many business ideas can blend neatly into retirement, in a way that a full-time job can't.

Create Passive Income Sources

These are the types of income sources that generate revenue with minimal effort from you. That doesn't mean that they require no effort all. Typically, you'll invest a considerable amount of time, effort, and often money in getting a passive income stream started. But once it's up and running, it's one of the best income sources you can have.

Posted on: 2016/3/7 17:11
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5 Dividend Stocks to Buy
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5 Dividend Stocks to Buy


1. Gilead Sciences (NASDAQ:GILD):
The expected FDA approval of Merck & Co.'s new hepatitis C therapy could force Gilead Sciences (NASDAQ:GILD) shares lower this month, and if so, investors might want to step up and buy shares in Gilead Sciences ahead of its fourth-quarter earnings release later this month.

The lion's share of Gilead Sciences' revenue comes from its hepatitis C drugs, and despite facing off against AbbVie Inc.'s Viekira Pak last year, the company's HCV footprint has only gotten bigger.

Gilead Sciences has beaten Wall Street earnings estimates and boosted its full-year sales outlook in each of the first three quarters of 2015, and because safety concerns emerged for Viekira Pak in September.

Although Merck's new therapy could crimp some of Gilead Sciences' top line this year, Gilead Sciences has a history of successfully outmaneuvering competitors, and given that its shares are trading at less than 9 times 2016 EPS and its dividend could increase soon, it may be a good time to be a buyer.

2. Canadian National Railway Co. (NYSE:CNI)
Weakness in commodities such as coal, grain, and oil caused Canadian National Railway's gross-ton miles, which is basically a measure of volume carried, to fall 5% in the third quarter. However, that's one reason investors should take a hard look at the company, because it's easily the most efficient railway in the industry and still managed to record a best-ever 53.8% operating ratio.

During the third quarter, CN managed to increase its train productivity 2%, decreased its terminal dwell by 11%, and improved its car velocity by 10%, all compared with the third quarter of 2014. CN is a well-oiled machine when it comes to operating efficiently, and while railroads in general generate a lot of cash, CN continues to be an industry leader in printing money.

Lastly, CN offers investors a fine-tuned business that's protected by its cost advantages driven by its previously mentioned efficiency. Sure, the trucking industry, ships, and even aircraft can haul freight, but rarely can those options match the low-cost railroad.

While the global recovery seems a bit rocky to start off the new year, smart money will find its way to companies similar to CN, which provide a cost advantage, print money, and boast improving operations in the face of challenges such as weaker shipping volume. On top of all that, CN dished out a 25% dividend increase in 2015 and has a history of consistent dividend raises.


3. Enterprise Products Partners (NYSE:EPD)

With a distribution yield of 6%, Enterprise Products Partners (NYSE:EPD) certainly has an eye-catching yield. While normally a yield that high would be a sign of trouble, that's not the case with Enterprise Products Partners. In fact, the company recently announced plans to steadily increase its distribution over the course of 2016, leading to a 5.2% increase over what it paid investors last year.

The company has the ability to grow its payout in the currently tumultuous market because it has five key ingredients that largely insulate it from the troubles that have befallen some of its peers:

Its cash flow is largely supported by fee-based assets, with more than 85% of its gross margin locked in by fees.
It has $6 billion of new projects that begin commercial operations in 2016, driving cash-flow growth.
The company boasts an investment-grade credit rating that's one of the highest credit ratings among MLPs.
Unlike most MLPs it doesn't pay out the bulk of its distributable cash flow, with its coverage ratio averaging 1.4 over the past few years.
It uses that retained cash flow to reduce the amount of debt and equity it needs to fund its capital projects, which reduces its reliance on the fickle capital market.

These five factors combine to make Enterprise Products Partners one of the strongest MLPs. With a rock-solid distribution that's expected to continue growing in 2016, it's a great income stock to buy this month.

4. Coca-Cola (NYSE:KO)
The soft-drinks giant has proved its ability to deliver consistently growing dividends through good and bad economic times, Coca-Cola has increased its dividend every year over the past 53, including a generous 8% dividend boost for 2015. Coca-Cola stock is paying a respectable 3.1% yield at current prices.

This extraordinary track record of dividend growth is based on rock-solid competitive strengths. Coca-Cola owns an impressive portfolio of 20 different brands making over $1 billion each in global annual revenue. Marketing firepower and a gigantic global distribution network provide additional layers of competitive strength.

Soda consumption in developed markets is declining because of health considerations, and currency depreciation in emerging markets is hurting financial performance in those markets. However, Coca-Cola is finding promising growth venues in its portfolio of healthier drinks, including waters, sports drinks, juices, and teas. Since 2010, Coca-Cola's portfolio of still products has delivered a compounded annual growth rate of 5% per year.

Times are changing, but Coca-Cola has the competitive strength and financial resources to adapt to changing consumer demand. That means the company will most likely continue delivering growing dividends for investors for years to come.

5. Magellan Midstream Partners (NYSE:MMP).

One stock that looks like a compelling pick in January is refined petroleum product transporter Magellan Midstream Partners (NYSE:MMP). The past few months have been a pretty unsavory time to own master limited partnerships, as investors are pulling out of the sector because other companies in the space are looking a bit shaky in today's oil market. That environment has sent sent shares of Magellan down close to 20% over the past year.

However, most of the reasons so many other pipeline companies have sputtered don't really apply to Magellan. Its management team is one of the more conservative groups in the space, focusing more on the long-term viability of the business. Unlike others that are susceptible to declining oil and gas production, a majority of Magellan's assets are dedicated to the transport of refined petroleum products such as gasoline and diesel. These products are less likely to see volumes increase and decrease as drastically over time, so rarely does Magellan need to worry about declining volumes in its pipes and storage tanks.

Also, unlike many of its peers, Magellan's management has take a much more measured approach to how it grows both the business and its payout to unitholders. Based on the company's results over the past several quarters, it appears that the downturn in oil and gas prices isn't having much of an impact on the company's ability to generate cash.






Posted on: 2016/2/22 15:35
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8 ways to boost your home value
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8 ways to boost your home value


1: The Kitchen Is Still King

Buyers of all kinds have long focused on the kitchen, but it holds particular sway over the newest wave of first-time homeowners. A “modern/updated kitchen” topped the list of ideal home features in our survey of millennials, registering as most important to more than a third of respondents. If you plan to sell, don’t rip your kitchen down to the studs; a smaller investment can have serious impact. For as little as $5,000, you should be able to add a new suite of appliances, as well as a new countertop and flooring, resulting in a fresh, coordinated look. Applying a fresh coat of paint to the walls or cabinets, and updating the hardware, can also breath new life into the space.


Potential bump in sale price: 3 to 7 percent


2: Make Floor Plans Work Harder

Bigger isn’t necessarily better in today’s market, but strategically increasing the amount of living space is sure to boost home value. An “open floor plan with flexible living space” was second only to an updated kitchen on millennials’ list of most desired features.

Finishing a basement is the most common way to add usable square footage to a home. Most homeowners spend between about $10,000 and roughly $27,000 converting a basement, depending on the size of the spaces. Attic conversions are another option. The average attic remodel in 2014 cost $50,000.


Potential bump: 4 to 6 percent


3: Don’t Let Your Home Be an Energy Hog

Lowering your home’s energy costs will save you money for as long as you live there and is expected to be a major selling point down the line. Indeed, “energy-­efficient” was second only to “safe community” on the list of attributes that would most influence a purchase decision.


And don’t forget about water heating, which accounts for 16 percent of energy costs in the typical home. Spending $1,800 to $2,400 on a new unit is another way to impress efficiency-minded buyers.


High-efficiency windows. Energy Star certified windows can lower your home’s energy bills by 7 to 15 percent.

That will be a selling point with buyers, though replacing every window in a home costs anywhere from $8,000 to $24,000, so you probably won’t recoup the entire investment if you plan to sell right away.

LED lights. Choose the Feit Electric 60 Watt Replacement 9.5W LED, a $7 bulb that delivers superb light quality and has a 23-year life expectancy.

Potential bump: 1 to 3 percent


4: Keep It Simple and Stress-Free

Stain-prone stone countertops, grime-­collecting ornate cabinets, and dust-­catching wall-to-wall carpet used to be symbols of luxury, but today’s homebuyers are more likely to equate them with extra work.

Beyond a home’s cosmetic finishes, it’s important to keep the major mechanical systems in working order. Many first-time buyers will have used up much of their savings on the down payment, so they want to know that the heating system, plumbing, and electricity have been recently updated. Central air conditioning is also in demand because it eliminates the need to switch window units in and out.

New roof. This will help assuage fears of water damage, ice dams, squirrel infestation, and other home disasters that can result from an old, shoddy roof. For a typical 2,300-square-foot house, you might be able to put on a new asphalt shingle roof for as little as $6,000.

Hardwood floors. More carpets are being replaced with long-wearing hardwood flooring with a durable factory finish. Engineered wood flooring, which uses a thin veneer of real wood or bamboo over structural plywood, tends not to wear as well as the solid stuff, though it has the same look and tends to cost less, making it a good choice if you plan to sell soon.

Potential bump: 3 to 5 percent


5: Build a Home for ‘the Ages’

By 2040, there are expected to be almost 80 million seniors accounting for 21 percent of the population. The existing housing stock isn’t equipped to safely accommodate that many older people—too many steep staircases, narrow walker-­unfriendly doorways, and slippery step-in bathtubs and showers. Forward-thinking homeowners are making necessary improvements to their home now—and those changes will benefit people of all ages, not just seniors.
Walk-in shower. Curbless showers eliminate the threshold between the shower and surrounding bathroom, making them wheelchair accessible, not to mention sleek and streamlined.

Master on main. A floor plan in which the master bedroom is on the first floor reduces the need to climb stairs.Creating a truly functional master-on-main suite usually involves a multiroom renovation, which can cost upward of $35,000.

Comfort-height toilets. These toilets are a few inches taller, which makes getting on and off easier. Most top flushers in our tests are comfort height, including the Glacier Bay N2428E two-piece toilet.

Potential bump: 1 to 2 percent


6: Paint Is Still a Potent Upgrade

Paint keeps your home looking its best while also defending its surfaces from wear, tear, and the elements. If you’re getting ready to sell, don’t blow thousands having every square inch repainted. Instead, focus on high-traffic areas, including the kitchen and bathrooms.

Neutral color scheme. Whites and off-whites remain the top-selling interior colors and will appeal to most home buyers, allowing them to envision the space as their own.

Potential bump: 1 to 2 percent

7: Remember the Great Outdoors

Your home’s property is another opportunity to expand its living space. Adding a deck or patio, with room for seating and a built-in or freestanding grill, is a way to create a defined space for outdoor living on a large or small scale.


Curb appeal. Trimming overgrown shrubs and making minor repairs to the façade, including painting the front door, can deliver quick results. Replacing worn-out siding is a major undertaking, costing $12,000 on average, but it can give your home a complete facelift.

Water-smart yard. Replacing a section of turfgrass with native ground covers or pea gravel will reduce the maintenance costs while adding visual interest.

Potential bump: 3 to 5 percent


8: Make Sure Your New Technology Is Smart

High-tech features offer notoriously bad returns on investment because technologies tend to evolve quickly.

But certain smart devices add to home value and interest, including programmable thermostats.


Whole-house generator. Power failures are a reality for more homeowners. Stationary generators can usually power the entire property.



Posted on: 2016/2/3 21:25
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The smartest way to use your Powerball winnings
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The smartest way to use your Powerball winnings

Those who stumble into large sums of money — whether through the lottery or an inheritance — should first pay off debt, like student loans and credit cards, and then place a significant chunk of money in federally insured bank accounts for emergencies or future plans.

To pad his/her 401(k), given that increasing the principal would mean less dependence on returns. In turn, that would mean the people could opt for very low-risk investments. People also created two 529 college savings plans for his/her grandchildren, toddlers who will one day be able to use that money to fund a portion of their tuition. And then kept the remainder for vacations and other recreational spending.


Posted on: 2016/1/19 18:09
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