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Time is ticking to file your taxes before April 15, 2025. If you've already do so, congrats! Now you can kick back and await that refund, right? Sure—but your relief will be short-lived. Once tax season rolls around next year, you'll again find yourself frantically searching for receipts, statements, and other documentation needed to file an accurate return. Instead of accepting the annual scramble, you can get ahead of the game by using a spreadsheet to track all your tax-related information throughout the year. And there's no better time to start than right now—when your tax knowledge is fresh as can be—to make your spreadsheet and start logging things away for next April. Make your own spreadsheet—or download this template I've created a basic template to get you started here. And I mean basic—this is for people who essentially just want to convert their Form 1040s into a spreadsheet, so all your yearly info is one accessible, editable location. I've included different tabs depending on what you want to track and just how thoroughly you want to track it. For instance, the first tab is a simple table that turns different lines on your Form 1040 into rows of data—making the information easily accessible from year to year. Another tab allows you to clearly list out your income and deductions throughout the year. I've even included a tab dedicated to home office expenses, if that applies to you. There might be some redundancies or glaring omissions based on your personal situation, so I urge you to take what I've given you and run wild with it. It's different strokes for different folks, and different spreadsheets for different...freaks. (It's a slant rhyme.) Basics to include on your tax spreadsheetYou can expand on the template above, or start from scratch—whatever allows you to get the most out this system. Give it a clear name like "2025 Tax Records" so you can easily reference it later. Remember, the goal is to have a single file where you can input and update information and keep everything centralized. To get started with a barebones tax tracking spreadsheet, create separate sections or tabs for different categories of tax information. At minimum, you'll want sections for: Income. This will track income from jobs, self-employment, investments, retirement distributions, etc. Deductions. List out anything you plan to itemize or claim as a deduction, such as mortgage interest, charitable giving, medical expenses, etc. Tax credits. Track estimated expenses that may qualify for a tax credit, like education costs, childcare, etc. Prior year tax documents. Keep a record of last year's tax return details and any carryover items. How to use your tax spreadsheetWithin each section, create rows and columns to track the details you need for tax time. For example, under Income you may want columns for: Date earned Income source/employer Amount earned Tax withholdings For deductions, you may have columns like: Date paid Expense category (medical, mortgage interest, charity, etc.) Amount Make updating your information a habitAs you earn income throughout the year, be diligent about entering the details into your income section right away, while it's all still fresh. Do the same with potential deductions as you incur those expenses. You can update your spreadsheet weekly, monthly, or whenever is convenient, as long as you stick to a routine. Keep digital copies of all your documentsAny time you receive tax documentation—like W2s, 1099s, donation receipts or mortgage interest statements— save digital copies and attach or link them within your spreadsheet file. This creates a handy archive of all your tax records in one spot. Using a spreadsheet to meticulously track your tax information throughout the year will save you the inevitable time and stress of having to reconstruct it all at the last minute. While staying organized requires diligence, that small effort goes a long way when tax season arrives. Your future self will appreciate having these detailed records ready to go. From the most thorough travel plans, to excruciatingly detailed journals, to elaborate to-do lists: If you have a goal, that goal needs a spreadsheet. View the full article

It is not hard to imagine that the US president and his deputy were spoiling for a fight with the Ukrainian leaderView the full article

The British prime minister believes he can still be a bridge between the Trump White House and Europe. But is this anything other than wishful thinking?View the full article

US president says Ukrainian leader is ‘gambling with world war three’View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. The Sonos brand is well known in the smart speaker and surround sound space. And very much like Apple, people will pay a premium price for their minimalistic, premium quality, and discounts are often hard to come by. But today, the Sonos Arc, which was Sono's flagship soundbar prior to the launch of the Sonos Arc Ultra, is $649, $250 off its usual $899 price. It's also a new low price for this model, according to price-tracking tools. Maximum Output Power: 110 Watts, Connectivity Technology: Wi-Fi, Audio Output Mode: Surround Mount. Sonos Arc Soundbar $649.00 at Amazon /images/amazon-prime.svg $899.00 Save $250.00 Get Deal Get Deal $649.00 at Amazon /images/amazon-prime.svg $899.00 Save $250.00 Maximum Output Power: 110 Watts, Connectivity Technology: Wi-Fi, Audio Output Mode: Surround Mount. Sonos Arc Soundbar $649.00 at Best Buy $899.00 Save $250.00 Get Deal Get Deal $649.00 at Best Buy $899.00 Save $250.00 SEE -1 MORE Sonos speakers are not for everyone, if only because you'll have to justify paying around two grand for a complete surround sound system when you can get a setup like the Samsung Q990C for about half the price. But audiophiles swear they can hear the difference, so the cost might be worth it to you. If you pick up this soundbar, you'll want to consider the Sonos 300 rear speakers and the Gen 4 subwoofer to go with it—they're the latest Sonos has to offer, though you can choose Eras 100 or an older or smaller subwoofer to lower the price tag. As for the Arc, it offers Dolby Atmos, providing immersive three-dimensional sound with height channels that simulate audio coming from above you (you can read the details in PCMag's "excellent" review). It offers enough of a low-end kick that you don't really need a subwoofer if you have a small space. If you already own other Sonos speakers, you can seamlessly connect them through the Sonos app to create a surround sound setup or a multi-room system. View the full article

The Globeville, Elyria-Swansea and Commerce City communities in metro Denver are choked by air pollution from nearby highways, an oil refinery and a Superfund site. While these neighborhoods have long suffered from air pollution, they’re not the only ones in Colorado. Now, Colorado is taking a major step to protect people from air pollutants that cause cancer or other major health problems, called “air toxics.” For the first time, the state is developing its own state-level air toxic health standards. In January 2025 as “priority” chemicals: benzene, ethylene oxide, formaldehyde, hexavalent chromium compounds and hydrogen sulfide. The state is in the process of setting health-based standards that will limit the amount of each chemical allowed in the air. Importantly, the standards will be designed to protect people exposed to the chemicals long term, such as those living near emission sources. Exposure to even low amounts of some chemicals, such as benzene, may lead to cancer. As a researcher studying chemical exposure and health, I measure and evaluate the impact of air pollution on people’s well-being. Colorado’s new regulations will draw on expert knowledge and community input to protect people’s health. Communities know what needs regulation In your own community, is there a highway that runs near your house or a factory with a bad odor? Maybe a gas station right around the corner? You likely already know many of the places that release air pollution near you. When state or local regulators work with community members to find out what air pollution sources communities are worried about, the partnership can lead to a system that better serves the public and reduces injustice. For example, partnerships between community advocates, scientists and regulators in heavily polluted and marginalized neighborhoods in New York and Boston have had big benefits. These partnerships resulted in both better scientific knowledge about how air pollution is connected to asthma and the placement of air monitors in neighborhoods impacted the most. In Colorado, the process to choose the five priority air toxics included consulting with multiple stakeholders. A technical working group provided input on which five chemicals should be prioritized from the larger list of 477 toxic air contaminants. The working group includes academics, members of nongovernmental organizations such as the Environmental Defense Fund – local government and regulated industries, such as the American Petroleum Institute. There were also opportunities for community participation during public meetings. At public hearings, community groups like GreenLatinos argued that air toxics because it can cause cancer. Additionally, formaldehyde is emitted in some Colorado communities that are predominantly people of color, according to advocates for those communities. These communities are already disproportionately impacted by high rates of respiratory disease and cancer. Other members of the community also weighed in. “One of my patients is a 16-year-old boy who tried to get a summer job working outside, but had to quit because air pollution made his asthma so bad that he could barely breathe,” wrote Logan Harper, a Denver-area family physician and advocate for Healthy Air and Water Colorado. How is air quality protected? At the national level, the Clean Air Act requires that six common air pollutants, such as ozone and carbon monoxide, are kept below specific levels. The act also regulates 188 hazardous air pollutants. Individual states are free to develop their own regulations, and several, including California and Minnesota, already have. States can set standards that are more health-protective than those in place nationally. Four of the five chemicals prioritized by Colorado are regulated federally. The fifth chemical, hydrogen sulfide, is not included on the U.S. Environmental Protection Agency’s hazardous air pollutant list, but Colorado has decided to regulate it as an air toxic. State-level regulation is important because states can focus on air toxics specific to their state to make sure that the communities most exposed to air pollution are protected. One way to do this is to place air pollution monitors in the communities experiencing the worst air pollution. For example, Colorado is placing six new air quality monitors in locations around the state to measure concentrations of the five priority air toxics. It will also use an existing monitor in Grand Junction to measure air toxics. Two of the new monitors, located in Commerce City and La Salle, began operating in January 2024. The remainder will start monitoring the air by July 2025. When Colorado chose the sites, it prioritized communities that are overly impacted by social and environmental hazards. To do this, officials used indexes like the Colorado EnviroScreen, which combines information about pollution, health and economic factors to identify communities that are overly burdened by hazards. The Commerce City monitor is located in Adams City, a neighborhood that has some of the worst pollution in the state. The site has air toxics emissions that are worse than 95% of communities in Colorado. Air toxics and health The five air toxics that Colorado selected all have negative impacts on health. Four are known to cause cancer. Benzene, perhaps the most well known because of its ability to cause blood cancer, is one. But it also has a number of other health impacts, including dampening the ability of the immune system and impacting the reproductive system by decreasing sperm count. Benzene is in combustion-powered vehicle exhaust and is emitted during oil and gas production and refinement. Ethylene oxide can cause cancer and irritates the nervous and respiratory systems. Symptoms of long-term exposure can include headaches, sore throat, shortness of breath and others. Ethylene oxide is used to sterilize medical equipment, and as of 2024, it was used by four facilities in Colorado. Formaldehyde is also a cancer-causing agent, and exposure is associated with asthma in children. This air toxic is used in the manufacture of a number of products like household cleaners and building materials. It is also emitted by oil and gas sources, including during fracking. Hexavalent chromium compounds can cause several types of cancer, as well as skin and lung diseases such as asthma and rhinitis. A major source of hexavalent chromium is coal-fired power plants, of which Colorado currently has six in operation, though these plants are scheduled to close in the next five years. Other sources of hexavalent chromium include chemical and other manufacturing. Finally, long-term exposure to hydrogen sulfide can cause low blood pressure, headaches and a range of other symptoms, and has been associated with neurological impacts such as psychological disorders. Some sources of hydrogen sulfide include oil refineries and wastewater treatment plants. Jenni Shearston is an assistant professor of integrative physiology at the University of Colorado Boulder. This article is republished from The Conversation under a Creative Commons license. Read the original article. View the full article

Tariff and layoff worries are leading some to reconsider pending deals, but a surplus of existing homes now has other buyers backing out as well, Redfin said. View the full article

When you’re self-employed, you’ve built a life around independence. You set your own schedule, choose your own clients, and take control of your financial future. But have you thought about protecting that future for the people who rely on you? Life insurance may not be the first thing on your mind when managing your freelance business, but it should be. If you have loved ones who depend on your income—whether it’s a partner, children, or even aging parents—life insurance ensures that they’re financially secure if something happens to you. Why self-employed workers should prioritize life insuranceUnlike traditional employees, freelancers don’t have the safety net of employer-sponsored life insurance. That means it’s up to you to put coverage in place that protects your family and assets. Here’s why it’s a smart move: Protect Your Loved Ones: If you were to pass away unexpectedly, your family would lose not just you, but also the income that supports them. Life insurance ensures that your family can maintain financial stability in your absence and helps cover expenses like rent or mortgage payments, childcare, daily expenses, and more.Cover Outstanding Debts: Do you have a mortgage, student loans, or credit card debt? If you pass away before these are paid off, your next of kin could become responsible for them. A life insurance policy can help prevent your loved ones from inheriting your financial burdens.Have Peace of Mind: Knowing that your loved ones are protected allows you to focus on growing your business and enjoying life, rather than worrying about “what if” scenarios.Choosing the Right Policy: Term vs. Whole Life InsuranceWhen considering life insurance, you’ll typically choose between term life insurance and whole life insurance. Whole life insurance covers you for your entire lifetime and builds cash value over time, but it comes with higher premiums.Term life insurance, which Freelancers Union offers, provides coverage for a set period and is generally more affordable, making it a great option for freelancers looking to keep costs down.For most self-employed workers, term life insurance is a cost-effective way to ensure financial protection during key earning years. How Much Coverage Do You Need?Determining the right coverage amount depends on several factors, including your income, debts, and dependents. You’ll need to decide how much “death benefit” your family needs. As you might suspect, your premium depends on how much “death benefit” your family will receive. So if you’re looking to leave $50,000 behind to cover taxes or a funeral, your premium will be a lot less than a $1 million policy intended to support your dependents for several years. A common rule of thumb is: Multiply your annual income by 10 to determine a basic coverage amount.If you have children, add $100,000 per child to help cover future education and living expenses.Factor in any outstanding debts, such as a mortgage or business loans, to ensure those costs are covered.Consider how long you’ll need coverage—if your children are young, you may need a longer term than someone whose kids are in college.How to get Affordable CoverageGetting life insurance might seem complicated, but we’re here to make it simple and affordable for you. As a Freelancers Union member, you get access to group coverage under Guardian’s term life insurance policy, a flexible, easy-to-use plan tailor made for freelancers. With term life insurance options tailored for independent workers, you can get the coverage you need without the hassle of employer restrictions. First, you’ll want to check out our website to view the premium rates for each policy amount in relation to your age, sex, and smoking status. View our rates here. Once you’ve determined the plan you want, you can start the application process. The application for term life insurance will list Freelancers Union Inc. as your employer, but don’t worry - this will not affect your taxes or impact your status as an independent contractor. You’ll be asked about the coverage amount that you want, and if you want to add coverage for your spouse and/or dependents. Plus, with our group plan, an evaluation of your medical history may not be required for policies up to $100k. However, you will be asked a few questions about your health, including whether or not you use tobacco, if you’ve received medical care for certain illnesses (including but not limited to Cancer, Diabetes, & more), and if you or your dependents have ever been diagnosed or treated for AIDS. Have any questions about the application process? Reach out to our team at membership@freelancersunion.org and we’ll be happy to help! Don’t Wait—Protect Your Future TodayFreelancers often think about health insurance, retirement savings, and business expenses—but life insurance is just as crucial. It’s not about you; it’s about protecting the people you love. It’s a simple step that can make a world of difference for those you love. Apply for coverage today: https://freelancersunion.org/insurance/term-life-insurance/ View the full article

When you’re self-employed, you’ve built a life around independence. You set your own schedule, choose your own clients, and take control of your financial future. But have you thought about protecting that future for the people who rely on you? Life insurance may not be the first thing on your mind when managing your freelance business, but it should be. If you have loved ones who depend on your income—whether it’s a partner, children, or even aging parents—life insurance ensures that they’re financially secure if something happens to you. Why self-employed workers should prioritize life insuranceUnlike traditional employees, freelancers don’t have the safety net of employer-sponsored life insurance. That means it’s up to you to put coverage in place that protects your family and assets. Here’s why it’s a smart move: Protect Your Loved Ones: If you were to pass away unexpectedly, your family would lose not just you, but also the income that supports them. Life insurance ensures that your family can maintain financial stability in your absence and helps cover expenses like rent or mortgage payments, childcare, daily expenses, and more.Cover Outstanding Debts: Do you have a mortgage, student loans, or credit card debt? If you pass away before these are paid off, your next of kin could become responsible for them. A life insurance policy can help prevent your loved ones from inheriting your financial burdens.Have Peace of Mind: Knowing that your loved ones are protected allows you to focus on growing your business and enjoying life, rather than worrying about “what if” scenarios.Choosing the Right Policy: Term vs. Whole Life InsuranceWhen considering life insurance, you’ll typically choose between term life insurance and whole life insurance. Whole life insurance covers you for your entire lifetime and builds cash value over time, but it comes with higher premiums.Term life insurance, which Freelancers Union offers, provides coverage for a set period and is generally more affordable, making it a great option for freelancers looking to keep costs down.For most self-employed workers, term life insurance is a cost-effective way to ensure financial protection during key earning years. How Much Coverage Do You Need?Determining the right coverage amount depends on several factors, including your income, debts, and dependents. You’ll need to decide how much “death benefit” your family needs. As you might suspect, your premium depends on how much “death benefit” your family will receive. So if you’re looking to leave $50,000 behind to cover taxes or a funeral, your premium will be a lot less than a $1 million policy intended to support your dependents for several years. A common rule of thumb is: Multiply your annual income by 10 to determine a basic coverage amount.If you have children, add $100,000 per child to help cover future education and living expenses.Factor in any outstanding debts, such as a mortgage or business loans, to ensure those costs are covered.Consider how long you’ll need coverage—if your children are young, you may need a longer term than someone whose kids are in college.How to get Affordable CoverageGetting life insurance might seem complicated, but we’re here to make it simple and affordable for you. As a Freelancers Union member, you get access to group coverage under Guardian’s term life insurance policy, a flexible, easy-to-use plan tailor made for freelancers. With term life insurance options tailored for independent workers, you can get the coverage you need without the hassle of employer restrictions. First, you’ll want to check out our website to view the premium rates for each policy amount in relation to your age, sex, and smoking status. View our rates here. Once you’ve determined the plan you want, you can start the application process. The application for term life insurance will list Freelancers Union Inc. as your employer, but don’t worry - this will not affect your taxes or impact your status as an independent contractor. You’ll be asked about the coverage amount that you want, and if you want to add coverage for your spouse and/or dependents. Plus, with our group plan, an evaluation of your medical history may not be required for policies up to $100k. However, you will be asked a few questions about your health, including whether or not you use tobacco, if you’ve received medical care for certain illnesses (including but not limited to Cancer, Diabetes, & more), and if you or your dependents have ever been diagnosed or treated for AIDS. Have any questions about the application process? Reach out to our team at membership@freelancersunion.org and we’ll be happy to help! Don’t Wait—Protect Your Future TodayFreelancers often think about health insurance, retirement savings, and business expenses—but life insurance is just as crucial. It’s not about you; it’s about protecting the people you love. It’s a simple step that can make a world of difference for those you love. Apply for coverage today: https://freelancersunion.org/insurance/term-life-insurance/ View the full article

We may earn a commission from links on this page. A lot of folks want to upgrade their homes with a remodel, renovation, or smaller project. But cost is always a factor (and a barrier)—the average renovation cost for a house is over $50,000. Those costs drive a lot of folks to watch way too many home improvement shows and attempt do-it-yourself transformations, but those kinds of DIY projects require money, too—not to mention some basic skills and at least a few tools. If you’re not someone who’s comfortable swinging a hammer or plugging in a power drill—or someone who doesn’t even own a hammer or a power drill—the idea of upgrading your house might seem impossible unless you’ve got that spare 50 grand. But there are numerous ways you can upgrade your house without the need for any tools whatsoever. Towel racksIf your bathroom or kitchen needs a place to hang towels and you don’t trust yourself to drill holes, hammer in screw anchors, and drive some screws home, you don’t have to: You can pick up some Command towel racks for both hand towels and bath towels. As you can see in this video, they pop on your walls using the same Command strips you find for hooks and other products (these are water-resistant for obvious reasons). While using a level might make this installation a little easier, you can actually download a bubble level app for your phone that will work in a pinch, or just eyeball it—the good news is that your towel rack will be relatively easy to remove and reset if you mess it up. LightingThere are a lot of options for upgrading the lighting situation in your house that don’t require any wiring, cutting, or wall opening. Lights like these rechargeable LED lights have magnets built in so you can slap them onto metal surfaces for instant, no-tool installation, as well as an adhesive backing so you can attach them under wood cabinets or onto walls. They’re motion-activated, so they can act as nightlights, closet lights, or kitchen work lights. And these stick-on lights are programmable and come with a remote control to make your kitchen feel truly futuristic. You can also find ceiling lights like this one that adhere to the ceiling without any tools, giving you the ability to add an overhead light to any room without hiring an electrician or drilling into your ceiling. Floating shelvesNeed some shelving for light storage? The High & Mighty shelf requires no tools and can hold up to 20 pounds of stuff (there’s also a 25-pound version). It even supplies its own level as part of the installation packaging, so all you have to do is stick the guide to the wall, push the brackets in using just your muscles, and hang the shelf. It’s a super easy way to add some attractive storage to your walls without drilling 1,000 holes. Grout pensIs the grout in your shower or kitchen backsplash looking a little dirty? You don’t need a grout saw, float, or even a stiff brush to clean it up or replace it. If the grout’s still in good physical shape, you can brighten it up in no time with a grout pen like this. You can find grout markers in a variety of colors, so you can clean up or transform just about any grout line in your house sans tools. Check the directions before you buy, though—some grout markers only work on unsealed grout, so if your grout has been sealed they may not work properly. Peel-and-stick everythingPeel-and-stick stuff has come a long way, and are a powerful way to reinvent any space without the need for tools or extensive renovations. Technically they’re not entirely tool-free, as you will probably need a pair of scissors to size these materials to your space, but since most people possess and know how to use a pair of scissors, I'm allowing it. Wallpaper is the easiest way to cover up an unattractive wall or just change the look and feel of it. Products like this one are also easily removed, so they’re ideal for rentals or for folks who change their minds a lot—and they can be applied and smoothed using just your hands. Floor stickers and tiles can upgrade your floors pretty easily. They can be installed on top of just about any flooring (including existing tile), so you don’t need to do any demolition—just cut as needed, peel, and stick. And these tiles come in a wide variety of styles, from faux wood to porcelain to natural stone. Another option to consider is tile stickers/decals, which are designed to be pasted on top of existing tile to give it a fresh new look. They can be cut to size, and then simply paste over your existing floor or backsplash (you can see it done here). Window treatmentsIf you want to add some window treatments without drilling and screwing, it’s pretty easy with shades that use a tension system—you simply insert the rod inside the window opening and let the pressure hold it in place. You can add roller shades, Roman shades, and even heavy curtains to your windows in a snap without any tools required. Faux headboardIf you feel like your bedroom could use a little upgraded classiness, you might think that adding a headboard must require some woodworking and wall attachment—but it doesn’t have to. You can create an illusory headboard on the wall behind your bed by sticking stuff to it. If you have spare wood paneling lying around, grab some Command strips and hang them on the wall. You can also use vinyl peel-and-stick tiles, or literally anything that can be arranged artfully on the wall to create the outline of a headboard without getting any drywall dust on your bed. View the full article

Eighty-four Indonesians freed from scam centers in Myanmar were set to return home Friday as the repatriation of thousands of such workers after a crackdown strains regional resources. The Indonesians were among more than 7,000 people being held in the Myanmar border town Myawaddy following a crackdown on the scam centers by Thailand, Myanmar and China. Two buses carrying the Indonesians arrived Thursday in the Thai border city of Mae Sot, where the passengers had health checks and their identities were verified. Hundreds of thousands of people are believed to have been lured to work in Myanmar, Cambodia and Laos to commit global scams through false romances, bogus investment pitches and illegal gambling schemes. Many of the workers were recruited under false pretenses, only to find themselves trapped in virtual slavery. The Indonesian Foreign Affairs Ministry said the 84 Indonesians, which included 69 men and 15 women, were healthy and will fly to Jakarta on three commercial flights Friday. The ministry had said last week as many as 270 Indonesians were stranded in Myanmar after leaving the scam centers, but it was not clear why only 84 were being repatriated. Judha Nugraha, director of Indonesian citizen protection at the ministry, has said that approximately 6,800 Indonesians have fallen victim to illegal job scams, ending up in online gambling operations or bogus investment schemes in Myanmar and several other countries over the past few years. The crackdown on the scam centers in Myanmar followed a meeting in Beijing in early February between Thai Prime Minister Paetongtarn Shinawatra and Chinese leader Xi Jinping where she said Thailand would crack down on the scam networks. Thailand has cut off electricity, internet and gas supplies to several areas in Myanmar hosting scam centers along the border. More than 600 Chinese nationals were repatriated last week. Earlier, some 260 people from 20 countries, including Ethiopia, Brazil and the Philippines, crossed from Myanmar into Thai custody. Many have returned home but more than 100 remain in Thailand awaiting repatriation, Thai officials said. The size and scale of the repatriation effort is straining Thai government resources and leading to delays for those waiting to go home. Officials from Thailand, Myanmar and China were expected to meet Friday to address the logistics of the crackdown as concerns grow about a possible humanitarian crisis along the border. Associated Press writer Niniek Karmini in Jakarta, Indonesia, contributed to this report. —Jintamas Saksornchai, Associated Press View the full article

We may earn a commission from links on this page. Oura, the smart ring, is finally taking menstrual cycle data into account when assigning readiness scores—a feature whose absence has baffled users for years. The ring’s app was notorious for assigning lower-than-expected scores during the luteal phase of users’ cycles, but that is changing thanks to an update to the Readiness score algorithm that Oura announced this week. If you don’t have a menstrual cycle, or if you have one but don’t track it, you probably won’t notice anything different about your Readiness scores. But this update is a big deal for anyone who uses Cycle Insights, the feature of the Oura app that uses temperature data to keep track of ovulation, menstruation, fertile window, and follicular and luteal phases. Why many users had incorrect readiness scoresTo explain why this was an issue, I’m going to zoom out and give a quick biology lesson. The monthly cycle that’s sometimes called a menstrual cycle isn’t just about menstruation, i.e., the bleeding that lasts a week or less. Instead, the cycle is a phenomenon that lasts all month, with distinct phases in the first and second halves of the month. To be clear, this cycle doesn’t happen in everyone. It’s specifically a phenomenon that occurs in people who have a regular period and are not taking hormonal birth control. If you fall into this category, you can use the Cycle Insights feature of the Oura app to track when you are in the first half of your cycle (the follicular phase) versus the second half (the luteal phase). (An important aside: Every time I write about menstruation or hormonal cycles, I get someone writing in to tell me that “women” and “people who menstruate” are synonyms. Let’s just take a minute to discuss the fact that they are not. Not only can we acknowledge the existence of trans folks, non-binary people, and a strange species of human known as “girls,” it’s worth remembering that a significant percentage of women do not have a cycle! This includes women who are past menopause, and women who use hormonal birth control.) When your cycle starts on day one of your period, you’re in what’s called the follicular phase, as an ovarian follicle (which will produce an egg cell) develops over the course of about two weeks. Midway through the month—day 14 in a textbook cycle—that follicle releases the egg, ending the follicular phase. The releasing of the egg is called ovulation. At this point, the body’s temperature ticks up by about half a degree. It will stay at this slightly elevated temperature for the rest of the cycle, and the Oura ring can detect the change in temperature. The empty follicle stays behind in the ovary, secreting hormones, and becomes the corpus luteum, Latin for “yellow thing.” (Scientists are so creative.) In its honor, the second half of the cycle is called the luteal phase. Temperature isn’t the only difference between the follicular and luteal phases; all kinds of hormonal and biological phenomena are happening throughout the month, some of which have catchy names like “period flu,” but that’s a discussion for another time. What’s changing in the Oura algorithmAs Oura points out in their announcement about the change, the luteal phase tends to have a few detectable differences from the follicular phase (from the ring’s point of view): Skin temperature increases Respiratory rate increases Resting heart rate increases Heart rate variability (HRV) decreases All of these are things that, if they weren’t associated with the menstrual cycle, would indicate that a person is under stress or maybe getting sick. And so the algorithm (at least sometimes) processes this data as dings to your Readiness. Forums that discuss the Oura ring are full of threads with titles like “PSA to Oura: luteal phase is not a sickness” and “Anyone else get terrible readiness during luteal phase?” (according to the comments: yes). With that in mind, Oura is finally taking your cycle phase into account when calculating Readiness scores. They predict that 35% of users who track a menstrual cycle will no longer get “disproportionately negative” readiness scores in the luteal phase. They expect that scores will be four to five points higher for those people, and that there will be 81% fewer days with too-low scores. How to get the updated readiness scoresTo benefit from the new algorithm, you’ll need to be using the Cycle Insights feature. This requires you to input the dates that your periods start, and it detects temperature changes to determine when you are in the luteal phase. To turn on Cycle Insights, tap the menu icon in the app, then Settings, and then Women’s Health. There is a switch to turn on Cycle Insights, and below that you can enter some background information: whether you use hormonal contraception, how long your typical cycle lasts. So, yes, this means that the app will need to keep track of when you have your period and when you’re ovulating. If that makes you uncomfortable in the current political climate, I don’t blame you—but you’ll have to decide whether it’s worth it to get that slightly more accurate data. Oura has a blog post on their approach to reproductive data privacy, noting that they are subject to GDPR regulations (since they are based in Finland) and that they plan to fight any requests for data from legal authorities. The support page for Cycle Insights includes instructions for deleting your cycle data from the app, which you can do at any time. View the full article

The union representing Consumer Financial Protection Bureau employees said in a court filing that the Trump administration's actions to reduce the agency's workforce and cut spending violate the law. View the full article

Liberal nationalists must respond with imagination to US policies rather than gripe at being cut out of Ukraine talksView the full article

It’s official: Skype is dead. The long-lived (by internet standards) voice-over-internet app has been put out to pasture by parent company Microsoft. Though Skype was once considered the way to call someone online, it's now going the way of Google Hangouts and dozens of other trendsetting apps before it. Come May 5, it’ll officially be replaced by Microsoft Teams. It’s truly the end of an era. Launched in 2003, Skype quickly became synonymous with video calls online, with “skype-ing” entering the lexicon as its own verb. It has supported countless long distance relationships, podcasts recording sessions, and remote D&D games, but after being supplanted by apps like Zoom during the pandemic, it seems Microsoft has decided it’s finally time to go. Users will be prompted to transition to Microsoft TeamsMicrosoft is doing its best to make the transition seamless, and “over the coming days,” will roll out the ability for Skype users to sign into a Microsoft Teams account and immediately import their Skype chats, contacts, photos, and call history. Users who wish to move on from Skype will also be able to export their data to download locally, and Microsoft tells The Verge that it’s also made a tool that will allow users to view their Skype chat history after the shutdown. The company also says that Skype and Teams will be interoperable from now until the shutdown, so if you migrate to Teams and then message one of your old Skype contacts, they’ll still see your message on Skype. No more Skype callsHowever, one big part of Skype will go away once Teams officially supplants it—phone calls. While Microsoft says it will honor existing Skype credits and subscriptions, it’s not going to support paid Skype features beyond that—and existing subscribers won’t be able to renew once their plans run out. To help customers as they use up their paid benefits, the Skype dial pad will be available within the Skype web portal and within Teams after the shutdown. The choice to sunset Skype follows a move in December that saw Microsoft phasing out new Skype Credit sales as well as the Skype Number feature, which allowed users to use Skype to answer calls and send texts from a standard phone number. In retrospect, it seems the writing has been on the wall for a while. “We hope we’ll migrate most Skype users,” Microsoft’s Jeff Tepper told The Verge, “...but we want to make sure the users know they’re in control.” To that end, while Teams is definitely a viable choice for personal use despite its more business-oriented name, you might find yourself preferring one of its competitors. From our friends at PCMag, here are some of best free video calling apps to consider migrating to once the Skype shutdown arrives. View the full article

Even solos can provide it. Here’s how. By Hitendra Patil Client Accounting Services: The Definitive Success Guide Go PRO for members-only access to more Hitendra Patil. View the full article

Even solos can provide it. Here’s how. By Hitendra Patil Client Accounting Services: The Definitive Success Guide Go PRO for members-only access to more Hitendra Patil. View the full article

... and why they don't have to. By CPA Trendlines Research Go PRO for members-only access to more CPA Trendlines Research. View the full article

... and why they don't have to. By CPA Trendlines Research Go PRO for members-only access to more CPA Trendlines Research. View the full article

At a press conference in the Oval Office earlier this month, Elon Musk—a billionaire who is not, at least formally, the President of the United States—was asked how the Department of Government Efficiency manages potential conflicts of interest to ensure “accountability and transparency.” In response, Musk suggested that simply opening a browser tab would assuage the reporter’s concerns. “We post our actions to the DOGE handle on X, and to the DOGE website,” he said. “So all of our actions are maximally transparent.” One problem with this assertion: At the time, the DOGE.gov domain was more or less empty, an oversight that someone in Musk’s orbit had to hastily rectify. Now, nested beneath tabs on a white-on-black homepage is a “wall of receipts” tallying DOGE’s alleged cost savings as it attempts to hollow out the federal government. (These “receipts” reportedly included 10 figures’ worth of math errors shortly after the wall debuted.) Other tabs provide information about the salaries of the approximately 2.3 million federal employees Musk is trying to fire (data borrowed from the Office of Personnel Management) and agency-by-agency information about federal spending (figures taken from publicly available Treasury Department reports). There is no better distillation of Musk’s brand of “efficiency” than tasking underlings with building sloppy, dark-mode versions of free government resources that already exist. The “Regulations” tab, however, reveals the true nature of Musk’s project, which is not to deliver tax relief to working people, but to free wealthy corporations from pesky regulatory oversight. The page abandons dollars-and-cents metrics for something different: an “Unconstitutionality Index” that divides the number of regulations enacted by federal agencies by the number of statutes passed by Congress each year. Users can scroll down to see how many regulations these agencies—”unelected bureaucrats,” as DOGE calls them—have published, and even how many hundreds of thousands of words those regulations run. The clear implication is that the Code of Federal Regulations has become far too complicated—perhaps too complicated to be constitutional—and that only the fully optimized business brains at DOGE have the vision, courage, and managerial savvy necessary to wrangle this unruly mess. DOGE’s war on the very concept of regulation demonstrates just how little “innovation” Musk and his henchteenagers are bringing to the putative task of streamlining the federal government’s workflow. Corporate interests, eager to shed even modest limitations on their ability to pay out executive bonuses and shareholder dividends, have spent decades arguing that regulations are unauthorized exercises of legislative power. At DOGE, Musk is simply repackaging these bog-standard, free-enterprise talking points with the trappings of Silicon Valley technobabble. In his position as this country’s de facto copresident, the more regulations he manages to scuttle, the more he and his cronies’ companies stand to profit. To be clear, the regulations that Musk is demonizing here are simply the rules by which the executive branch, at Congress’s direction, implements and enforces the laws that Congress passes. For example, when lawmakers passed the Consumer Product Safety Act, a 1972 law that aims to “protect consumers against unreasonable risk of injury from hazardous products,” they tasked a federal agency, the Consumer Product Safety Commission, with spelling out the nitty-gritty rules for making different kinds of products safe. The logic here is pretty intuitive: Setting standards for, say, the maximum amount of force necessary to open a refrigerator door from the inside is technical, complex work best left to mechanical engineers and child safety researchers, not, say, Marjorie Taylor Greene. In a sprawling country that is home to 340 million people, this system of delegation from professional politicians to subject-matter experts is what keeps air breathable, water potable, and kitchen appliances from becoming death traps for small children playing hide-and-seek. But it necessarily imposes costs on industry: Compliance with rules entails spending at least some money and forgoing at least some potential profit. As a result, the notion that regulation is evil and foolish has become an article of faith among pro-business groups and the Republican politicians they support, who argue that the proliferation of unnecessary, duplicative, burdensome rules stifles innovation and stunts economic growth. Opponents often cite the increase in volume of rules over time as proof of their inherent illegitimacy, a sentiment the anti-tax activist Grover Norquist once summarized using a memorably unsettling metaphor. “I don’t want to abolish government,” he said. “I simply want to reduce it to the size where I can drag it into the bathroom and drown it in the bathtub.” The “Unconstitutionality Index” on DOGE’s website is a fixture of the anti-regulation movement, created by the Competitive Enterprise Institute, a think tank that recently celebrated “40 years of eliminating excessive regulation and unleashing human potential.” (Several CEI staffers are listed as contributors to Project 2025, the policy “blueprint” drafted by conservative groups in anticipation of President Donald Trump’s reelection.) Organizations like CEI exist to raise the alarm about the dangers of bureaucracy; in congressional testimony last year, a CEI fellow told lawmakers that despite its best efforts, “unchecked regulation” is still “impeding economic efficiency and undermining progress.” The Trump-Musk administration wasted little time delivering relief on this front: In an executive order last week, the White House announced plans to facilitate the “deconstruction of the overbearing and burdensome administrative state.” The order instructs agency heads, “in coordination with” DOGE, to identify regulations to put on the chopping block, including those that “significantly and unjustifiably imped[e] technological innovation” or “impose undue burdens on small business and impede private enterprise and entrepreneurship.” Suddenly, people who have spent decades framing regulations as an existential threat to their beloved free market have a White House willing to listen and eager to act. Regulation has traditionally lagged behind the pace of the tech industry in particular, which is part of the reason Big Tech has remained so profitable despite doing all kinds of harm that rarely results in meaningful consequences. Maintaining this status quo is worth billions to the leaders of these companies, especially as they search out new sectors of the economy to upend in move-fast-break-things fashion. By gutting the Consumer Financial Protection Bureau, Musk has deftly greased the skids for X Money, a peer-to-peer payments service that Musk plans to roll out on his social media platform this year. As DOGE fires hundreds of employees at the Federal Aviation Administration, SpaceX engineers are quietly taking their places, and Musk is pushing for the agency to cancel a multibillion-dollar contract with Verizon and award it to his company instead. As sales stagnate, Tesla has taken to hyping its long-awaited driverless taxi business as the future of the company, a bet that becomes a little less risky with every regulatory hurdle that Musk manages to knock over between now and launch. By enlisting Musk to go full Founder Mode on a dated federal bureaucracy, DOGE was pitched as the means of fulfilling every politician’s favorite promise: to run government more like a business. “We’re going to get the government off your back and out of your pocketbook,” Musk told rallygoers in October to rapturous applause. But there is nothing new about the DOGE playbook, other than the involvement of a celebrity tech executive who is amused by memecoin backronyms. It is a decades-long ideological project to empower people like Musk to make themselves even wealthier at the expense of everyone else. View the full article

Throughout February, a measles outbreak has been growing in West Texas. The potentially deadly disease, once eliminated from the United States in terms of its continuous transmission, has been making a comeback in recent years as vaccine hesitancy and anti-vaccine movements rise. Unfortunately, this outbreak has now had deadly consequences. Earlier this week, it was reported that one unvaccinated Texas child has died as a result of the outbreak. The unfortunate event, along with the continued spread of the disease, has left many asking whether they need a measles vaccine booster shot. Here’s what you need to know. About the measles vaccine The good news is that there is an effective vaccine against measles, according to the U.S. Centers for Disease Control and Prevention (CDC). That vaccine is generally packaged with vaccines for other diseases, giving you protection from a variety of illnesses. A measles vaccine is part of an MMR shot, which stands for “measles, mumps, and rubella.” The measles vaccine is also part of the MMRV shot, which stands for “measles, mumps, rubella, and varicella (chickenpox).” The vaccines help protect against all three or four diseases, respectively. To receive maximum protection from measles, you’ll need two doses of either the MMR shot or the MMRV shot. The dosing schedule depends on the age of the person. In children, the CDC says the recommended schedule for the MMR vaccine is to have the first dose between 12-15 months of age and the second dose between 4-6 years of age. If children are getting the MMRV shot instead, the CDC says the first dose should also be given between 12-15 months of age and the second dose between 4-6 years of age. However, the agency notes that the second dose of MMRV “can also be given 3 months after 1st dose.” As for older children, adolescents, and adults, the CDC says those who do not have evidence of immunity “need 1 or 2 doses of MMR vaccine.” Should I get a measles booster shot if I’ve already been fully vaccinated? It’s important to note that before making any medical decisions, you should always check with a doctor who is familiar with your unique medical history. As noted by CBS, most people who have had two doses of the recommended vaccine will be protected as much as possible throughout their lives. However, one group of people would likely benefit from another course of the vaccine. This group includes those who were first vaccinated against measles before 1968 and do not know which vaccine they received. As the CDC explains, this is because, before 1968, some people received measles vaccines that contained an inactive (killed) strain of the virus, which was ineffective. Modern measles vaccines use a live strain of the virus to produce maximum protection in the body. “People who were vaccinated prior to 1968 with either inactivated (killed) measles vaccine or measles vaccine of unknown type should be revaccinated with at least one dose of live attenuated measles vaccine,” the CDC states. “This recommendation is intended to protect those who may have received killed measles vaccine, which was available in 1963-1967 and was not effective” Is the measles vaccine safe and effective? Health authorities including the CDC say the measles vaccine is both safe and effective. When it comes to the efficacy rate of the MMR vaccine, the numbers are very good. The CDC says one dose of the MMR vaccine is 93% effective against measles. The efficacy increases to 97% after the second shot. Furthermore, the health authorities say the MMR vaccine is safe for those who are breastfeeding and that there is no connection between autism and the vaccine. “There is no link between the MMR vaccine and autism,” the CDC notes. “Scientists in the United States and other countries have carefully studied the MMR vaccine. None has found a link between autism and the MMR vaccine.” While getting the vaccine does not fully protect you from measles, vaccinated individuals who do contract the disease generally experience milder symptoms and are also less likely to spread measles to others, according to the agency. In a February 27 memo addressing the Texas outbreak that has killed one so far, the CDC says, “Vaccination remains the best defense against measles infection.” View the full article

Servicers—Citadel, NewRez and Selene Finance—will not advance any delinquent principal and interest. Eventually, that should reduce loss severities to the deal. View the full article

Even as paid family leave has stalled at the federal level, a growing number of states have taken up the issue in recent years. Thirteen states and Washington, D.C., have now passed legislation that makes paid leave mandatory, while a handful of other states have also introduced voluntary systems that leave it to private insurance companies and employers to opt into the benefit. Despite those legislative wins, however, a new report by the nonprofit Moms First and McKinsey indicates that many eligible workers in states with mandatory paid leave are not taking advantage of their access to the benefit. The analysis focused on the paid-leave programs in New York, New Jersey, and California—which were among the first states to offer the benefit—and also surveyed over 2,000 parents in those states. Who is eligible for paid leave The vast majority of working parents were eligible for paid leave, in spite of the variation in state-specific requirements for wages or time worked. But the report found that only 40% of eligible parents actually used their paid-leave benefits in 2022, which were worth an estimated $6,000 to $10,000 per person. The families that did take advantage of those policies reported being nearly twice as satisfied with paid leave than they were with other state benefits; at the same time, parents were less likely to take paid leave when compared to similar government offerings like unemployment benefits. Even as more states have adopted laws mandating paid leave, most workers across the country still lack access to it: As of 2024, only 31% of full-time employees in the U.S. had paid leave. There are a number of reasons why utilization of paid leave may be lower than expected, given how critical the benefit can be for families. First is a lack of awareness, which might explain why parents are more likely to use unemployment benefits; of the respondents who did not use paid leave, 60% said they did not know it was available. Why workers don’t take paid leave Other parents were aware of the benefit but didn’t feel comfortable using it, either due to concerns over job security or career progression. “I would have taken [paid family leave] if I could afford it and wouldn’t lose my job,” one New York-based mother told Moms First. Low-wage workers were especially likely to worry about whether they could afford to take leave—even in New York, where the paid leave law explicitly promises job protection. In some cases, there were concerns over wage replacement, since paid leave laws typically only cover part of an employee’s salary (anywhere from 60% to 90%, depending on how much they earn). But the report also indicates that the very disparities that make paid leave so important play a role in why many parents are not fully utilizing the benefit. Since women are more likely to shoulder a greater share of childcare responsibilities, there are fewer women who are eligible for paid leave. In some cases, they may not meet the wage or time worked criteria mandated by state law. (Overall labor participation is also higher for men than it is for women.) In many cases, the cost of childcare can lead one parent to drop out of the workforce and stay home with their children—a burden that disproportionately falls on women. On the other hand, while more men are eligible for paid leave benefits, they are less inclined to use them—half as likely, in fact. (The unused parental leave captured by the report came to a total of six million weeks, with men accounting for four million.) A number of male respondents actually noted that they didn’t think it was necessary to take leave if their partner was already doing so. Race, too, seems to play a role in how widely paid leave is utilized: On the whole, Latino and Black parents are less likely to be eligible for the benefit than white and Asian parents. When they do have access to it, however, Black parents are the most likely to use paid leave. Administrative challenges Another significant hurdle is the administrative burden of applying for paid leave. While many parents who used paid leave expressed satisfaction with the benefit after the fact, almost 60% who opted out said they were frustrated by the application process. Even when paid leave is provided by the state, the vast majority of parents relied on their employer to help guide them through a complicated process, which is likely easier to navigate at large companies that are better positioned to assist their workers. In the absence of a federal law—which lost traction after the pandemic—advocates for paid leave have pushed for legislation at the state level, leading many progressive states to adopt mandatory policies over the past decade. But the Moms First report makes clear that without increasing utilization of paid leave, countless parents are not reaping the benefits, from offsetting the steep cost of childcare to improving health outcomes for mothers and children. View the full article

The Consumer Finance Protection Bureau has dropped several enforcement actions against companies like Capital One and Rocket Homes, just weeks under new leadership and turmoil at the agency caused by orders from Trump administration. In notices of voluntary dismissals filed on Thursday, the CFPB dropped lawsuits it had brought against Capital One, Rocket Homes, Vanderbilt Mortgage and Finance, owned by Warren Buffett’s Berkshire Hathaway, and others. Those suits were all filed under the agency’s previous director, Rohit Chopra, who President Donald Trump fired just weeks ago. The CPFB has since plunged into turmoil—with the White House later ordering it to halt nearly all its work. The administration also closed the agency’s headquarters and moved to fire scores of its workers. Trump has defended his administration’s broadside against the CFPB — including recent claims about the agency being “set up to destroy people.” But supporters of the agency stress that it provides crucial oversight and protects consumers from being vulnerable to predatory business practices. Trump nominated former Federal Deposit Insurance Corporation board member Jonathan McKernan to be agency’s new director, who faced a Senate committee hearing Thursday. The CFPB is tasked with creating rules and taking enforcement actions to protect consumers from unfair, deceptive, or abusive practices by a wide range of businesses and other institutions. Since its founding, the bureau has said that it’s obtained nearly $20 billion in financial relief for U.S. consumers — in the form of canceled debts, compensation, and reduced loans. Legal action from the CFPB often involves banks, mortgage servicers, credit card companies, student loan processors, payday lenders, money transfer providers, credit reporting agencies and debt collectors. Last month, prior to Trump taking office, the CFPB sued Capital One for allegedly misleading consumers about its offerings for high-interest savings accounts — with the bureau accusing the banking giant of “cheating” customers out of more than $2 billion in lost interest payments as a result. Meanwhile, its Jan. 6 suit against Vanderbilt Mortgage accused the lender of pushing consumers into loans they couldn’t afford to buy manufactured homes. And the CFPB’s December complaint against Rocket Homes alleged a “kickback scheme” from the company to illegally steer prospective borrowers to Rocket Mortgage, which operates under the same parent company, and away from other competitors. But all those cases will now be discontinued with Thursday’s actions. Court filings in the Rocket Homes case notes that the “Consumer Financial Protection Bureau, dismisses this action, with prejudice, against all Defendants.” Dismissing a case with prejudice means that it cannot be refiled. Similar wording was used in the dismissals of the CFPB’s Capital One and Vanderbilt Mortgage suits. In a statement Thursday, Rocket Homes welcomed its dismissal and said “it is good to see the truth come to light.” The company called the suit “an empty claim brought forth by former CFPB director Chopra for the sole purpose of seeing his name in headlines during the final days in public office.” Capital One welcomed the CFPB’s Thursday decision, too, noting that it had “strongly disputed” the action filed against the company. The Associated Press also reached out to Vanderbilt Mortgage for comment. The CPFB isn’t the only federal agency to signal a pullback on previous enforcement action under the new administration. The U.S. Securities and Exchange Commission, for example, has either closed or paused legal action against several cryptocurrency platforms in recent weeks, as the regulator tries to present itself as more crypto-friendly under Trump. Earlier this month, Binance and the SEC filed a joint motion to pause its high-profile lawsuit against the crypto exchange. And both Coinbase and Robinhood have said that cases against them have also been dismissed or closed, although the SEC declined to immediately comment further. —Wyatte Grantham-Philips, Associated Press View the full article

Tech giant to retire service it acquired for $8.5bn after being overtaken by upstarts such as WhatsApp, Telegram and ZoomView the full article