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WTF continues federal help for pupil loans?

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WTF continues federal help for pupil loans?

Image for the article titled WTF Proceeds With Federal Aid For Student Loans?

Photo: ShutterstockProfessional (Shutterstock)

Since the deferral period for federal student loans expires in October, most borrowers have to start repaying their student loans for the first time since March 2020 – provided this deadline is met. But will the moratorium be extended again? Here’s a look at the latest information on student loan relief.

Will the student loan indulgence be extended beyond October?

The chances of an extension of the forbearance have improved lately, although there is no guarantee that it will. As reported by Politico, U.S. Department of Education officials recommend that the White House extend the moratorium through January 2022, although that stance has not yet been publicly announced.

And last week the Democratic Sens. Elizabeth Warren and Edward J. Markey sent one Letter to President Biden urge an extension of the moratorium until at least March 31, 2022. The letter points to ongoing problems with the servicers – as the servicers say they are still understaffed – along with the ongoing financial plight for borrowers, citing a June poll 90% of respondents said they would not be ready to resume loan payments in October.

There is also the recently announced withdrawal of service providers Granite State and FedLoan from the state student loan program on January 1, 2022, which will affect around 10 million borrowers. As Forbes points out, was the management of transfers by contractors of the Ministry of Education in the past chaotic, with widespread problems such as lost records and missing payments. By postponing the moratorium to the end of the year, the service employees would have more time to prepare.

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What about student loan issuance?

Biden is waiting for a memo from the Ministry of Education on the legitimacy of the President to cancel student loan debts through executive action. While progressive Democrats have said Biden could “swipe” up to $ 50,000 in student debt, the legality of such a move is is that not clear.

Plus, debt relief is a much more controversial issue that probably won’t pass Congress without removing the filibuster. Criticism of lump-sum debts Relief says it’s unfair to people who don’t go to college, that it doesn’t address rising tuition costs, and that any forgiveness should be more focused on those on lower incomes.

In the meantime, President Biden has $ 3 billion in student loan canceled by topping up existing credit relief programs through executive action. The Ministry of Education is seek further reforms That should make it easier for distressed borrowers to qualify for student debt relief, but it will likely take up to a year to complete.

Bottom line

While extension seems more likely than debt relief, borrowers should prepare for regular payments starting October – just to be sure. If you can’t make these payments, you should file a claim Income-based repayment plan.

IOC says that each one that may be executed has been executed

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IOC says that each one that may be executed has been executed

A view of the Tokyo Olympic Rings ahead of the Tokyo 2020 Olympic Games in Japan.

Danny Lawson | PA pictures | Getty Images

The Tokyo Olympics are slated to officially start with a one-year delay, and the International Olympic Committee says organizers have done everything in their power to ensure safe games as the coronavirus pandemic rages on.

“Anything that … can be done, anything that has been recommended by all of these experts – some of them here with us to deliver these Games – we have done,” said Christophe Dubi, the IOC’s Olympic Games Executive Director.

He responded to criticism that the organization was using “cheap measures” and had not listened to advice. Dubi told CNBC’s “Capital Connection” on Friday that the IOC had received help from many experts around the world and “diligently followed up” on all recommended measures.

“I think we’re doing just the right thing and we don’t think it’s cheap at all,” he said.

Olympic Games Challenges

World Health Organization Director General Tedros Adhanom Ghebreyesus told organizers on Wednesday that they did their best and said the goal was not to have zero Covid cases during the Games.

“The sign of success is making sure all cases are identified, isolated, followed up, dealt with and the referral broken as soon as possible,” said Tedros.

Dubi of the IOC said organizers have been doing this for the past few days and will continue to do so.

Looking ahead, including the Beijing 2022 Winter Olympics, he said the IOC had learned to create safe conditions, but the situation was “very fluid” and would continue to evolve.

“We have to be prepared for the worst and plan for the worst,” he said. He added that there was “no talk at all” about a postponement.

The show must go on?

Earlier this week, Toshiro Muto, head of the Tokyo Olympics Organizing Committee, didn’t rule out canceling the event if Covid-19 cases increase.

However, Kirsten Holmes, professor of events and tourism at Curtin University, said it was “very difficult” for organizers to cancel the games.

It is very difficult for the organizing committee to get stuck.

Kirsten Holmes

Professor at Curtin University

She said the Tokyo games will be logistically more difficult than normal games and there will have to be flexibility. “But I think it’s very unlikely that … all the games will be abandoned,” she said.

“We could see individual competitions being postponed or possibly canceled if all participants cannot participate,” she told CNBC on Friday to Street Signs Asia.

With no spectators or international visitors, Holmes said the Games are all about the athletes, some of whom may only have one chance to compete at this level.

“It is very difficult for the Organizing Committee to get stuck and so … we will see the event for the next few weeks and of course the Paralympic Games next month,” she said.

Disclosure: CNBC parent NBCUniversal owns NBC Sports and NBC Olympics. NBC Olympics owns the U.S. broadcast rights to all Summer and Winter Games through 2032.

Chase Stokes admits he was kicked out of Elton John’s Oscar occasion

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Chase Stokes admits he was kicked out of Elton John’s Oscar occasion

Outer Banks stars Chase Stokes & Maddie Cline explain why it’s binge-worthy

We think it will be a long, long time Hunt Stokes may appear again at Elton John‘s famous post-Oscar Shindig.

The 28-year-old Outer Banks star swung from Jimmy Kimmel Live on Thursday, July 22nd Anthony Anderson brought up Chase’s humble beginnings as a struggling actor in Los Angeles before landing his career-defining role on the popular Netflix series, which launches its second season next week.

Chase even remembered living in a parking garage at the famous intersection of Hollywood Boulevard. and Highland Ave. “every now and then for about two months” while struggling to make ends meet as Thespian. As it turned out, he had a strategy of where to park his car before falling asleep in the back seat.

“You don’t want to park in the corner, do you?” Persecution declared. “Because then suddenly the parking attendant says: ‘That guy is sure to sleep in here. So I found a different parking space every day and it worked. It worked. I was never caught. “

Dow futures soar greater than 150 factors as shares intention for a 4-day successful streak

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Dow futures soar greater than 150 factors as shares intention for a 4-day successful streak

A retailer works in a booth on the floor of the New York Stock Exchange (NYSE) in New York City, USA, 13 July 2021.

Brendan McDermid | Reuters

Stock futures rose on Friday as the big averages tried to post their fourth straight day of earnings, clearing worries about economic growth earlier in the week.

Futures on the Dow Jones Industrial Average gained 155 points, or 0.5%. S&P 500 futures rose 0.5%. Nasdaq 100 futures were up about 0.5%.

The US 10-year Treasury yield rose to 1.29% on Friday, easing economic concerns raised by the bond market on Monday. The 10-year yield fell to a 5-month low of 1.13% earlier this week.

Strong gains from technology stocks kept investors optimistic amid reports from the biggest names in the industry over the next week. Twitter and Snap both rose Thursday after better-than-expected earnings reports for the second quarter. Twitter traded more than 5% higher in the premarket, while Snap shot up 16.4%.

Facebook gained 2% in premarket trading based on the results of its social media competitors. Alphabet added about 1%. Both will report next week together with Apple, Microsoft and Amazon.

Major US indices closed Thursday’s regular trading session higher and posted a three-day winning streak. The Dow was up 25.35 points, or 0.07%. The S&P 500 climbed 0.2% higher. The technology-heavy Nasdaq Composite led the markets with a gain of 0.36%.

All three US stock averages are on track to close the week in the green after recovering from last week’s losses and sharp sell-off on Monday. The Dow lost more than 700 points at the start of the week as yields fell, unsettling equity investors about the economy.

Now the average goes into Friday with an increase of 0.4% for the week and is again within 1% of a new record. The S&P 500 is up 0.9% and the Nasdaq Composite is up 1.8% over the course of the week. Both are also within 1% of a data set.

Tech stocks led the way on Thursday and appeared to do so again on Friday. Microsoft had the biggest influence on the S&P 500 and the Nasdaq on Thursday; the stock closed 1.7% higher. Salesforce had the biggest positive impact on the Dow, as software stock rose 2.6% on Thursday.

The strength of tech stocks also comes with the continued proliferation of the highly contagious Delta-Covid variant.

“We saw in the depths of the pandemic that tech stocks and their earnings did best at BMO Wealth Management,” said. “Long-term interest rates, which are falling as much as they did, also make these stocks more attractive.”

American Express, Honeywell and Kimberly-Clark will report their winnings before the bell on Friday.

Why you must swap to synthetic turf

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Why you must swap to synthetic turf

Image for article titled Why You Should Switch to Artificial Grass

Photo: red mango (Shutterstock)

Keeping a pristine lawn can be a lot of work when it comes to aerating, watering, mowing, and weeding. But there are alternatives to traditional weed, such as Desert style landscaping that requires minimal attention and watering, or Rain gardens that have plants and shrubs designed to collect rainwater and filter out toxins.

Another option that is almost maintenance free is artificial turf. No pouring is required, and while some work is required to install, it is worth it in the end. That’s why you should switch to artificial turf.

Why use artificial grass?

Saving water is one reason artificial turf is good for you, your neighborhood, and the planet. That EPA reported “The average American family uses 320 gallons of water a day, about 30 percent of which is used outdoors.” Much of this outdoor water is used for lawns and gardens. When doing the calculation, the EPA found that lawn irrigation accounts for one-third of domestic water use, a total of nine billion gallons per day.

Artificial grass doesn’t change color either. If the main reason for a healthy green lawn is its vibrancy, artificial turf can easily achieve this once it is installed. It’s made to protect against color fading so it won’t fade over time.

If you’re worried about how it feels and worried that you’re missing the natural grass between your toes, there is one many styles and types choose from. You can pick the color and length, and choose between home or golf styles, all of which simulate the feel of real grass.

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Of course there are some Disadvantages of artificial grass, including the fact that synthetic grass uses petroleum and plastics that make it non-biodegradable. Artificial grass also absorbs heat and feels much hotter than natural grass.

How to lay artificial turf

Installing artificial turf in the front area is not easy – it is labor intensive, takes time and requires special equipment. If you have the means, go with professional installation. If you want to have an idea of ​​what it is like, take a look Artificial grass storage Complete the process in their instructional video.

Before laying your artificial turf, the first thing to do is to remove all elements from the area, including grass, electrical and at a minimum four inches of the soil. Next, install a Bending board along the perimeter of the subdivided lawn to create an edge for the artificial turf to be laid.

After the border is attached, lay the base layer of “Gravel DG mix“, A mixture of sand and gravel to allow proper drainage. This layer also provides an even foundation for the lawn, so make sure it is level. Then dampen and blot the gravel mixture so that it is even and compacted. You can a. use Power tool to blot it (which you need to rent or buy) or by hand with a leveling Special rake.

This is how you lay out artificial turf

Next, lie down Weed barrier—A shift off thin cloth to prevent weeds from sticking through the lawn. Then it’s time to lay down your grass, roll it over the entire area or in sections, and then cut it to the custom fit. Try cutting an eighth of an inch too large for enough material to peg the lawn in place. Leave the lawn Sit for 30 minutes stretch in the sun. Artificial grass storage recommends cutting the lawn in half in an S shape for mobility when you have a large piece.

Nail the turf along the perimeter with nails every six inches and hammer it in three-quarters of an inch to keep the turf from pulling too tight. Then attach U-shaped nails over the joining seams to hold the two pieces together. Both types of nails are obscured by the grass and imperceptible to your eyes and feet.

After everything has been cut and laid, the final step is to apply the infill, the an antibacterial sand-like substance this helps the lawn stand upright and gives it some weight so it stays in place and feels more like real grass. Power brush the lawn so that the filling can penetrate to the ground, then spread the filling evenly with a seed spreader. Finally, run a power brush over the lawn again to make it easier to insert the filling. All of the hard work pays off in the money, water, and time you save on lawn maintenance.

Attend the Olympic opening ceremonies through the years

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Attend the Olympic opening ceremonies through the years

Let the games begin!

The 2020 Olympic Games in Tokyo are scheduled to officially begin on Friday, July 23, with the opening ceremony. At the event, teams from around the world will represent their countries as they prepare for the competition.

This historic ceremony will be the first major global gathering amid the ongoing coronavirus pandemic. And while this year’s opening ceremony is likely to be more subdued given the health crisis, it is proving more meaningful than ever. Indeed, basketball star Sue Bird and baseball players Eddy Alvarez will lead the US team as the standard bearer during the ceremony. While only one person has been selected for this role in recent years, the International Olympic Committee has made a change to encourage inclusivity.

“With 49 percent participation from women, Tokyo 2020 will be the first ever Olympic Games for women and men,” the committee said in a May statement. “For the first time, there will be at least one female and male athlete in each of the teams taking part in the games.”

What to do in case your associate spends all day on the sofa

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What to do in case your associate spends all day on the sofa

Image for article titled What To Do If Your Partner Spends All Day On The Couch

Photo: txking (Shutterstock)

Not all advice has to be professional. Sometimes your problems deserve a little blunt honesty from a guy with only a computer and a conscience. Luckily for you, I’m that guy. Welcome back to Tough Love. (If you’d like my advice email me at sblum@lifehacker.com)

Today we’re looking at the topic of a partnership where half work hard to bring in much of the family income while the other half seemingly doing very, very little. Where do you draw the line to make sure you’re not being taken advantage of?

Note: I am a columnist, not a therapist or a certified doctor. My advice should be interpreted in that sense. If you have a problem with something I say complain here. Let’s start now.

Dear sam

I’ve been in a relationship for 5 years, I think (IDRK because I can’t really keep track of things anymore). We have two children – a 2 year old boy and a 4 year old girl. But there is so much stress in our relationship that I often think of leaving and dealing with the aftermath of being a separated parent and everything that comes with it. She makes less than $ 400 a month while I make about $ 4.5,000 to $ 5,000 a month. She seldom works, maybe two nights a week at most. But I’m tired of being the only one bringing in the money.

She refuses to get another job even at night so I can take care of the children. She doesn’t want to work on weekends and most of all she’s doing the job she currently has. We rent a house for about $ 1200 a month and she never tidies it up. We spend most of the day doing God knows what. I came home to see the kids still in their pajamas and on TV. She doesn’t go to school as I asked and talked about. She literally does nothing but make sure the children stay alive. She’s mean to the kids and it’s just a constant power struggle; She has to be in control of every situation. I really have no idea what to do. I have become distant from her and don’t want to be with her much anymore. She wants to cuddle and watch TV and I prefer to do something alone. I just don’t know what to do, and it doesn’t help that I have borderline personality disorder, which means that I can completely turn my back on it and not feel bad about it.

Sincere,

PLEASE HELP

Dear PLEASE HELP,

You are in a difficult situation where you need to sit down with your partner and explain exactly why this situation feels unfair. But before doing that, you need to take the time to understand why your partner may be living the way you described them.

I’m not saying what you described to me is inaccurate, but someone who spends most of their day on the couch might be depressed or have some other type of emotional struggle. Have you asked your partner how she’s feeling lately? Lethargy and lack of motivation, as you described, are common symptoms of depression.

If you have not already done so, here’s what you need to do: Start with a sincere desire to understand. Does she have reservations about failure or some other annoying hang-up? Does she have mental health problems? Is she depressed? Approach the situation with curiosity because when something is there – and it is likely – you want to be a supportive partner, not a judgmental asshole.

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Refusal to work is one thing, but she’s at home all day with a two-year-old and a four-year-old. Keeping them alive isn’t just about putting food in their mouths – it goes way beyond that – and spending all day with kids can actually be a full-time job. You’ve also noticed that she spends all day doing “God knows what”, but her everyday life will always be a mystery if you don’t learn to communicate better with one another. Not to suggest that you aren’t trying – of course, I have very limited leeway about what your relationship is like – but to get a sense of how your partner is feeling and how she is spending her time, you need to ask.

Then, depending on what you learn, be the kind of supportive partner you would want. It sounds like you have your own mental health issues to face so you can empathize. You can also tell her how you feel in this situation – but first ask yourself how you really feel and find the right words to describe your emotions. Try to express your feelings gently, but express how you really feel. If you feel that she is “mean to the children,” ask her why she is acting this way, but do it in a non-judgmental way. You will make zero progress if you don’t communicate.

In order for you to understand your situation, you need to understand your partner. First of all, keeping your kids in pajamas isn’t the end of the world. Sure, you might expect your partner to have some kind of plans for them every now and then, but there are plenty of times when it’s okay and normal to stay home in your pajamas for a day. I’ve worked from home for the past two years and spent a lot of time not fully dressed. Does it make me feel less productive at times? Maybe, but my priorities are very different from those of a two year old.

Another thing to keep in mind is that while you may be open and honest about your borderline personality disorder, you cannot just leave it and consider the consequences. Divorce sucks, and even if you’re not married, parenting separation is a difficult thing for kids (I know from experience). Think long and hard about this aspect of your situation and know that leaving it and not thinking about the consequences, as you have noticed, is never an option. There will always be consequences and you shouldn’t ignore them.

I really hope you can progress with her before it comes to that. Try to remember why you got together in the first place and be direct and honest about how you felt about the situation. If it is conveyed from the perspective of honest emotion – it makes you feel unappreciated, etc. – you have a better chance of the message sticking. Just know that their emotions and personal situation are just as important as yours. Much luck.

That’s it for this week, but there’s a lot more Tough Love. If you’d like to be featured, please feel free to contact us by turning your dilemmas into one E-mail to me (Please include “RAT” or “TOUGH LOVE” in the subject line). Or, tweet me with the hashtag #ToughLove. Serious inquiries only: Don’t email or message me if you don’t want to be on the column. Disclaimer of liability: I can’t answer everyone, so make sure you describe a specific problem in your note. I don’t respond to generalizations like “being mean” to someone or vague descriptions of “relationship problems” without specific examples of what is hurting you. Until next time, take care!

What it is wish to dwell on an enormous boat

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What it is wish to dwell on an enormous boat

Despite booming boat sales and charters, yachting remains a mystery to most people.

CNBC spoke to several yacht owners who agreed to answer any questions about the yachting lifestyle and, perhaps more importantly, how much it costs – without a ban on topics.

The owner

Nim and Fabiola Hirschhorn are in the US Virgin Islands aboard Luna, their 2019 45-foot Lagoon 450S catamaran. The couple operate all-inclusive crewed charters in the Caribbean.

Sophie Darsy and Ryan Ellison are in the Azores on Polar Seal, a Beneteau Oceanis 40 from 2007, which is equipped for deep sea sailing. A few years ago the couple learned to sail, quit their company jobs and now report on their life at sea.

How much does a decent yacht cost?

N. Hirschhorn: It depends on some basic parameters. Is the boat used or new, in what year of construction, is it a monohull or catamaran, is it an ex-charter yacht or has it always been privately owned … do you just want to cruise or cross oceans?

The Hirschhorns operate charters in the Caribbean, with four-night trips for two guests starting at around $ 12,000.

Courtesy of Sail Luna

Luna was bought new for $ 650,000; However, we know many people who live on boats that were bought for $ 30,000 to $ 80,000.

On average, you can buy a mid-range seaworthy 45-foot monohull that can sail around the world for $ 100,000 to $ 150,000 and a catamaran of the same size for about $ 250,000 to $ 500,000. Of course, there are boats on both ends of the spectrum and at every price point in between.

A rough guide to boat buying for beginners

costs size Construction year What you should know
$ 5,000-20,000 20-30 feet 1960s to 1980s Will likely need maintenance that can easily cost as much as the boat
$ 30,000- $ 60,000 30-40 feet 1970s to 1980s The improbable boat will be ready to cruise; Budget at least 25% of the boat’s value for repairs and upgrades after purchase
$ 70,000- $ 110,000 40-50 feet 1990s to 2000s A modern entry-level boat or an older larger boat; Here the cost is a balance of age, size and features
Source: Sophie Darsy

Are there any other costs you should be aware of?

Lesson: The purchase price is only part of the budget you need to buy a yacht. When we took over our boat, the costs came faster than we knew!

American Ryan Ellison and French Sophie Darsy, now both Swedish citizens, bought their boat for $ 90,000 in 2016.

Courtesy Ryan and Sophie Sailing

In the first three years we owned Polar Seal, we spent at least $ 40,000 equipping it for cruises and ocean sailing, including:

  • A cockpit enclosure to keep the cockpit dry: $ 7,000
  • New sails: $ 8,000
  • A dinghy and an electric outboard [engine for the dinghy]: $ 5,000
  • A watermaker to make fresh water from seawater: $ 2,000
  • Lithium batteries and equipment power supplies: $ 6,000
  • A new autopilot: $ 2,000
  • A life raft: $ 2,500
  • Security and communications equipment: $ 3,000

If you’re looking to buy a boat, keep at least 30% of your budget for maintenance, repairs, and upgrades.

We also have annual costs for boat insurance (between $ 1,000 and $ 4,000, depending on location) and travel and health insurance outside of Europe ($ 1,500) and airline tickets for family visits (approximately $ 2,000 per year).

How much do you have to earn – or save – to live on a yacht for a few years?

N. Hirschhorn: Think about what it costs to live on land – how do you live? Do you like to eat in fancy restaurants and buy nice things? Chances are you’ll do the same if you live on a boat, which means your lifestyle will often cost the same. Will you anchor – which is free – or stay in marinas? Are you going to live on your savings on a sabbatical or are you working on the side? Are you a family or a couple?

Nim Hirschhorn said he pays $ 90 to $ 300 a night to moor his boat in marinas in the Caribbean.

Courtesy of Sail Luna

We have friends who lived aboard a 1984 47-foot monohull with three children for two years. The boat was $ 90,000 and they lived on $ 50,000 a year while cruising the Caribbean and anchoring all the time.

Personally, we live on about $ 100,000 a year. I know couples who live on $ 1,000 a month and families who live on $ 3,000 to $ 6,000 a month. It is not uncommon in our church to hear that life on a boat and a trip around the world costs less than life on land.

How much does the location affect the costs?

Lesson: In 2019 we spent the winter in a marina in Spain, where we could benefit from an advantageous price (300 USD per month). But the food was very cheap ($ 300 a month). We used our time at the dock to do some large boating projects and our maintenance budget increased significantly – $ 15,000 for upgrades over six months.

But we rented a car for virtually free thanks to a local deal, and our “fun activities” budget went to zero as we enjoyed inexpensive restaurants and bars with friends all over southern Spain.

Yacht owners are also on a budget, said Sophie Darsy, who along with Ryan Ellison spends about $ 3,500 a month on boat maintenance, data plans, groceries, occasional marina stops, and activities like diving, windsurfing, and car rental.

Courtesy Ryan and Sophie Sailing

Compared to when we did a three week trip to Bermuda, groceries and restaurants were very expensive. But we spent those weeks at anchor and didn’t have to pay for a marina. We haven’t spent anything on maintenance or repairs. We spent the remaining weeks of this month at sea, and since we hadn’t spent any money in those two weeks, we made our budget.

How has the pandemic affected sailing?

N. Hirschhorn: It’s more complicated … some countries have closed their seaports to visiting yachts, and some require an entry protocol, which can include prior authorization and quarantine on board for up to two weeks.

Some countries do not accept all nationalities and travelers of certain origins, which makes it difficult when we have three to four nationalities on board. Other countries only welcome vaccinated travelers.

Covid test requirements mean “we can’t do island hopping anymore,” Nim said, adding that frequent rule changes and delays in test results have made sailing logistically complicated.

Courtesy of Sail Luna

Lesson: The pandemic made sailing between countries a little more difficult, but while our options were extremely limited in 2020, we were much more fortunate in 2021.

Like the housing market, the boat market exploded in 2020 and 2021. It seems like everyone and their neighbors are buying a yacht … prices have also risen in unprecedented ways. Our boat has increased in value so much that if we sold it today we would not lose any of the capital invested.

Is it compatible to have young children in order to live full-time on a yacht?

F. Hirschhorn: There is no reason why children of all ages cannot live on a yacht. There are many families who live on boats on the water and they are usually very confident, intelligent, and worldly children who thrive in this lifestyle. There are hundreds of “children’s boats”, especially in the Caribbean [boats with families living on them].

Is there WiFi at sea?

N. Hirschhorn: Yes, we have a couple of levels of service. We have a cellular data service that can receive a signal up to 20 nautical miles offshore. Since we normally sail between the Caribbean islands, we are usually always connected. We also have two other satellite-based systems with limited WiFi but worldwide coverage.

Lesson: No! We only have wi-fi in port or at anchor if we have a data plan for the country we are currently sailing in. Out at sea we have satellite internet that allows us to download weather forecasts and basic emails, but under no circumstances watch Netflix or listen to Spotify!

Is seasickness common?

Lesson: Many sailors suffer from seasickness, and I am particularly susceptible to it. The trick is to prevent it. Once the nausea subsides, there is no way to get rid of it.

We know a lot of boat owners who are not rich at all. It’s just a different lifestyle …

Nim Hirschhorn

Captain of Sail Luna

My top tips are:

  • Take medication the night before departure and sleep well.
  • Drink lots of water and eat a lot more than usual; low blood sugar speeds up seasickness.
  • Keep yourself warm; Invest in sailing clothing and equipment that will protect you from the elements because the cold will send you to hell in no time.

Is skinny dipping allowed?

N. Hirschhorn: No, we must obey local laws and customs; However, nudity is far more common in the Mediterranean.

Lesson: It is not uncommon for us to be anchored alone in front of a lonely island. Nobody is watching, so …

What is the most common question you are asked?

N. Hirschhorn: Many ask us if we have a home on land. We love to see the surprise on their faces when we declare that Luna is our home.

European countries are “easy” to travel to, but the Caribbean can have “archaic” and costly lawsuits for yachts, Darsy said.

Courtesy Ryan and Sophie Sailing

Lesson: All of my friends have asked me if I am ever afraid of facing a storm or a large lake that would capsize our boat and honestly, before we left it was me!

But now I know that we always leave the port when we have a good weather window. In three years, 13,000 nautical miles and two ocean crossings, we’ve only sailed through stormy winds once and we did it perfectly.

What’s the biggest misconception people have about the yachting lifestyle?

N. Hirschhorn: Some people think that a yacht owner is a millionaire. We know a lot of boat owners who are not rich at all. It’s just a different lifestyle that comes with lots of bonuses but also lots of sacrifices.

Lesson: People believe that we are very rich, come from wealthy families, or make a lot of money. None of this is true. We have saved a lot of money, made some sacrifices, and continue to do so … and we are staying within budget.

When we were full-time, Ryan and I brought home comfortable salaries and lived the dream of “two incomes, no children”. We now earn less than half of what we made then and live on half of our old budget … but our lives are much richer.

Editor’s note: This interview has been edited for length and clarity.

The way to Watch ‘Ted Lasso’ for Free on PlayStation 5

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The way to Watch ‘Ted Lasso’ for Free on PlayStation 5

Image for the article titled How to Watch 'Ted Lasso' for Free on PlayStation 5

Image: apple

Season two of Apple TV’s most popular comedy, Ted Lasso, premieres tomorrow, July 23rd, on Apple TV +. Ted Lasso is one of those rare TV series loved by fans and critics alike in its first season, one that everyone swears to “watch” even though it is exclusive to a premium streaming service many people don’t have it. But if you’re one of the few people who has a PlayStation 5 in your living room, you can try Apple TV + for free for six months and catch up on the series starting today.

According to the PlayStation website, the Apple TV + advertising contract is valid for new and existing Apple TV + subscribers. The free subscription must be requested through the Apple TV app on PlayStation 5, but you can watch it on any Apple TV supported device once your account is registered for the free trial. Note that after the six months are up, you will be billed $ 5 per month to keep your subscription active.

This is a pretty cute perk for PS5 owners, but with the new console still hard to find in stock, not many users will be able to claim the deal at this point. Fortunately, the offer runs until July 22, 2022, so you can find a PS5 for a full year and sign up for the six-month free trial of Apple TV +.

If you’re already using Apple TV on the PS5, just log into the app on the PS5 and the free six months will be automatically added to your account. But if you’re not using Apple TV on PS5, we’ll walk you through the steps to get the free Apple TV + for half a year.

  1. Create an Apple ID account if you don’t already have one. You can quickly set one up here.
  2. Turn on your PS5. From the home screen, scroll to “Media” Tab.
  3. Highlight the “All apps” Square, then scroll over and choose Apple TV from the list.
  4. On the Apple TV app page, select “Download.”
  5. Wait for the download to complete, then open the Apple TV + app.
  6. Choose “Start search”, Then configure the app’s data sharing settings.
  7. Choose “Enjoy six months for free” Then sign in with your Apple ID.
  8. Once you’re signed in, you can immediately start streaming on your PS5, or sign in to Apple TV on other devices and watch there instead.

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[The Verge]

The Delta variant is likely one of the most contagious respiratory illnesses recognized, says CDC director

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The Delta variant is likely one of the most contagious respiratory illnesses recognized, says CDC director

Rochelle Walensky, director of the CDC

Source: CDC | Youtube

The Delta-Covid variant is one of the most contagious respiratory diseases scientists have ever seen, the director of the Centers for Disease Control and Prevention said Thursday.

The variant is highly contagious, mainly because people infected with the Delta strain can carry up to 1,000 times more virus in their nasal passages than those infected with the original strain, according to new data.

“The Delta variant is more aggressive and much more transmissible than previously circulating strains,” said CDC Director Dr. Rochelle Walensky reporters at a briefing Thursday. “It’s one of the most contagious respiratory viruses we know and that I’ve seen in my 20-year career.”

The Delta variant has spread rapidly in the US and currently accounts for more than 83% of the cases sequenced in the US, up from 50% in the week of July 3rd.

The seven-day average of new cases has increased by around 53% compared to the previous week and is currently 37,674 new cases per day. Hospital admissions are up 32% to about 3,500 per day from last week, and deaths are up 19% to about 240 per day over the same period.

Zoom In Icon Arrows pointing outwards

Graphic shows current data on Covid-19 in the USA.

Centers for Disease Control and Prevention

“This virus has no incentive to wear off and it remains on the lookout for the next person at risk to infect,” Walensky said.

The virus penetrates US counties with low vaccination rates, while counties with high vaccination rates have lower rates of new infections.

Three states, Florida, Texas and Missouri, with low vaccination rates account for 40% of all new cases nationwide, White House Covid Tsar Jeff Zients said. Florida alone accounted for 1 in 5 of all new cases in the US for the second straight week.

In hospitals across the country, 97% of people admitted with Covid symptoms are unvaccinated, and 99.5% of all Covid deaths are also unvaccinated.

For the past week, the five states with the highest case numbers had higher rates of people getting re-vaccinated compared to the national average.

“We are at another pivotal moment in this pandemic as cases are picking up again and some hospitals are reaching capacity in some areas. We need to come together as a nation,” Walensky said.

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