ResidentialBusiness

The deal is composed of 11,547 seasoned performing and reperforming loans that are first and second lien. Loan servicing includes a 180-day chargeoff feature. View the full article

If you're out and about with your laptop, or just in a different room than your charging cable, you want to eke out as much time as possible before the next recharge—and an important part of that is knowing which apps are draining the battery the quickest. Once you know who the worst offenders are as far as battery drain is concerned, you can do something about it. Maybe you can use the programs in question less often, enable any battery-saving features (if they're available), or uninstall them altogether and switch to less power-hungry alternatives. Take Google Chrome, for instance—not a program known for its light touch on system resources. If you find it's putting a lot of stress on your battery, you can turn on the Energy Saver feature, or perhaps just be more careful about how many tabs you've got open at any one time. Here's how to track down the apps using most battery life on Windows and macOS. Tracking apps on WindowsLoad up the Settings screen from the Start menu, then choose System and Power & Battery. If you click Battery Usage, you'll see how your laptop battery level has dropped over the last 24 hours or the last seven days (open the drop-down menu on the right to switch between the two time periods). Underneath the main graph, you should see a list of the programs that have been responsible for the battery drain over the last day or the last week, with the biggest battery hogs listed at the top. If you can't immediately see an app you want to check up on, scroll down the list or use the search box just above the list. If an app doesn't show up, then it hasn't affected the battery level for the chosen time period. Windows will list apps by battery usage. Credit: Lifehacker The drop-down menu under Sort by lets you order the apps by name rather than by battery usage. You can also choose to see programs based on how much battery life they've used up while in use, while running in the background, or both together (which is probably the most useful metric). With certain apps, you can click the three dots next to them and choose Manage background activity to reduce the demands they place on the battery when they're not being used. This feature is mostly available with native Windows applications, including Notepad and Paint, and will take you to the settings for that app. Tracking apps on macOSOver on macOS, you can start your investigations by clicking on the battery icon on the menu bar up in the top right corner of the screen. This will tell you which of the apps that you currently have open are "using significant energy"—so you're most likely going to see your web browser or your video editing software here. Click Battery Settings from the same pop-out dialog and you can see how your MacBook's battery has drained over the last 24 hours or the last 10 days (use the tab switcher just above to change between these two views). You can also turn on Low Power Mode and other battery options (like dimming the screen when on battery power). Head to Activity Monitor on macOS to check battery usage. Credit: Lifehacker What you can't do from this screen is see any more about which apps are using up battery—there's no simple list as there is on Windows. Instead, load up Activity Monitor from Spotlight or the Utilities folder in Finder, then switch to the Energy tab: You get to see which apps are currently using up most battery life, and which have been the most demanding in terms of energy use over the last 12 hours. To limit which apps can run in the background as well as in the foreground on your MacBook—which again can affect battery life—you need to go back to System Settings (via the Apple menu). Open the General tab, then click Login Items & Extensions, and you've got a series of permission toggle switches for all the installed programs that have requested to run in the background. View the full article

The old Tesla can’t come to the phone right now. Why? Oh, ‘cause she’s dead. Over the past few days, a new trend has emerged on TikTok: people are posting their Tesla trade-ins accompanied by the hashtag “ByeTesla” and soundtracked to Taylor Swift’s “Look What You Made Me Do.” In the videos, the Tesla driver backs out of a driveway as the lyrics play: “I’m sorry, the old Taylor can’t come to the phone right now. Why? Oh, ’cause she’s dead.” Cut to a brand-new Rivian R1S, Porsche Macan Electric, or even a GMC Hummer EV SUV as the song’s chorus plays: “Look what you made me do.” “The best upgrade I’ve seen in this trend,” one person commented on the video posted by the proud owner of a new Porsche Macan Electric, which retails for $75,300. “Talking about an upgrade!!! To go from that cheap built plastic toy car to German engineering is quite the change!! Enjoy!” Another user wrote: “Never skip a Tesla trade-in video.” The new GMC Hummer EV SUV driver—which starts at about $98,845, compared to the Cybertruck’s starting price of about $99,990—wrote in the caption of their trade-in: “Change is GOOD—when your principles/morals are important.” While some called out the car’s depreciating value (the driver confirmed in the comments that it’s a lease), others cheered on his commitment to his morals. “I never thought I’d be cheering for a Hummer purchase, but I have to say ethics make it look great!” one person wrote. “I’ve been saying this whole time imagine having cybertruck money and buying a cybertruck instead of the electric hummer. Approved,” another commented. Those participating in the #ByeTesla trend are part of a growing number of consumers who bought Tesla vehicles before Musk took over the Department of Government Efficiency, or DOGE, and are now looking to sell or trade them in. Others have resorted to anti-Musk bumper stickers to distance themselves from the billionaire. Thousands of anti-Tesla protesters took to the streets on Saturday, March 29, as part of the broader peaceful protest movement, Tesla Takedown, targeting Tesla dealerships and vehicles in opposition to Musk’s role as the head of DOGE. Hoping to hit him where it hurts—his estimated $340 billion fortune—the biggest portion of Musk’s wealth consists of his stock in the electric vehicle company. Musk, however, did not appear concerned about an extended slump in new sales during a recent meeting. Instead, he reassured workers that the company’s Model Y would remain “the best-selling car on Earth again this year.” He also predicted that Tesla will have sold more than 10 million cars worldwide by next year, up from the seven million currently sold. Clearly, he is not taking cues from TikTok. View the full article

Judges ruled that Atlantic Trust and District Lending continuing to send loans to UWM after the controversial amendment equates to accepting the ultimatum. View the full article

We may earn a commission from links on this page. Garmin announced a new fitness watch today, the Vivoactive 6. Its predecessor, the Vivoactive 5, is my pick for the best smartwatch to replace a Fitbit (beating out the Pixel Watch 3), and, if you ask me, it's the most underrated device in the Garmin lineup. The Vivoactive 6 is poised to be even better, adding a few new features, including a "smart wake" alarm and on-watch coaching for walking and strength training. The Vivoactive 6 will be available for preorder on April 4, with a suggested retail price of $299.99, the same initial price as the Vivoactive 5. (If you’re looking to save money by going with the older model, the Vivoactive 5 is currently on sale for around $219—an excellent deal on what is still a great fitness watch.) What kind of watch is the Vivoactive 6?The Vivoactive 6, like the 5 before it, is best described as a fitness watch. It’s not as sport-specific as something like a Forerunner, which is made specifically for runners, or an Instinct, which is made for people who are out hiking in the woods all the time. The Vivoactive 6 is more of a modern, everyday watch, with an AMOLED (smartphone-like) touchscreen and a lightweight plastic body that strikes a middle ground between sporty and fashionable. It measures 42 millimeters diagonally, which is on the smaller side for smartwatches. It’s roughly the same size as the Venu 3S and the Forerunner 265S, which are the smaller versions of their respective lines. In addition to the touchscreen, the Vivoactive 6 still has two buttons, so you’re not dependent on the touchscreen during activities. (This is a major plus for any fitness or sports watch.) It’s definitely more fitness-focused than a true smartwatch (like an Apple Watch), with its built-in fitness features available just a swipe or button press away from the home screen. What’s new on the Vivoactive 6? The size, shape, and general specs of the Vivoactive 6 are very similar to the Vivoactive 5. Colors have been slightly updated: there are still black and white models, but lavender and navy are out and peach and olive green are in. The new Vivoactive 6 has 8 GB of storage, double what the Vivoactive 5 had. It also has a gyroscope, the better to detect movement. Beyond those changes, there are a few really excellent features that are entirely new to the Vivoactive 6. Here’s a tour. Smart wake alarmInstead of just setting a time you’d like to wake up, the new smart wake alarm feature will let you set a window of time, and the watch will look for “lighter sleep stages” during that window to wake you with a vibration. (The manual for the Vivoactive 6 is not online yet, but that’s how it was described in a press release.) Daily suggested workouts for walkingGarmin’s running watches have long offered “daily suggested workouts” (DSW, we Garmin-heads call them) for running and cycling. The Vivoactive 5 didn’t have any DSW, and the Vivoactive 6 still doesn’t have them for running or cycling—but it does have DSW for walking. Coached running and strength programsThe Vivoactive 6, unlike the 5, gives you access to Garmin Run Coach and Garmin Strength Coach. The running coach is similar to the DSW for running, but they’re viewable on your phone. (I have thoughts on Garmin’s run coaching.) From my experience with the Forerunner watches, you cannot use both a run coach and a strength coach at the same time. The Vivoactive 5 only had run coaching through the “expert” plans (where you choose Coach Amy, Coach Greg, or Coach Jeff). The Vivoactive 6 still has those too. Improved navigationThe Vivoactive 6 can navigate with Beidou and QZSS networks, in addition to the usual GPS/GLONASS/GALILEO. Red shift modeIf you need to use your watch in low-light environments, you can shift the display to a dim red-on-black mode to give your eyes a rest. More activity modesThe new activity modes include (this is not a full list) mobility, track run, trail run, obstacle running, horseback riding, golf, mountaineering, disc golf, archery, gravel biking, cyclocross, kayaking, surfing, snorkeling, motorcycling, ATVing, snowmobiling, ice skating, and inline skating. View the full article

Case involving murder of Brain Thompson has unleashed fraught debates over country’s for-profit healthcareView the full article

2024 was a record year, but not in the way businesses hoped for. Employee engagement plummeted to its lowest point in a decade, with just 31% of employees describing themselves as engaged. Even more concerning is the fact that employers saw record levels of actively disengaged employees, with 17% of employees saying they’ve completely checked The post Want high team engagement and increased profitability? Try customizable goals and alerts. appeared first on RescueTime Blog. View the full article

Google has pushed out a shiny new AI model in the form of Gemini 2.5 Pro, albeit with an experimental label next to it—and it's available for free, so you don't need to subscribe to Gemini Advanced to get it. As with many recent AI model releases, the "reasoning" capabilities of the model are said to be the biggest upgrade here. In artificial intelligence terms, reasoning means answers that are more thoroughly worked through. That should produce fewer mistakes, more logical responses, and a better appreciation of "context and nuance" according to Google. This capability for extra "thought" will now come as standard in future Google models. The Pro (Experimental) release is the first variant of Gemini 2.5 to show up, and while the original blog post didn't mention free users, less than a week later we've got an update saying it's available for everyone—with rate limits applied if you're not a Gemini Advanced subscriber (Google hasn't specified what those rate limits are). The new model is available now through the desktop app, and coming soon to mobile. Gemini 2.5 Pro hits new levels in a variety of AI benchmarks. Credit: Google Google points to several benchmark tests that show the prowess of Gemini 2.5 Pro. At the time of writing it tops the LMArena leaderboard, where users give ratings on responses from dozens of AI chatbots. It also scores 18.8 percent on the Humanity's Last Exam test—which measures human knowledge and reasoning—narrowly edging out rival models from OpenAI and Anthropic. Also of note: the large context window. In simple terms, this is an indicator of how much data the AI model can churn through in one go, and Gemini 2.5 Pro has a context window of one million tokens, with two million "coming soon" according to Google. That compares to a context window of, for example, 200,000 tokens for ChatGPT's o3-mini reasoning model. As tends to be the norm with these AI announcements, there's no mention of copyright infringement as far as training data goes, or increasing energy use. According to MIT researchers, modern-day AI models use a "staggering" amount of electricity and water, and have put us on an "unsustainable path" that needs to change direction quickly. Putting Gemini 2.5 Pro to the testIt can be tricky to quantify improvements from one AI model to the next, which is why benchmarks like LMArena are useful. I lack the expert scientific or programming knowledge needed to really put Gemini 2.5 Pro to the test—though as with the previous model, I was able to create some simple web apps (like an online timer) in minutes. I do know a bit about Charles Dickens' Bleak House, so I set Gemini 2.5 Pro to work on the text. It gave me an accurate summary of the plot, and a clever assessment of the different narrative devices used (which would've really helped me in my study days). It also converted the book into a reasonably well done three-act structure for a movie—evidence of it holding a lot in its "mind" at once. The older Gemini 2.0 Flash was able to answer the same Bleak House prompts accurately too, but the responses from Gemini 2.5 Pro were longer, more detailed, less generic, and smarter—evidence of that extra "reasoning" being put to work. The Gemini 2.0 Flash model also had to split the movie adaptation into three responses, perhaps due to the sheer amount of text it was trying to process. Google has provided its own example of the capabilities of Gemini 2.5 Pro, showing how a simple endless runner game can be produced from a single prompt. While the demo video showing the code output is sped up, the game does appear to work and be pretty well-designed, which is an impressive end result from a single natural language prompt. There's also a neat web demo of digital fish swimming around. Elsewhere on the web, the new AI model is being extensively tested. Software engineer and independent AI researcher Simon Willison ran several tests covering image creation, audio transcription, and code generation, and came away very much liking what Gemini 2.5 Pro had been able to come up with. The frenetic pace of AI development shows no signs of slowing down anytime soon, and we can expect more Gemini 2.5 models to appear in the near future. "As always, we welcome feedback so we can continue to improve Gemini's impressive new abilities at a rapid pace, all with the goal of making our AI more helpful," says Koray Kavukcuoglu, from Google's DeepMind AI lab. View the full article

Policymakers in Beijing believe they will benefit from the destruction of America’s global credibilityView the full article

Sir Keir Starmer may have to make concessions on Britain’s digital services tax and agricultureView the full article

The average website seems to have more ads than content. There's the banner at the top, the square in the sidebar, and in most cases, a few auto-playing video ads thrown in for good measure. Ad blockers can help clean things up, but experts say that installing an ad blocker does more than make the internet less cluttered: They can also help you stay safe online. Ad blockers can protect you from scamsIn a perfect world, outright scammers and cybercriminals would not be able to buy ads from massively profitable search engines. However, we do not live in a perfect world. "Criminals have started buying ad space," said Kim Key, senior security analyst for our sister site PCMag who has written an extensively researched list of the best ad blockers. "That means that some ads may infect your device with malware when you interact with them, or may contain links to malicious websites." A version of this is ads designed to mimic legitimate companies in search results, a problem common enough that in 2022, the FBI put out a statement recommending the use of ad blockers. "Cyber criminals purchase advertisements that appear within internet search results using a domain that is similar to an actual business or service," the statement said. "When a user searches for that business or service, these advertisements appear at the very top of search results with minimum distinction between an advertisement and an actual search result." The report mentions that not all ads are scams (good?) but that installing an ad blocker is one way to protect yourself from being sucked into these scams in the first place. (Some) ad blockers can protect your privacyI don't think I need to tell you that online advertising is invasive—we've all noticed ads following us around the internet. Spend time researching shoes on Amazon and ads about the shoes you've looked at will pop up everywhere you go. It can feel creepy. Ad blockers can protect you from this, but there's a caveat: Some ad blockers prevent you from seeing ads without blocking the tracking. "If your ad blocker doesn't block trackers, but just blocks ads, it doesn't protect your privacy," said William Budington, a senior staff technologist on the Electronic Frontier Foundation's (EFF) Public Interest Team. Janet Vertesi, associate professor of sociology at Princeton University who publishes extensive work on human computer interaction, told me this is a reason she herself doesn't use an ad blocker. "Some ad blockers make you think you have privacy because you're not seeing ads, but you don't know if the sites are taking your data," she said. Having said that, there are options out there specifically built to block tracking. Privacy Badger, built by the EFF, wasn't made to block ads—only tracking—but Budington told me it ends up blocking most ads anyway. "The reason why there's such conflation of ad blockers and tracker blockers is that the vast majority of ads online are also trackers," he said. Vertesi told me that this distinction—blocking tracking versus blocking ads—might be behind Google's recent ad blocker changes in Chrome. "What made uBlock Origin such a great ad blocker is it was blocking both coming out and going in," she said. "Chrome is a Google Product. Google is in the data-gathering business. Of course they don't want you to use uBlock Origin." Which is all to say: Ad blockers can protect your privacy, but only if you're using the right one. Drawbacks to using ad blockersHaving said all that, there are reasons you might not want to use an ad blocker. Supporting the things you read, for one thing. "Some content creators rely on ads for revenue, so as a supporter, you may not always want to block all of the ads," Key said. "I recommend trying an extension like Adblock Plus in this instance, because it allows you to allow some ads while blocking others." And some ad blockers themselves introduce privacy problems. "I recommend reading the ad-blocking extension's privacy policy before installing it," Key said. "Make sure you know what types of data the ad blocker collects from your browser, and how the company plans to store and use your personal information." There's also an argument to be made that using an ad blocker makes it hard to notice when you're being tracked. "I don't use an ad blocker because I am monitoring what they think they know about me," Vertesi said. "They're like the canary in the coal mine. I want to see those shoes following me around the internet—I need to know if my guard was let down." View the full article

The climate activist group Just Stop Oil (JSO) has announced the end of its campaign of direct action. Many will read the group’s legacy through the lens of public hostility: the frustration caused, the angry headlines, the outrage at its tactics. Not only have JSO activists been spat at, physically assaulted and run over by angry car drivers, but 15 members are also currently serving jail sentences following arrests and charges. But the intense backlash directed at JSO is not evidence that its campaign faltered. It is a sign that these activists succeeded in emotionally charging the public debate about climate change. They gave the public something to argue about, react to, even mock—and in doing so, made the climate crisis impossible to ignore. The alternative, an apathetic consensus, would entail passively accepting the dominant approach to address the climate crisis. That means market-based solutions, a faith in technological innovation, and incremental policy reforms within existing political and economic systems. These have arguably to date failed, as global temperatures continue to skyrocket. Through my own research on climate activism, I have studied how environmental protest influences policy, corporate behaviour and financial markets. Activists can stimulate change, but not through rational arguments alone. Change happens by making an emotional splash. It creates antagonism, dissent and tension, which are all needed to enliven public debate. Emotions including anger, fear and guilt play a key role in the ability of activists to create moral urgency and force issues into the spotlight. JSO harnessed this emotional logic not only from supporters, but from critics. Those who dragged protesters off roads, raged in comment sections and professed their hate towards the group were reacting because the group had emotionally triggered them. Like a person who gets under your skin, JSO became very hard to ignore. As business scholars Thomas Davenport and John Beck argue in their book The Attention Economy, in a saturated information landscape, being memorable—even disruptively—is a strategic advantage. In this sense, JSO “hacked” this logic by demanding emotional and cognitive attention, whether through support or outrage. Disruptive protests may be unpopular, but they are effective at attracting media attention and public awareness. As many studies suggest, the more illogical or disruptive a protest, the more media coverage it receives—despite coverage not necessarily translating into more donations and support. Of course, disruption risks alienating some people—but that can actually strengthen a movement’s overall influence. The “radical flank effect” shows that when radical activists push boundaries, they often make moderate voices in the same movement appear more reasonable. Recent research on JSO found that even when the group provoked public anger, support for moderate organisations such as Friends of the Earth increased. This dynamic reflects what sociologist Thomas Roulet calls The Power of Being Divisive. Being controversial can actually benefit a cause by amplifying its message and deepening support from those already aligned. Polarisation, in this view, is not always harmful—it can be strategically useful. In the case of JSO activists, controversy did not dilute their message. Rather, it intensified its resonance with those already primed to act. Turning emotion into action JSO has also uniquely been able to provide direction for many struggling to navigate climate change’s volatile emotional context. As philosopher Glenn A. Albrecht describes in his book Earth Emotions, events such as climate change, mass species extinction and environmental degradation are creating a global emotional crisis, marked by a mix of grief, anxiety and powerlessness. JSO has effectively tapped into this emotional turbulence, turning despair into urgency and action. Its actions can be seen as emotional interventions for a society struggling to process ecological loss. Left undirected, emotions related to conditions such as climate change-related “eco-anxiety” can lead to paralysis—a state of emotional overwhelm that prevents people from taking meaningful action or engaging with the climate problem. But research shows that when movements channel emotions—especially by transforming fear into shared action—they build momentum. One study of climate organisers found that protest participation gave people a way to manage despair by reclaiming a sense of purpose and solidarity. A frequent refrain is that the objectives are valid, but the strategies are too extreme. But history shows that disruptive tactics have long played a role in forcing attention to urgent issues. From the suffragettes chaining themselves to railings, to civil rights sit-ins, to ACT UP’s dramatic interventions during the Aids crisis — disruption has often preceded progress. Movements that are easy to ignore tend to be forgotten. JSO made itself, and its cause, impossible to ignore. JSO’s campaign may be over, but the emotional legacy it leaves behind—frustration, urgency and debate—will outlast its tactics. The group exposed a society uneasy with the scale of change climate action demands, and showed that public anger is not a threat to activism, but a measure of its impact. If you were angry at them, that’s understandable—disruption is inconvenient. But the real question now is where we direct that energy: towards those resisting climate action, or those demanding we seriously do something about it. George Ferns is a senior lecturer in business and society at the University of Bath. This article is republished from The Conversation under a Creative Commons license. Read the original article. View the full article

The global asset manager wanted access to the smaller company's residential mortgage credit strategies, which will become available to a larger investor base. View the full article

Inventories rise to highest level since 2022 as producers stockpile goods View the full article

Watchdog acts after finding 15 manufacturers co-ordinated their positions on vehicle recyclingView the full article

When you use the internet on your laptop, tablet, or phone, your browser stores information about the sites you visit and how you engage with them to improve loading speed and personalize your browsing. Caching is one of these processes. Here's how it works and why you should consider clearing it regularly. What exactly is a browser cache?Your browser cache is a temporary storage area for elements of websites you visit, like images, fonts, and code. When you first visit a website, your browser downloads and stores that data locally to load the next time you navigate back to that site. When you come back, your browser first checks the cache for an existing page version, but if the website has been updated since your last visit, it will download and cache whatever new information it discovers as missing or outdated. Websites can also set expiration dates for cached files, forcing your browser to download the latest version and update the cache. The primary benefit of caching is faster loading, as your browser won't have to wait for page data to be found and re-downloaded each time you open it. Caching differs from cookies, which are small bits of information created by sites you visit that your browser saves to personalize your experience, such as your logins, site preferences, or shopping cart items. The cache is also different from your browser history, which is simply a record of all the sites you've visited and when you visited them. All of this data is stored locally on your device, though. Why you should clear your browser cache (and when to do it)Caching enhances your overall browsing experience, as you don't have to wait for every page element to be retrieved and downloaded each time you open a site you visit often. That said, occasionally clearing your cache can be useful for fixing loading or formatting errors that occur when old files remain stored. Of course, browsing speed may slow down temporarily, though, as your cache has to save new information for each site. Browser caching also comes with a handful of privacy and security considerations. Hackers can use cached data to spread malware or direct users to fake websites—attacks known as cache poisoning and DNS spoofing. Your cache can also expose your browsing information to anyone accessing your device, whether a household member or someone who steals or confiscates your computer or phone. Jacob Hoffman-Andrews, a senior staff technologist at the Electronic Frontier Foundation, recommends that users concerned about keeping their browsing data private should use device encryption so anyone with physical access to their device can't get in. You can also clear cache if you've been browsing sensitive material or utilize Incognito Mode, which prevents your browser from saving information (including cookies and history) in the first place, at least on your device. "Deleting browsing data only affects what's on your device," Hoffman-Andrews says. "Your ISP or government may be keeping records of what sites you visit. The sites themselves may be keeping records of which specific pages you visited." Most browsers let you clear cache, cookies, and browser history altogether. Still, if you want a more private browser that protects against snoops tracking your data and internet history, your best place to start is by reevaluating what browser you use. View the full article

From the southwestern U.S. to Minnesota, Iowa and even parts of New Jersey, it seemed that winter never materialized. Many communities marked their driest winters on record, snowpack was nearly nonexistent in some spots, and vegetation remains tinder dry—all ingredients for elevated wildfire risks. More than 1,000 firefighters and fire managers recently participated in an annual wildfire academy in Arizona, where training covered everything from air operations to cutting back brush with chain saws and building fire lines. Academy officials say there’s consensus that crews will be busy as forecasts call for more warm and dry weather, particularly for the Southwest. The lack of moisture and warm temperatures can combine to increase the rate of spread and intensity of fire, said Roy Hall, the prescribed fire officer for the Arizona Department of Forestry and Fire Management. He says it’s been dry in his state for months. “We would be remiss to not acknowledge that changes how we might see fire behavior come out of the blocks at the beginning and through fire season,” he said. How dry has it been? Experts with NOAA’s National Centers for Environmental Information reported in early March that total winter precipitation in the U.S. was just shy of 6 inches (15.24 centimeters)—or nearly an inch (2.54 centimeters) below average. The period of December through the end of February—what forecasters consider the meteorological winter—ranked the third driest on record. Flagstaff, nestled in the mountains south of the Grand Canyon, has long been on the list of quick escapes for desert dwellers looking to build snowmen or go sledding. The northern Arizona city finished the winter period with a 50-inch (1.27 meter) snowfall deficit. A major storm hit the area in mid-March, forcing the closure of Interstate 40 and stranding motorists for hours. It wasn’t enough to erase the shortfall. In New Mexico, there were at least 17 sites that marked either their driest winters on record or tied previous records. Albuquerque set a new low by logging just 0.12 inches (0.30 centimeters) of precipitation over a three-month period. “The tap just turned off and the drought conditions have been proceeding,” Andrew Mangham, a senior hydrologist with the National Weather Service in Albuquerque, said during a recent call with state and federal drought experts. What does that mean for wildfire conditions? Arizona, New Mexico and parts the Midwest already have had their share this spring of red flag warnings—when low humidity couples with windy, warm weather to heighten wildfire risks. Those threats materialized in mid-March in Oklahoma, where fires destroyed hundreds of homes. Crews in New Jersey and the Carolinas also battled flames amid dry conditions. In the West, land managers and firefighting forces are concerned that without adequate snowpack in many mountain ranges, there’s less moisture to keep fires from ballooning into fast-moving conflagrations. April 1 typically marks the peak of the snowpack, but forecasters say many areas already are melting out. Strong spring winds that deposit dust onto the snowpack help to speed up the process. Even southern Alaska is experiencing a snow drought at lower elevations, according to the National Integrated Drought Information System. The Anchorage airport recorded its driest February on record, while large areas in southwest Alaska and low elevations in the south-central part were nearly snow-free as of March 1. Recent storms brought some moisture to California, pushing snowpack levels there to just shy of average. But most of the southern region is dealing with moderate to extreme drought. A new wildfire outlook will be released Tuesday. While California isn’t among those areas facing significant potential for wildfires at the moment, deadly fires in January torched more urban area than any other fire in that state since at least the mid-1980s. How are communities dealing with the threat? Seeing flames race through Los Angeles earlier this year prompted municipal leaders throughout the West to host community meetings to raise awareness, including in New Mexico’s San Juan County. The Four Corners region—where Arizona, New Mexico, Colorado, and Utah meet—is among those on the radar for high fire potential given the unfavorable conditions. Firefighters in San Juan County responded to 25 bushfires in the first 27 days of March and two more were reported on Friday, said county spokesperson Devin Neeley. In Arizona, the Phoenix Fire Department have warned the mayor and city councilors about increasing risks. They have a plan for surging department resources to help contain fires before they escalate, particularly in areas where urban development intersects with wildland environments. In neighboring Scottsdale, Mayor Lisa Borowsky recently floated the idea of creating a volunteer brigade to bolster wildfire prevention, pointing to invasive species and overgrown vegetation within the McDowell Sonoran Preserve that could pose risks. A fire department crew has been clearing and trimming brush along roadways. Christopher Reed, a fire prevention captain with the Arizona forestry department, said some people think of wildfire as a “macro problem” that involves vast landscapes beyond their suburban borders. He said people should prepare on a micro level, ensuring their own homes are defensible before it’s too late. “We always say Day 1 of firefighting is now,” Reed said. —Ty O’Neil and Susan Montoya Bryan, Associated Press View the full article

People who most frequently encounter everyday discrimination—those subtle snubs and slights of everyday life—are more likely to suffer from anxiety and depression. What’s more, that finding remains true no matter the person’s race, gender, age, education, income, weight, language, immigration status or where they live. These are the key takeaways from our recent study, published in JAMA Network Open. Everyday discrimination refers to the routine ways people are treated unfairly because of characteristics such as skin color, perceived background or general appearance. Generally, it means disrespectful treatment: waiting longer than others for help at a store, having your ideas dismissed without consideration at work, or hearing rude comments about your identity. Although marginalized groups endure everyday discrimination most often, our study indicates that this is a widespread issue affecting people of all races and backgrounds. I’m a professor who specializes in community health. My team and I analyzed data from the 2023 National Health Interview Survey, which included a weighted sample of nearly 30,000 U.S. adults, adjusted to accurately reflect more than 258 million people – approximately 75% of the country. Along with reporting frequency of everyday discrimination, participants completed clinical screenings for depression and anxiety. The results were striking: Nearly 56% of participants experienced at least occasional everyday discrimination, with 3.6% having “high levels,” meaning they faced discrimination most frequently – at least monthly and often weekly. High levels were most prevalent among Black adults, at 8.6%. Multiracial respondents were next with 6.4%. Hispanics and white participants were at about 3%, Asians just over 2%. Women and immigrants, people with disabilities and those who are overweight, obese or struggling with food insecurity also reported higher levels. When compared with those reporting no discrimination, participants with high levels had five times the odds of screening positive for either depression or anxiety, and nearly nine times the odds of screening positive for both. As discrimination increased, the increase in screening positive for depression, anxiety or both varied by race, with a more noticeable rise among groups that are often overlooked in these discussions—white, Asian and multiracial adults. This doesn’t mean discrimination is less harmful for Black, Hispanic/Latino or other racial and ethnic groups. One possible reason for our study’s findings may be that groups that have long endured structural discrimination may have developed more ways over time to cope with it. Why it matters At some point, all of us experience unfair treatment due to our personal traits. But this type of discrimination isn’t just unpleasant. Our study shows it has real consequences for health. Along with depression and anxiety, discrimination creates chronic stress, leading to increased risk for hypertension, heart disease, impaired brain functioning, accelerated aging and premature death. For some, everyday discrimination may emerge at different times in life. This can happen to people as they get older or when they become ill. But for others, it is a constant. This includes people living in marginalized communities, people of color, those socioeconomically disadvantaged or with disabilities, or those who identify as LGBTQ+. What other research is being done Multiracial people are uniquely challenged because they navigate multiple racial identities. This often leads to feelings of isolation, which increases mental health risks. White adults, though less frequently exposed to racial discrimination, still face mistreatment, particularly if they have lower incomes, limited education or working-class backgrounds. In recent years, white people have perceived rising levels of discrimination against their own group. People of Asian descent are vulnerable to societal pressures and harmful stereotypes, which spiked during the COVID-19 pandemic. When factors are combined – for example, adding financial insecurity or immigration status to racism – compounded health challenges arise. What’s next Understanding how discrimination affects health for all can lead to policies and programs targeting root causes of mental health disparities and the rising rates of depression and anxiety. Discrimination isn’t just a Black versus white issue. It’s a public health crisis affecting all Americans. Acknowledging its harmful health effects is a first step. Monica Wang is an associate professor of public health at Boston University. This article is republished from The Conversation, as a Research Brief (a short take on interesting academic work), under a Creative Commons license. Read the original article. View the full article

Sales of graphic novels have doubled over the past five years, to some parents’ dismay. But data shows these books can have a positive lifelong impact on young readers. View the full article

While scientists haven’t figured out how to un-plastic ourselves yet, you can dodge some of these sneaky invaders. View the full article

Policy uncertainty fuels surge in use of approved facilities that temporarily exempt businesses from paying leviesView the full article

As companies pull back on their diversity, equity, and inclusion programs, will their commitments to equal pay also waver? View the full article

When venturing out into the wilds of the modern web, many people now make use of a VPN, or a Virtual Private Network. These software packages have been around for decades as ways of securely connecting to private networks remotely, but the term is now more commonly used to refer to third-party VPN services that act as intermediaries between your devices and the internet at large. The idea behind VPNs is they keep you and your data safer while you're browsing, with a trade-off in terms of speed (though the best VPNs will aim to minimize the hit on download and upload transfer rates). If you're wondering what exactly a VPN is, how these services work, and whether or not you should be signed up for one, you'll find all of these questions and more answered below. Why use a VPN?Using a VPN is beneficial in terms of both security and privacy. VPNs create an encrypted tunnel between you and dedicated servers run by the VPN company. Your traffic is then sent down that tunnel, and your VPN service of choice then sends it on to websites or other servers. Traffic going in the other direction travels back in the same way. This tunnel offers several protections. It means it's a lot harder for people on the same wifi network as you at the local coffee shop or the hotel you're staying in to see what you're up to—so VPNs are often deployed by users when they're traveling and connecting to numerous public wifi networks. VPNs can let you pretend you're in places you're not. Credit: Lifehacker Connecting to a VPN also means your traffic is hidden from your internet service provider, or ISP. Your ISP can see you're connecting to the VPN, but nothing beyond that—so it's impossible for your ISP or any of its staff to snoop on you or keep logs. It also means ISPs are more limited in terms of what they can tell government agencies and law enforcement. Another reason for using VPNs is to conceal or spoof your location: Websites can only see the location of the VPN server you're using, not your actual location. That means they can't track your whereabouts as easily, and in the case of streaming services, might serve up different libraries of content depending on where your VPN server is (though streaming services are pretty wise to VPNs now, so this doesn't always work). How VPNs work—and their limitationsThat idea of an encrypted tunnel covers the basics of how VPNs work: You connect to a VPN server, then it connects to the web for you. When data comes back, it first goes to the VPN server, and then to your device. VPN providers will tell you how many servers they have and in how many countries—each time you connect to the VPN, you can typically choose which server to connect to, or have one assigned automatically. If you want to stay safe on a public wifi network, it's best to connect to a server in your country—it'll be faster. If you want to pretend you're in another country, or would like to stop websites and apps from knowing where you are, you can pick a server somewhere else. Some VPNs let you double-up servers for extra security. If you connect to a lot of wifi networks, VPNs can help keep you safe. Credit: Lifehacker It's important to recognize the limitations of how VPNs work, too. Your location aside, they aren't going to stop a lot of the tracking tech you'll find on the web, such as cookies—and of course if you log into your Amazon account, Amazon will know it's you. VPNs don't offer anonymity cloaks. In addition, you're essentially transferring your trust from your ISP to a VPN provider: Your ISP provider can't see your traffic, but your VPN service potentially can. What's more, VPNs are under the same legal obligations as ISPs when it comes to giving data to government and law enforcement agencies. With that in mind, it's important to pick a VPN you trust. How to choose a VPNAs noted above, VPNs aren't above the law, and can see the traffic they're ferrying for you. With that in mind, it's important to look for a VPN with an independently audited "no logs" policy—meaning none of your data is kept permanently. That means there's less information that can be exposed or handed over to the authorities, if they come knocking. It's a crucial part of choosing a VPN, so VPN providers will usually promote "no logs" policies quite prominently. Read the policies for ExpressVPN and NordVPN, for example: You'll see mention of independent auditors, technologies that scrub data automatically, and operations that are based in countries where data retention laws are less strict (which means VPNs aren't legally obliged to keep records on their users). See what VPN providers say about their data retention policies. Credit: Lifehacker There are lots of other criteria to use when weighing which VPN provider to go for. As previously mentioned, you can look for how many servers a provider offers, and where they're based. You can also check up on the promised speeds, as well as the basics of how much you're going to have to pay and what else you get included (maybe dark-web monitoring for data breaches, for example, or a bundled password manager). Make sure you check how many devices you can connect to the VPN service at any one time, as this will vary—and some VPNs may not even have apps for every platform. You can also look at what you get in terms of customer service and support if something goes wrong. And don't forget to consult reviews from trustworthy tech publications, too. How much VPNs costAs with most digital subscription decisions, cost is likely to be a big factor in your choice. Free VPNs are available, though they'll usually be cut-down versions of paid-for packages, with limitations on how many connections you can make and the speeds you're going to get in terms of uploads and downloads. Considering how important VPNs are, in terms of trusting them with your data, it's a good idea to avoid free ones if you can—at least if it's not clear how they're making their money. There are trustworthy free VPN packages around, and we've listed some of them here, but make sure you go for a well-known name with a long history. Check the deal length and bundled features when comparing VPN prices. Credit: Lifehacker If you are able to pay for a VPN, make sure you weigh everything you get with your subscription: the number of available servers, the number of compatible devices, the length of the deal you have to sign up for, the customer support on offer, the bonus software included. Comparing prices is tricky because each VPN provider offers different packages for your money. While subscription tiers and pricing are changing all the time—look out for introductory deals if you're just signing up—here are a few offers available at the time of writing to give you a general idea: ExpressVPN is $12.95 a month, NordVPN is $12.99 a month, ProtonVPN is $9.99 a month, and TunnelBear is $9.99 a month. As usual, you can get lower monthly pricing by signing up for a year or two, and varying tiers with varying features are available on these services. Should you use a VPN?There's no doubt that using a VPN on your phone or your laptop means your data is more secure and more private: The question is whether it's worth paying for another subscription. It certainly gives you extra peace of mind if you're on the go a lot, and often bouncing between different public wifi networks. For secure travel, and accessing services from abroad, VPNs are definitely appealing. Then there's the ISP issue: These big internet companies keep much more detailed records than most VPNs do. If you'd rather as little of your browsing activity was logged as possible, then a VPN might be the way to go (though again, this applies to activity logged by ISPs, and not necessarily advertising companies or websites). VPNs can offer extra peace of mind. Credit: Lifehacker You've also got the built-in protection for your location—your IP address—and the ability to spoof locations to some extent, which can be helpful if you're in a place with tightly regulated internet, or where your usual streaming services aren't available. Bear in mind, though, that as soon as you log into Google or Netflix, they know who you are and which country you live in anyway. VPN providers are usually falling over themselves to offer free trials or introductory offers, so there's no harm in signing up for a package and seeing how it suits you—and how much you actually use it. You could even sign up for a couple at a time and compare them in terms of online speeds and the quality of their apps. View the full article

Take a moment to list all the digital accounts you've signed up for, and it's probably more than you realized: email, social media, banking, streaming services, cloud storage, music, gaming, and fitness...it adds up. But using the same login credentials for every service is a bad idea, and if you reuse passwords across accounts, let me summarize the simplest advice you should take away from this article: You shouldn't. But, of course, it's nearly impossible to remember as many unique usernames and secure passwords as you need for your various accounts. That's where password managers come in. Password managers hide your various login credentials behind one main username and password so that logging into the password manager gives you access to everything else. It's a secure alternative to writing your passwords down or saving them in a spreadsheet, and more reliable than your memory. They can often store other data, too—think credit card numbers, PIN codes, and authenticator keys—and may also give you extra features like scanning data breaches for your credentials. If you've yet to switch to a password manager, consider this a sign to get started. It can be intimidating at first, but getting started may be easier than you think. Some of the most important password manager featuresPassword managers are all slightly different, but you'll find many of the same features across brands. First and foremost, they store your passwords—often popping up inside web browsers and on phones whenever you need to log into an account—and provide you with your login credentials with one click or tap. As sign-in technologies have evolved, though, so have password managers. Many can now also help with two-factor authentication codes and passkeys for websites or apps that need more than just a username and password. At the same time, these password managers are secured with a main username and password you need to remember—and often with biometric authentication, too. The best password managers work seamlessly across devices. Credit: NordPass Most password managers will also suggest strong passwords for new accounts: Passwords that mix up random special characters, letters, and numbers, so they're extremely difficult to hack. With a password manager, you don't actually need to know what your passwords are—the program handles everything. You'll often see password managers offer additional security features as well, ranging from notifying you of duplicate passwords, to dark web monitoring for your email addresses, usernames, or passwords. If your login details appear in a data breach, you get an alert about it, and you can change them. How password managers secure your dataYou might wonder how password managers make sure your passwords are securely and privately locked away. Details vary between software packages, but they'll invariably use end-to-end encryption, with your main password as the decryption key, meaning that means no one else—from hackers to password manager developers to government agencies—can access your details without that password. Additional security measures are often implemented as well. Take 1Password as an example: It uses PBKDF2 (Password-Based Key Derivation Function 2) key strengthening, which, in simple terms, means that passwords are obscure enough that it would take decades to crack. It also gives users a secret key, known only to them, that works as an extra security layer on top of your password. A host of encryption and other security layers are applied to your password vault. Credit: LastPass In other words, you can't just use your pet's name as your password manager password. Extra security layers, including two-factor authentication and biometric scans, are often added too. Where your credentials need to be synced across multiple devices, strong encryption protocols are again deployed. Without your password, the data is useless, and only you know your password. Most password managers now combine local and cloud storage options, because we all need our passwords on so many devices. However, it's worth bearing in mind that the fewer places you have your password manager installed, the less chance there is of someone else gaining access to it—so some users just keep their password manager on their phone. Why you should use a password managerSimply put, using a password manager is a whole lot more secure than other options, like listing them in a Google Doc. Say, for example, that you left your laptop unlocked and someone sat down at it. With a Google Doc, that person would be more likely to access your password document than they would a password manager where they would need extra security clearance. Apple and Google have their own password manager options. Credit: Lifehacker The free offerings from Google and Apple have improved significantly in recent years, but they still don't quite offer the level of protection, breadth of features, and cross-platform support of the best dedicated password managers. One example: In the case of Google Password Manager, on-device encryption (meaning that you manage the decryption key locally, as with a password manager, rather than Google managing it) remains an optional extra that you have to enable, rather than enabled by default. Given the protection and features that come with dedicated password managers, it's typically worth most people investing in one. Some software packages offer a free tier, but they may be limited in terms of the features you get and the number of devices you can use them on. You can expect to pay a few bucks per month for most apps, but you can also look for bundled deals that include VPNs and adblockers, for instance. Whatever brand or package you choose, though, you should begin using a password manager. You get a private password vault, a host of protections to keep it safe, and added features like data breach monitoring and strong password generators. Plus, the best password managers sync seamlessly across all of your devices, ready when you need them. View the full article

Financial regulator’s submission to Supreme Court comes at start of pivotal three-day hearingView the full article