There are lots of ways to get scammed out of money these days, but it is frequently happening with payment apps.
Pew Research found that 13 percent of payment app users realized they had sent money to scammers, and 11 percent reported that their accounts had been hacked. Many more have likely been scammed without realizing it. And with authorized transactions, once the money is gone, it’s gone.
“Authorized” is the keyword here. If you authorize a transaction and unwittingly send money to a scammer, you’ll probably never see the money again.
How might a scammer trick you into authorizing a transfer? Often, fraudsters use tried and true scam tactics, simply adapting them for payment apps like Zelle or Venmo.
One common tactic is to text someone pretending to be a bank or other authority, like a tax collector, and then ask an account owner to make a transfer. A scammer might claim that you will get hit with overdraft fees or other penalties if you don’t pay up.
They might ask you to click on a link where you will then reveal banking information. They might claim that you’re simply moving money from one of your accounts to another account that you supposedly own. In reality, the scammer probably owns or can at least access the account.
Banks find themselves in a tight spot with scammed funds: They’re obligated to approve any transfer the account holder makes.
Safety First: Navigating the Intersection of Man and Machine
Robots in the Workplace: Understanding and Minimizing the Risks.
The dawn of the robotic age in workplaces presents as much a challenge as it does an opportunity. With the seamless integration of robots, especially in warehouse scenarios, the intersection between man and machine is drawing a sharp focus on safety measures. Ensuring that human workers can coexist with their mechanical counterparts without danger is now a top priority.
A deep dive into data from the Census of Fatal Occupational Injuries (CFOI) spanning a quarter of a century, from 1992 to 2017, sheds light on the potential pitfalls of the robotic age. Within this timeframe, there were 61 reported fatalities in the U.S. involving workers collaborating with robots.
Two primary scenarios have been identified as the culprits:
- Contact with Robots: A significant 60% of these fatalities occurred due to workers directly engaging with robots. The grim tally includes workers struck by robotic arms, trapped or caught in machinery, or crushed during operational hours.
- Programming and Set-Up Mishaps: The remaining 40% of the fatalities were rooted in technical errors. Whether it was a glitch in programming, software malfunctions, or improper configurations, the fallout was catastrophic for the workers involved.
Larry Layne, a seasoned researcher with NIOSH, pointed out a harrowing statistic: a staggering 78% of the fatalities happened when a robot inadvertently struck a worker, frequently during maintenance activities.
While the CFOI data might not specify the precise number of individuals working alongside robots during this era, the fatality count, although concerning, remains relatively modest given the broad integration of robotics in diverse sectors.
Addressing this, global safety mavens are amplifying their efforts. Not only are risk assessments and specialized training modules being devised, but robot manufacturers themselves are integrating novel safety mechanisms. These span the gamut from emergency halt buttons to advanced barriers and innovative presence-sensing devices that can detect human proximity and react accordingly.
As the robotics age unfolds, so does our comprehension of the associated risks. The key is to harness the potential of these machines while putting human safety at the forefront. A world where humans and robots can work in harmony is not beyond our reach, but it demands vigilance, innovation, and a commitment to prioritize safety above all else.
The Burden of Learning: America’s Student Loan Divide
Young and Old Alike: A Deep Dive into Student Loan Figures.
With student loans surpassing a staggering $1.7 trillion, one might believe this is a universally shared burden. However, the recent GoBankingRates survey paints a nuanced picture. While a majority of Americans remain free from student loan chains, a closer look reveals stark disparities across age groups.
Among the standout statistics is the figure concerning the youngest demographic. If you fall between the ages of 18 and 23, you’re statistically more likely to have student loans than not, with only 39% free from educational debt. On the brighter side, almost a third of the young debtors owe less than $10,000. The breakdown further highlights:
- 11% owe $20,001 to $30,000
- 9% owe $30,001 to $40,000
- 4% owe both in the $40,001 to $50,000 and $50,001 to $60,000 brackets
- 3% owe $60,001 to $70,000
- A combined 16% owe between $70,001 and $100,000
- 6% have debts that exceed the $100,000 mark
However, the most startling revelation isn’t about the young but about senior borrowers. A whopping 72% of loan bearers over the age of 65 owe between $20,000 and $40,000. Further, an unexpected 17% owe up to a staggering $100,000. These figures defy the conventional wisdom that older individuals have “settled” their educational dues.
These disparities in student loan figures underscore the complexity of America’s student loan landscape. It’s not just fresh graduates or young professionals shouldering educational debts. The reasons older generations acquire such debts vary from assisting younger family members’ education to pursuing further academic endeavors themselves. Regardless of age, the gravity of America’s student loan saga is felt across generations, highlighting the need for more comprehensive loan policies and assistance programs.
Farm-to-Fork Fast Track: The Rise of Short Food Supply Chains
The Sustainable and Economic Benefits of Bridging the Gap Between Producers and Consumers.
In an era marked by heightened environmental consciousness and a collective move toward ethical consumption, “local produce” is no longer just a farmers’ market catchphrase—it’s a critical component of modern sustainability efforts. A recent press release highlights an intriguing development in this space: the rise of short food supply chains. The concept, although simple, could revolutionize how we think about the food on our plates and its journey to get there. By minimizing the number of intermediaries between producers and consumers, short food supply chains promise economic gains for local farmers and a lower carbon footprint for all.
Short food supply chains enable local producers to sidestep the cost burden often imposed by multiple intermediaries, such as wholesalers, brokers, and retailers. This financial liberation boosts profit margins for farmers, enabling them to focus more on quality and potentially pass down cost savings to the consumer. For small-scale farmers who may lack the capital or infrastructure to compete with large industrial farms, this is an opportunity to level the playing field.
The environmental benefits of short food supply chains are manifold. Reduced transportation requirements directly translate to fewer greenhouse gas emissions. This concept aligns with the general trend of shrinking carbon footprints, becoming especially relevant given that food in North America travels an average of 1,600 miles from producer to consumer. Additionally, the practice incentivizes local producers to employ greener practices, such as organic crop production, further promoting environmental sustainability.
There are various formats that short food supply chains can take, including U-pick farms, farm-based shopping, home delivery, farmers’ markets, producer-hosted e-commerce sites, and subscription boxes. This diversity in options not only offers convenience but also adds a personal touch to the food shopping experience. Consumers can know exactly where their food comes from, potentially even meeting the people who grow it.
When consumers opt for these local, shortened supply chain options, the positive ripples are felt across the board. This kind of conscious shopping strengthens local economies by keeping money circulating within the community. The press release sums it up aptly: When you buy from producers that prioritize short food supply chain practices, you support both your environment and your local economy.
The rise of short food supply chains signals a promising shift toward more sustainable and economically fair food systems. While it may not completely replace the current industrial food systems overnight, it does offer a viable alternative that appeals to the growing number of conscientious consumers. So, the next time you see a farmers’ market, consider stopping by—not just for the fresh produce but also for the peace of mind that comes from knowing you’re contributing to a more sustainable and equitable food network.
Vincent van Gogh’s Starry Vision: Beyond Imagination
The reality behind the Reverie: Van Gogh’s Astronomical Precision.
At first glance, Vincent van Gogh’s iconic Starry Night may seem a mere artistic expression, a fantastical portrayal of a night sky brimming with emotion and imagination. However, one historian’s discovery suggests that the painting hides a meticulous representation of the heavens as they truly appeared.
Delving into the Night Sky
In 1985, Albert Boime, an art history professor, delved deeper into the intricate swirls and radiant stars of Van Gogh’s masterpiece. His findings? Van Gogh’s portrayal wasn’t merely a product of his vivid imagination but a precise depiction of the night sky. Despite battling his inner demons in a mental institution and dealing with the aftermath of severing his own ear, Van Gogh meticulously rendered the cosmic tableau outside his window.
According to Boime’s calculations, the painting mirrors the eastern sky as seen on June 19, 1889, at 4 a.m. Venus, a bright evening star, and constellations like Capella, Cassiopeia, and Pegasus are all painted in their rightful places, underscoring Van Gogh’s attention to detail and his intimate connection with the universe.
However, Van Gogh did make one significant departure from reality. Instead of portraying the moon in its waning gibbous phase, as it would have been seen during that time, he chose to illustrate a crescent moon. Was this a deliberate choice driven by artistic impulse, or was there another reason behind this deviation? The question remains open to interpretation.
A Symphony of Art and Science
Van Gogh’s artistry, intertwined with his observation skills, reiterates that art and science often go hand in hand. His work challenges the preconceived notion that artists rely solely on imagination. Instead, it emphasizes the value of observation and the profound connection between an artist and their surroundings.
Vincent van Gogh’s Starry Night, already revered as a masterpiece, gains an added layer of depth with the revelation of its astronomical accuracy. It stands as a testament to the keen eye of an artist who, even amidst personal turmoil, was deeply in tune with the world around him. Van Gogh’s painting is not just a portrayal of the night sky; it is a harmonious blend of emotion, observation, and precision.
The Parenthood Question: A Life-Altering Choice That’s Yours to Make
Navigating Social, Professional, and Personal Factors in the Decision to Have Children.
The decision to become a parent is often considered one of the most consequential choices in one’s lifetime. The ramifications extend far beyond the biological act of conception or the legal process of adoption, touching every aspect of your personal, financial, and even professional life. While societal pressures may paint a rosy picture of parenthood or imply it’s a foregone conclusion, the reality is far more complex. Here’s an in-depth look at the many facets you should consider before embarking on this life-altering journey.
Personal Desire vs. Societal Expectations
Whether single or in a relationship, the “biological clock” can be a loud tick in the ears of individuals as they approach their late 20s and 30s. But this monumental decision should be motivated by personal desire, not societal expectations or familial pressure. A child, while potentially enriching your life in myriad ways, doesn’t stay a cute baby forever. The responsibilities of parenthood are long-term, and it’s essential to understand your emotional readiness.
The Career Dilemma
The balancing act of managing a successful career and being a responsible parent is often easier said than done. Maternity and paternity leave can put a pause on your professional life. Moreover, not all workplaces are flexible when it comes to accommodating parents with young children. Companies like Google and Netflix have set a gold standard in parental leave policies, but many smaller firms are yet to catch up. Before you decide, investigate your employer’s stance on work-life balance and family-friendly benefits.
A Financial Balancing Act
Raising a child is expensive. Reports suggest that a middle-income family will spend an average of $233,610 to raise a child to age 18 — not including college. While some countries offer substantial parental benefits, these often cover only a fraction of the total cost. If your finances are already stretched thin, consider speaking with a financial planner to review your budget and future forecasts.
Your Well-being Matters
Parenthood is as physically and emotionally draining as it is rewarding. Sleepless nights, constant worry, and the daily demands of childcare can exacerbate pre-existing health conditions or lead to new ones. It’s not selfish to consider your well-being; your ability to care for yourself directly influences your ability to care for a child.
The Importance of a Support Network
Child-rearing is not a solo endeavor. Whether it’s the involvement of a co-parent or the support of family and friends, you’ll need a reliable network to lean on, particularly during those sleep-deprived early years. Community organizations and parental support groups can be invaluable resources for first-time parents.
Choosing to become a parent is a deeply personal decision that deserves careful, thoughtful consideration. Factors like personal desires, career implications, financial readiness, and both physical and mental well-being play a crucial role in making an informed choice. If you’re on the fence, professional guidance from psychologists or family planning advisors can offer additional insights. And remember, choosing not to become a parent doesn’t require justification; your life choices are valid in their own right.
The Imperative of Self-Care in America’s Most Hazardous Profession: Farm Work
National Farm Safety and Health Week Turns the Spotlight on Mental and Physical Well-Being in Agriculture.
National Farm Safety and Health Week, running this year from September 17 to 23, serves as a timely reminder of the often underestimated risks and challenges faced by America’s agricultural workers. According to the U.S. Bureau of Labor Statistics, agriculture ranks as the most dangerous industry in the United States, with an alarming rate of accidents and fatalities, especially during harvest season. But how can those in this high-risk field better protect themselves, both mentally and physically?
In the world of agriculture, self-care starts with the basics—adequate protective clothing and staying hydrated. Given that tasks like planting and harvesting involve repetitive motion, experts recommend regular stretching exercises to ward off injuries. Physical therapist Dr. Karen Ellis advises, “Regular stretching isn’t just a good practice for those in sedentary jobs. It’s crucial for agricultural workers as it can prevent musculoskeletal disorders and repetitive strain injuries.”
While the focus often lies on physical safety, mental well-being is equally vital. Farm work comes with its set of unique stressors: unpredictable weather patterns, seasonal deadlines, and the very reality of depending on factors beyond one’s control. Incorporating mindfulness practices into daily routines can significantly help farmers maintain focus and reduce errors, which are often the precursors to accidents.
“Mental health can’t be sidelined when talking about farm safety,” says psychologist Dr. Sarah Turner. “The unpredictability of farming activities can lead to heightened stress and anxiety, potentially compromising attention and decision-making skills.”
This year, the organizers behind National Farm Safety and Health Week have allocated each day to specific focus areas:
- Monday, September 18: Equipment and Rural Roadway Safety
- Tuesday, September 19: Health and Wellness
- Wednesday, September 20: Priority Populations
- Thursday, September 21: Confined Spaces
- Friday, September 22: Brain Health
Each topic aims to shed light on essential yet often overlooked aspects of farm safety, reinforcing this year’s theme, “No one can take your place,” urging farmers to take the necessary precautions to protect both body and mind.
In an industry as hazardous as agriculture, self-care is not a luxury; it’s an imperative. As we observe National Farm Safety and Health Week, let’s recognize that behind the statistics are real people whose well-being impacts not just them but also the communities and economies they serve. Let us consider this a call to action for not only the farming community but also policymakers and industry leaders to take the necessary steps to ensure the safety and well-being of America’s agricultural workers.