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forex

Forex Options Trading – Essential of Forex Trading Knowledge

It was an odd sight up to now to witness prospects exchanging stacks of cash with their brokers at public locations such because the worldwide bus terminus,Guest Posting distinguished official buildings and even on the airports. These brokers have been ready to promote you the overseas forex that you really want with somewhat revenue given to them. However, all these have been modified over generations. Forex trading is now dealt with by licensed companies and unsolicited people will not be allowed to function illegally. With the invention of recent applied sciences and the approaching of pros, Forex trading is now made simpler and more systematic. It can be a lot safer to do enterprise with these professionals to forestall scams.
At the beginning stage, many of the massive companies would perform their Forex trading through the different banks and even via the main institutes that take care of funds. These institutes needed to be those that function internationally. Forex trading has attracted lots of reputation right now due to the presence of recent expertise. With the creation of the Forex Software that you will discover on the web, you’ll simply get the newest information concerning Forex trading online. This has truly developed into a platform that facilitates the exchanges of trading because it makes it straightforward so that you can seize alternatives on the spot and to implement your selections instantly.
Apart from some issues on the beginning stage, Forex trading on the web has developed into more standardized and the people who participate in Forex trading can now get a near 100% secured entry through the different companies that take care of Forex trading. The benefit of utilizing these companies is that they’re free from restrictions and provide the purchasers more freedom of alternative. As people now develop into more conscious of the usefulness of Forex trading on the web, it has helped to spice up the recognition of superior expertise. Since it has been so profitable to commerce online, more people are coming into this Forex trading platform and because of this, it has developed into commercially attainable to
Surveys have proven that more and more people are getting concerned in Forex trading. People joined for different causes and in reality, some are even beginning it as an interest. The standard Foreign Exchange Market was normally dominated by huge companies such as banks or Multi-National Companies and you do not get commoners concerned aside from brokers. However, now there are a lot of information books on the trading methodologies, in addition to development evaluation, so it is going to make it straightforward and secure for any newbies who may wish to study Forex trading online.
If you perceive the margin trading idea that you simply apply in Forex, you may truly save some huge cash on deposits. It refers back to the margin that’s traded on and this margin differs relying on the banks’ insurance policies however it is going to all the time in percentile phrases based mostly on the preliminary quantity. How a lot you’re allowed to play in Forex trading will depend on what’s the authentic quantity given by the financial institution. Let’s say a financial institution has imposed a 2% because the margin deposit. This means you’ll solely put in $20000 USD as a deposit in an effort to commerce for 2 million {dollars}. As such, it is possible for you to extend by 200% to your revenue. On the opposite hand, do you have to be unfortunate and lose cash within the Forex trading, the margin deposit of two% will imply a lack of 200% too. Whether you’re taking part in Forex trading online or offline, the foundations are identical.
So lengthy as you take part in investments, there would be the impending risks of income or losses. As it’s, the Forex dealer’s luck online will be wherever between 2 to 25% on a mean every day. As a beginner in Forex trading, it’s important that you already know that your deposit’s rates of interest will change relying on the currencies. As such, most merchants play in a couple of different currencies on the planet of Forex, which is what is called the variable forex and the Base forex. This is relevant each within the standard mode in addition to the Forex online mode. In order to be a profitable Forex dealer, you’ll need to have a capability to investigate, a excessive stage of data on the topic and your instinct to behave appropriately when the alternatives come. You should additionally be capable to make full use of your Return on Investment (ROI) in order to realize essentially the most income from this profitable monetary market.

Categories
forex

Top Forex Trading Risk to Avoid

The forex market or foreign money trading market pursues the promoting and shopping for currencies globally. Just just like inventory commerce, the principal purpose of realizing income within the international trade market is to purchase low and promote excessively.
When it involves liquidity and trading quantity, Guest Posting in the forex market is the biggest in the world. Most of the forex transactions are based on forwards, choices, forex swaps, spot transactions, and foreign money swaps. All these merchandise and devices are leveraged. Leverage is a double-edged sword. Yes, leverage offers you the facility to open a big trading place with a small quantity of capital, however on the identical time,
There are numerous dangers related to forex commerce, and leverage dangers are simply certainly one of them. In this text, we are going to discuss in regards to the prime forex dangers that each dealer should think about.
Leverage Risk
When you commerce foreign money pairs by way of leveraged merchandise, you’ll want to put in some minimal preliminary funding referred to as margin. Margin is the best way to entry vital trades in numerous foreign money pairs. Due to small modifications within the price, margin calls happen. Margin calls require merchants to pay an extra margin. Therefore, it is vitally essential that merchants use leverage with utter warning and measurement. Many new merchants suppose that leverage is a free move to speedy and expansive income. Well, this is not fairly the case. Leverage absolutely offers you the chance to open massive trading positions, but when these positions don’t work in your favor, you find yourself dropping your margin, i.e., your preliminary, Therefore, leverage trading is taken into account as one of many main forex dangers for merchants.
Interest Rate Risk. When any establishment borrows cash, the lender will cost an rate of interest on the mortgage. The fee of curiosity sometimes will depend on how a lot threat the lender is taking. On the opposite hand, debtors that entail lesser dangers pay decreased rates of interest.
Setting the monetary insurance policies in numerous nations is the job of central banks to make sure stability and development within the financial system. The fluctuations within the fee of curiosity affect the choices of the merchants.
One should perceive that the trade fee and the rate of interest work hand in hand in any financial system. Therefore, it’s essential to pay diligent consideration to rate of interest fluctuations. This means, it is possible for you to to decipher the place the big companies and establishments are investing their securities to obtain the very best returns.
Transaction Risk
Another within the listing of prime forex dangers is the dangers pertaining to transactions. These are the trade fee dangers regarding the variations between the beginning and shutting of the contract. In forex trading, the trade charges would possibly change even earlier than the settlement of the contract because the forex market goes stay for twenty-four hours a day.
The cause is that the time variations facilitate the fluctuations within the trade charges. Thus, particular person merchants, establishments, and trading companies face excessive transactional prices.
Volatility Risk
One of the key forex dangers is the volatility threat. One can describe volatility threat because of the variety of modifications or fluctuations that happen within the market. Even though volatility within the market is seen as a dangerous factor, it additionally has some constructive influences. Without volatility in place, it will be not possible to commerce currencies by way of the excessive liquidity of the market. Therefore, trading in balanced volatility within the forex market can help in substantial positive aspects. On the opposite hand, extraordinarily excessive volatility that hits the market when some huge change or announcement takes place will be immensely harmful to forex merchants and buyers.
Broker Risk
Another within the listing of prime forex dangers is the chance related to the forex dealer or monetary service supplier. If one goes with a mistaken forex dealer concerned in fraudulent actions, one can find yourself dropping all of the capital and income. Therefore, it’s essential to pursue commerce with a regulated and respected dealer.
If you might be searching for a monetary dealer to pursue forex or some other commerce, we advocate HFTrading. HFTrading is an extremely regulated dealer providing commerce in an expansive vary of devices like foreign money pairs, commodities, metals, shares, indices, ETFs, CFDs, and extra.
Counterparty Risk
A counterparty is any firm in an international trade transaction that renders the asset to the dealer. Counterparty threat entails the chance from the dealer or monetary service supplier, or the supplier concerned in a specific transaction. the chance is current within the solvency of the maker of the market. During sheer volatility, the counterparty would possibly refuse to stick to the contract.
Devaluation Risk
In the listing of prime forex dangers lastly, we are going to shed some gentle on the devaluation threat. Devaluation happens when a rustic alter its foreign money downward as in comparison with one other nation’s foreign money in utter deliberation.
Devaluation is a monetary coverage software utilized by nations that have a set trade fee. One of the principles of the explanation why the federal government devalues its foreign money is to cease the imbalances in trades. Devaluation of foreign money leads to a discount in exports of the nation, making them cheaper and extra aggressive within the worldwide markets.
So when devaluation happens, rates of interest are hiked as much as maintaining inflation in management. Sometimes, devaluation is a result of utter competitors through which nations devalue their currencies in response to the devaluation of neighboring nations’ foreign money. This results in world points within the markets. Therefore, you could put utter consideration into the nations which can be devaluing their currencies.
Conclusion
With this quite lengthy listing of forex dangers, the losses within the forex market could also be larger throughout the preliminary occasions. Due to excessive leverages working within the market, a small preliminary price can result in large losses as a result of illiquid belongings. Moreover, the time variations and political dangers related to the forex market can have lasting impacts on numerous currencies. Yes, the forex market has the very best trading quantity, however, the dangers are excessive too.

Categories
Business

Dow Jones Falls, Tech Stocks Sell Off To Kick Off Week

 

The Dow Jones Industrial Average dropped Monday, as the stock market paused after a two-day bounce off correction lows.



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Twitter (TWTR) stock dropped more than 4% after Elon Musk said the company’s legal team accused him of violating a nondisclosure agreement. On Friday, Musk said his $44 billion deal to acquire Twitter was on hold due to questions regarding the number of fake accounts.

electric-vehicle giant Tesla (TSLA) traded down around 1% Monday morning.

Elsewhere, Dow Jones tech leaders Manzana (AAPL) and microsoft (MSFT) traded down 0.9% and 0.85%, respectively, in today’s stock market. Meanwhile, McDonald’s (MCD) shares slipped a fraction after the company said it would quit Russia and sell its business there over its invasion of Ukraine.

As the stock market correction attempts to find a bottom, Dow Jones leaders Chevron (CLC) and Merck (MRK)—along with Cheniere Energy (LNG), Eli Lilly (LLY), Exxon Mobil (XOM) and Northrop Grumman (NOC) — are among IBD’s top stocks to watch for Monday.

Eli Lilly and Microsoft are IBD Leaderboard stocks. Exxon and Merck were featured in last week’s Stocks Near A Buy Zone column. Eli Lilly was Wednesday’s Stock of the Day.

Dow Jones Today: Treasury Yields, Oil Prices

After Monday’s open, the Dow Jones Industrial Average moved down 0.6%, while the S&P 500 fell 0.7%.The Nasdaq sold off 1% in morning trade.

Among exchange-traded funds, the Nasdaq 100 tracker Invesco QQQ Trust (QQQ) fell 0.9%. The SPDR S&P 500 ETF (SPY) fell 0.7%.

The 10-year Treasury yield ticked lower than 2.9% Monday morning. The 10-year Treasury yield snapped to a four-day losing streak Friday, jumping to 2.93%. Meanwhile, US oil prices shed less than 1%, with West Texas Intermediate crude holding above $109 a barrel after a three-day advance.

Stock Market Rally Attempt

The major stock indexes finished with strong gains Friday. The Dow Jones Industrial Average rallied 1.5%, snapping a six-day decline, while the Nasdaq catapulted 3.8%.

Friday’s The Big Picture column commented, “So while many investors have likely raised quite a lot of cash and are afraid to touch equities, the market still needs a new host of excellent companies that show the key elements of CAN SLIM investing: rising fundamentals, outperformance vs. most stocks today, and evidence of rising fund ownership.”

If you’re new to IBD, consider taking a look at its stock trading system and CAN SLIM basics. Recognizing chart patterns is one key to the investment guidelines. IBD offers a broad range of growth stock lists, such as Leaderboard and SwingTrader.

Investors also can create watchlists, find companies nearing a buy point, or develop custom screens at IBD MarketSmith.


Five Dow Jones Stocks To Watch Now


Dow Jones Stocks To Watch: Chevron, Merck

Dow Jones leader and energy giant Chevron is in a flat base that has a 174.86 buy point, according to IBD MarketSmith chart analysis. CVX shares traded up 1.9% Friday, extending a win streak to four sessions. Shares bullishly regained their 50-day line and are about 4% away from the latest entry. Chevron shares rose 1% Monday morning.

Drug leader Merck remains above a cup-with-handle’s 89.58 buy point after shares fell 0.5% Friday. The 5% buy area goes up to 94.06. Shares gained nearly 1% early Monday. One positive signal, the stock’s relative strength line hit another high last week, indicating big stock market outperformance during the current stock market correction.

MRK stock boasts a 98 out of a perfect 99 IBD Composite Rating, per IBD Stock Checkup. Investors can use the IBD Composite Rating to easily gauge the quality of a stock’s fundamental and technical metrics.


Three Top Growth Stocks To Watch In The Current Stock Market Correction


Stocks To Watch: Cheniere, Eli Lilly, Exxon, Northrop

Cheniere Energy is one of the market’s top stocks to watch, even as it continues to trade below its 50-day line. Shares moved up 2.7% Friday, but remain below their 50-day line, as they continue to etch a flat base that shows a 149.52 buy point, according to IBD MarketSmith chart analysis. LNG shares moved up 1.1% Monday.

IBD Leaderboard stock Eli Lilly is holding just above a prior cup base’s 284 buy point and is trying to maintain its 50-day line. The stock’s RS line hit a new high last week. Eli Lilly stock was up 1% Monday morning.

Energy giant Exxon Mobil remains below a cup with handle’s 89.90 buy point despite a 3% gain on Friday. The stock found much-needed support at its key 50-day line. XOM shares inch higher Monday.

Defense contractor Northrop Grumman continues to etch a cup with a handle with a 477.36 buy point. Shares are just below their 50-day line after Friday’s 0.5% rise. Northrop shares were up 0.4% early Monday.


Join IBD experts as they analyze leading stocks in the current stock market correction on IBD Live


Tesla Stock

Tesla stock lost around 1% Monday morning following Friday’s near-6% advance. Shares remain sharply below their 50- and 200-day lines amid their recent weakness.

The stock traded as high as 1,243.49 on Nov. 4 and is about 38% away from that all-time high.

Dow Jones Leaders: Apple, Microsoft

Among Dow Jones stocks, Apple shares rallied more than 3% Friday after falling to their lowest level since October 2021 on Thursday. The stock is sharply below its 200-day line and about 20% off its 52-week high. Apple stock fell 0.9% Monday.

Software leader Microsoft ended a two-day slide Friday, rising 2.3%. The stock closed about 25% off its 52-week high. MSFT shares moved down 0.85% Monday morning.

Be sure to follow Scott Lehtonen on Twitter at @IBD_SLehtonen for more on growth stocks and the Dow Jones Industrial Average.

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Top Growth Stocks To Buy And Watch

Learn How To Time The Market With IBD’s ETF Market Strategy

Find The Best Long-Term Investments With IBD Long-Term Leaders

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How To Research Growth Stocks: Why This IBD Tool Simplifies The Search For Top Stocks

Categories
Economy

EU growth forecast cut as war in Ukraine fuels inflation | European Union

The growth prospects for the EU have been revised sharply downwards after Russia’s invasion of Ukraine put paid to hopes of a strong and sustained recovery from Covid-19 over the next two years.

Rocketing energy prices as a result of the conflict have pushed up inflation and increased economic headwinds during a period when they were expected to subside, the European Commission said in its latest forecasts.

The commission now expects 2022 growth of 2.7% in the 19-nation euro area and the broader 27-country EU – down from a forecast of 4% three months ago.

But it said a complete cut in supplies of Russian gas would shave a further 2.5 points off growth – bringing the economy to a virtual standstill this year.

With many European countries heavily dependent on Russian energy exports, growth is expected to slow further next year – to 2.3% in the EU and the euro area.

EU GDP chart

Inflation, already at its highest in the euro area since the creation of the single currency more than two decades ago, is expected to average 6.1% this year, up from 3.5% in the last set of commission predictions in February. EU-wide inflation is expected to average 6.8%. Inflation would average close to 10% in the event of a Russian gas ban, the commission said.

“The outlook for the EU economy before the outbreak of the war was for a prolonged and robust expansion. But Russia’s invasion of Ukraine has posed new challenges, just as the Uunion had recovered from the economic impacts of the pandemic,” it said in a statement.

The fastest growing countries in the EU this year are expected to be Portugal, at 5.8%, and Ireland (5.4%), with Estonia (1%), Germany and Finland (both 1.6%) forecast to be the weakest.

Valdis Dombrovskis, an EU trade commissioner, said: “There is no doubt that the EU economy is going through a challenging period due to Russia’s war against Ukraine, and we have downgraded our forecast accordingly.

“The overwhelming negative factor is the surge in energy prices, driving inflation to record highs and putting a strain on European businesses and households. While growth will continue this year and next, it will be much more subdued than previously expected. Uncertainty and risks to the outlook will remain high as long as Russia’s aggression continues.”

News of the gloomier outlook for the EU came in after signs of a rapid slowing in the world’s second biggest economy, China.

Analysts had penciled in an annual decline in retail sales of 6% in April as a result of lockdowns and falling consumer confidence but official figures showed the fall was almost twice as big at just over 11%.

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The closure of factories meant industrial production fell by 2.9% year on year in April – the biggest fall since the early months of the pandemic in 2020. Meanwhile, the unemployment rate – a closely watched indicator by the Chinese authorities – rose from 5.8% to 6.1%.

Iris Pang, an analyst at ING, said she expected China’s gross domestic product – a measure of its growth rate – to be 1% lower in the second quarter of 2022 than a year earlier.

“The main reason is the long lockdown in Shanghai,” Pang said. “This hurt retail sales the most, and also those factories that do not have ‘closed-loop operation’; if they don’t have dormitories for workers, they struggle to operate.”

Categories
Physics

What Is the Multiverse? Is It Just Science Fiction, or Does It Really Exist?

Doctor Strange in the Multiverse of Madness

Doctor Strange in the Multiverse of Madness. Credit: Marvel Studios

Whether you need a new villain or an old Spider-Man, your sci-fi movie will sound more scientifically credible if you use the word multiverse. The Marvel multiverse puts multiple different versions of our universe “out there,” somewhere. In these films, with the right blend of technology, magic, and imagination, travel between these universes is possible.

For example (spoilers!), in Spider-Man: No Way Home, we discover there are other universes and other Earths, some of which have their own local Spider-Man. In the universe of the movie, magic is possible.

This magic, thanks to a misfiring spell from superhero Dr. Strange, causes some of the other Spider-Men to be transported into our universe, along with a few supervillains.

In Doctor Strange in the Multiverse of Madness (in cinemas now), the universe-on-universe buffoonery threatens a “desecration of reality.”

So, which of these ideas has Marvel based on science, and which ones are just pure fiction?

Multiverse lite: a really big universe

Could there be other Earths? Could there be other people out there, who look a lot like us, on a planet that looks like ours? Scientifically, it’s possible, because we don’t know how big our universe actually is.

We can see billions of light years into space, but we don’t know how much more space is out there, beyond what we can see.

If there is more space out there, full of galaxies, stars, and planets, then there are more and more chances for Another-Earth to exist. Somewhere. With enough space and enough planets, any possibility becomes likely.

The fiction of the Marvel multiverse stems from the ability to travel between these other earths. There’s a good reason why Dr. Strange needs to use magic for this.

According to Albert Einstein, we can’t travel through space faster than light. And while more exotic ways to travel around the universe are scientifically possible – wormholes, for example – we don’t know how to make them, the universe doesn’t seem to make them naturally, and there is no reason to think they’d connect us to Another-Earth rather than some random part of empty space.

So, almost certainly, if Another-Earth is out there somewhere, it’s unimaginably far away, even for an astronomer.

Dr. Strange in Multiverse of Madness

In Dr. Strange in the Multiverse of Madness, the multiverse is breached by various magical spells and special abilities. Credit: Marvel Studios

Changing the laws of nature

The Marvel multiverse might seem wild, but from a scientific perspective, it’s actually too tame. Too normal. Too familiar. Here’s why.

The basic building blocks of our universe – protons and neutrons (and their quarks), electrons, light, etc. – are able to make amazing things, such as human life. Your body is amazing: energy-gathering, information-processing, mini-machine building, self-repairing.

Physicists have discovered that the ability of our universe’s building blocks to make life forms is extremely rare. Just any old blocks won’t do.

If electrons had been too heavy, or the force that holds atomic nuclei together had been too weak, the stuff of the universe wouldn’t even stick together, let alone make something as marvelous as a living cell. Oh, indeed, cualquier cosa that could be called alive.

How did our universe get the right mix of ingredients? Perhaps we won the cosmic lottery. Perhaps, on scales much bigger than what our telescopes can see, other parts of the universe have different building blocks.

Our universe is just one of the options – a particularly fortunate one – among a multiverse of universes with losing tickets.

This is the scientific multiverse: not simply more of our universe, but universes with different fundamental ingredients. Most are dead, but very very rarely, the right combination for life-forms comes up.

The Marvel multiverse, by contrast, merely rearranges the familiar atoms and forces of our universe (plus a bit of magic). That’s not enough.

Spider-Man No Way Home

In Spider-Man No Way Home, three different Spider-Man’s from alternate universe (and alternate Spider-Man movie franchises) team up to battle villains from across the multiverse. Credit: IMDB

Cosmic inflation and the Big Bang

What was our universe like in the past? The evidence suggests that the universe was hotter, denser, and smoother. This is called the Big Bang Theory.

But there was a[{” attribute=””>Big Bang? Was there a moment when the universe was infinitely hot, infinitely dense, and contained in a single point? Well, maybe. But we’re not sure, so scientists have explored a bunch of other options.

One idea, called cosmic inflation, says that in the first fraction of a second of the universe, it expanded extremely quickly. If true, it would explain a few things about why our universe expands in just the way it does.

But, how do you make a universe expand so rapidly? The answer is a new type of energy field. It has control of the first moments of the universe, causes a rapid expansion, and then hands the reins to the more familiar forms of matter and energy: protons, neutrons, electrons, light, etc.

Cosmic inflation might make a multiverse. Here’s how. According this idea, most of space is expanding, inflating, doubling in size, moment to moment. Spontaneously and randomly, in small islands, the new energy field converts its energy into ordinary matter with enormously high energies, releasing what we now see as a Big Bang.

If these high energies scramble and reset the basic properties of matter, then each island can be thought of as a new universe with different properties. We’ve made a multiverse.

Everything Everywhere All At Once

Everything Everywhere All At Once (2022) is about a regular woman trying to get her taxes done, who must also battle an evil that spans across the multiverse. Credit: IMDB

So is there a Multiverse?

In the cycle of the scientific method, the multiverse is in an exploratory phase. We’ve got an idea that might explain a few things, if it was true. That makes it worthy of our attention, but it’s not quite science yet. We need to find evidence that is more direct, more decisive.

Something left over from the aftermath of the multiverse generator might help. A multiverse idea could also predict the winning numbers on our lottery ticket.

However, as Dr. Strange explains, “The multiverse is a concept about which we know frighteningly little.”

Written by Luke Barnes, Lecturer in Physics, Western Sydney University.

This article was first published in The Conversation.The Conversation

Categories
Technology

MultiVersus – Official Cinematic Trailer

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MultiVersus – Official Cinematic Trailer – YouTube新功能

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Categories
Mobile

AT&T Price Hikes Coming Soon

“If you have your cell phone service with AT&T, beware and be wary,” warns money expert Clark Howard. If you are on an older AT&T plan, know that the company is likely going to raise your monthly rates within the next few weeks.

In this article, I’ll share what we know so far about the upcoming AT&T price hikes. I’ll also share alternative phone plans to consider that may be cheaper once your current rate rises.

AT&T Customers May See Price Increases Up to 15%

If you have a standard AT&T cell phone plan, be prepared for a higher monthly payment. For most people, the price increase will start in June. While not every AT&T customer is going to see the new higher rates, many will.

“In an unprecedented move, AT&T is busting the rate plans of people who have been with AT&T for a long time and pushing through increases from somewhat marginal to around 15% in your monthly cell phone bill.”

The price increase seems to be geared toward longtime AT&T customers who have been grandfathered into old plans. The higher prices will not only bring in more revenue for AT&T but may encourage customers to upgrade to one of AT&T’s newer unlimited plans. These plans start at $50 per month for one line.

What’s unprecedented about the price hike is that historically, cell phone carriers leave you alone once you’re on a rate plan. Whatever you signed up for, you keep that price moving forward. But Clark says that there’s nothing in AT&T’s terms of service that prevents the company from breaking that tradition. So now, AT&T is pushing through these increases that range from modest to very large.

Unfortunately, it’s hard to predict how many customers will be affected by the price increase or to know if you’ll be one of them. However, if you have an older AT&T plan, you’ll likely see a higher cell phone bill beginning over the next few weeks.

Cheaper Plans on AT&T’s Network

While you may not be able to prevent the price increase on your current plan, you can always consider a more affordable phone plan. In fact, Clark says this is a great time to make the switch.

“This is a time you should re-shop your cell phone service before the AT&T price increases go in. You don’t want to be someone who just says, ‘OK, come take more money from me.’ Do not! You may find out that there are much better, cheaper plans available elsewhere or even from AT&T. This is the time that you shop as a free agent.”

If you really like AT&T’s service, there may be a new plan available that works better for you. AT&T recently unveiled the Value Plus Plan (eligible for one line only) that costs $50 per month with unlimited talk, text and data. You can check out the details here and see details on AT&T’s other unlimited postpaid plans.

AT&T also offers prepaid plans beginning as low as $25 per month. The least expensive plan includes 8GB of data each month but requires you to pay for 12 months in advance ($300 upfront). You can also pay three months in advance and get the same plan for $33 per month. You can also get 5GB of data per month for $30 with AT&T Prepaid, 15GB for $40 or unlimited for $50.

If you’re ready to really save on your monthly phone bill but like the coverage you’re getting now, consider switching to one of AT&T’s MVNOs. An MVNO (mobile virtual network operator) is a low-cost service provider that operates on the same towers as one of the big three networks.

Here are a few of the best, most affordable MVNOs that provide access to AT&T’s network:

Boost Mobile offers prepaid plans that work with AT&T’s network beginning at $100 annually. That works out to just $8.33 per month! Of course, you can expect limited data with cheaper phone plans. This plan includes unlimited talk, text and 1GB of 5G/4G LTE data per month.

If you’re shopping for a family plan, Cricket Wireless offers one of the most affordable options: $25 monthly per line for four lines. This plan includes unlimited talk, text and high-speed data, but speeds will slow during network congestion.

you can check out our full list of the best AT&T MVNOs here. If you’re ready to leave the network altogether, check out this guide to see our top picks from all three of the major cell phone service providers.

Final Thoughts

Even if you’re happy with your current AT&T plan, now is the time to make sure you’re still getting the best deal. If you’ve been on the same plan for a long time, it’s easy to become a creature of habit and don’t think about switching. In fact, this is what AT&T is relying on with the upcoming price hikes.

“AT&T wants to run your bill way up figuring you’ll just say ‘OK’ and pay more money. Do not! This is when you go shop your service and see what else is out in the marketplace.”

If AT&T offers the best service in your area, consider the AT&T Value Plus plan or a prepaid plan directly from the carrier. For even more savings, look into a few phone plans from MVNOs that operate on AT&T’s network.

At Clark.com, we have a variety of resources dedicated to helping you find the best, most affordable cell phone plan.

Here are a few quick links to help you get started as you comparison shop and decide whether or not to make the switch:

Categories
Artificial intelligence

AI tool could dramatically decrease diagnostic times for psoriatic arthritis patients

psoriatic arthritis

Credit: Unsplash/CC0 Public Domain

Researchers in Israel have shown that a new machine-learning tool can speed up the diagnosis of psoriatic arthritis (PsA) by up to four years, potentially preventing irreversible joint damage and deteriorating function for sufferers.

PsA is a progressive inflammatory condition that effects the joints and connective skin mostly in patients who suffer from psoriasis (a chronic skin disease). The most common symptoms are joint pain and swelling, which can range from mild to severe, but many patients also develop more damaging erosive joint disease and deformities.

The findings from the researchers’ study are being presented at the European Academy of Dermatology and Venereology’s (EADV) Spring Symposium in Ljubljana.

The study retrospectively researched and analyzed the medical database of Israel’s second largest health medical organization with over 2.5 million members. PredictAI analyzed the medical records of more than 2,000 confirmed PsA patients in order to train the algorithm which was then tested on a separate group of confirmed PsA patients and accurately identified 32–51% of them, one to four years prior to a clinician’s diagnosis.

The researchers developed this algorithm with the aim of shortening the time to diagnosis, which currently takes an average of 2.5 years from the onset of symptoms. 32% of patients in the study were identified four years prior to the diagnosis and 43% one year before a recorded PsA diagnosis by a clinician. When analyzing psoriasis patients’ medical records only, 51% of undiagnosed PsA patients were identified one year prior to first diagnosis

The study’s authors believe it would make the most impact when used in a primary care setting because the symptoms of PsA may be unspecific compared to rheumatoid arthritis and awareness of PsA may be lacking in community medical practice.

“It is predominantly dermatologists who treat psoriasis patients and since 10% of those patients may have PsA but not be aware of it, we have an opportunity to ask about joint pain,” said Dr. Jonathan Shapiro, dermatologist, medical advisor to Predicta Med analytics LTD and manager of the tele-dermatology service in Maccabi Healthcare Services in Israel.

“Many psoriasis patients themselves might be unaware they have PsA and will contact a general practitioner or an orthopedic specialist about joint or back pain—not linking it with their skin condition particularly since the non-specific nature of these symptoms makes it difficult for a clinician.” to diagnose upon first presentation,” Dr. Shapiro explained.

“What PredictAI brings is the opportunity to scan large medical databases and use AI methods to search for clues such as complaints of joint pain, orthopedic specialist consultations, lab results and many other parameters that can help to identify an undiagnosed PsA patient up to four years before first suspicion of PsA and can detect over 50% of these patients.”

The results have been described as “A step toward an improved treatment pathway for patients with this painful condition,” by Professor Dedee Murrell, professor of dermatology at the University of New South Wales, Sydney and Chair of the EADV Communications Committee.

“Arthritis due to psoriasis can cause permanent damage to the joints and may present years before any psoriasis in the skin is apparent,” she added.

“Early diagnosis and thus earlier treatment which could prevent pain and permanent joint destruction would be welcomed.

“I would be interested to know if these patients already had joint destruction and a randomized prospective study could be done to determine if earlier diagnosis prevented joint destruction and the future development of other co-morbidities associated with psoriasis.”

Dr. Shapiro called on the medical profession to “keep an open mind” on the benefits of decision support tools and should they flag up a potential undiagnosed condition to “consider sending these patients for further investigation.”

The team are planning to continue the research to allow the tool to increase its accuracy and sensitivity.

“Our next step is to check the performance of PredictAI on more databases worldwide which can help validate its results and improve it. We are starting a prospective study which aims at identifying currently undiagnosed PsA patients so we can consider referring them to a rheumatologist for further investigation.”


Mild psoriasis aligns well with patient-reported outcome of acceptable symptoms


More information:
eadvsymposium2022.org/scientific/programme/

Provided by European Academy of Dermatology and Venereology

citation: AI tool could dramatically decrease diagnostic times for psoriatic arthritis patients (2022, May 16) retrieved 16 May 2022 from https://medicalxpress.com/news/2022-05-ai-tool-decrease-diagnostic-psoriatic.html

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Categories
Internet

Internet Backs Wife Who Found ‘Divorce’ in Husband’s ‘Life Goals Notebook’

Marriage doesn’t come without its challenges, and it’s only natural that some turn to social media in order to seek advice. A Reddit post has recently gone viral after one woman posting as u/throwrat56971 discovered that her husband put down the word “divorce” in his “new life goal notebook.”

Since it was shared on the r/TrueOffMyChest subreddit, the post has generated a total of 13,300 upvotes as well as 1,900 comments (and counting). The OP (original poster) captioned the post: “I found the word ‘Divorce’ in my husband’s yearly goal section of his ‘Life Goals Notebook.'”

The 29-year-old woman described how she and her 33-year-old husband have been “happily married for [three years],” and how the couple was “about to try for a baby together.” However, according to the OP, her husband had recently been offered an overseas job opportunity that although “he really wanted,” he didn’t end up accepting due to the wife’s objections.

Couple arguing
An image showing a couple arguing. A Reddit post has recently gone viral after a woman discovered the word “divorce” in her husband’s “new life goal notebook.”
Getty Images/fizkes

“I told him I wasn’t going to accept leaving home and basically uprooting my life,” she said. According to the woman, the couple had since moved on and stopped talking about the issue.

To the wife’s surprise, she had then discovered that her husband wrote the word “divorce” in the yearly goal section of the “Life Goals Notebook” that he had acquired just a month prior.

“This was the biggest shock in my life so far, I haven’t brought it up to yet and I don’t know why,” the OP wrote.

“I feel awful, just completely shocked and can’t even look him in the face especially when he’s acting like nothing’s wrong,” she added.

The wife described that she is now feeling “afraid” of what the husband might be planning, finishing the post by saying: “I sense a shaky future and unstable life already. I’m so devastated right now.”

According to the latest report from the Centers for Disease Control and Prevention, there were a total of 630,505 divorces in the US in 2020, with a rate of 2.3 divorces per 1,000 total population. The data also shows that US divorce rates have fallen since before the pandemic, with 2020 accounting for 116,466 fewer divorces than in 2019.

Many users took to the comment section to offer the woman some advice and propose different solutions. Some suggested that the couple should resolve their issues before they try to conceive a child.

“Better have a conversation before children are in the picture,” one user wrote.

“Definitely. Whatever you do, DON’T try to have kids to “save the marriage.” It doesn’t do you, your husband, or your kids any favors,” another commenter agreed.

Meanwhile, one commenter suggested that the only way to “fix this is communication…either that or separation.”

Another user was trying to see things from an “optimistic” perspective, guessing that the husband could have written the word down while “upset about not being able to take the job offer” and “thinking it was private and in the heat of the moment .”

“Regardless, OP needs to have a discussion with her husband [as soon as possible],” the commenter suggested.

“My guess is he really wanted that opportunity and now realizes how bitter he is about not having a discussion about it. If he can’t move on the resentment will kill your relationship,” another user wrote.

Quite a few users also expressed sympathy towards the wife’s feelings. “It’s truly so f***ed up to me that someone who is considering divorce and has not communicated it to their partner would still be actively trying for a baby with their spouse who is completely in the dark,” one commenter wrote.

This wouldn’t be the first time that an internet user has taken their thoughts to social media to share their relationship issues. Newsweek previously wrote about how internet users criticized a husband for not helping his 15-week pregnant wife with household chores and cooking. Earlier this year, internet users backed a woman who had decided to not let her husband attend her child’s birth after he refused to get involved with the pregnancy.

Newsweek has reached out to u/throwrat56971 for comment.

Categories
Sports

Drew Brees says he ‘may play football again:’ Former Saints QB is ‘currently undecided’ on his future

New Orleans Saints legend Drew Brees hung up his cleats last March and accepted a job as an analyst for NBC. This weekend, the New York Post reported Brees would not be working for NBC in 2022, leading the former quarterback to head to Twitter and address his future. Though he said the reports were not accurate, he added that returning to the field was a possibility.

“Despite speculation from media about my future this fall, I’m currently undecided,” brees tweeted. “I may work for NBC, I may play football again, I may focus on business and philanthropy, I may train for the pickleball tour, senior golf tour, coach my kids or all of the above. I’ll let you know.”

Monday morning, new Saints head coach Dennis Allen was asked about Brees’ tweet, and he said he believes the comment was made in jest.

“My wife’s the one that told me about it because I don’t follow social media,” Allen said, via WDSU. “So I thought, ‘Well that’s interesting. That’ll bring up some questions tomorrow at the golf tournament.’ Yeah but certainly, I think it was a comment made in jest and we certainly haven’t had any conversations in that regard.”

If we are going to take Brees’ comments on returning to football seriously, then we will have to do the same for his thoughts on joining the pickleball tour. The 43-year-old surely misses playing football, but where would he play if he were to return? The Saints signed Jameis Winston to a multi-year extension this offseason, signed Andy Dalton to serve as his backup and still have Taysom Hill and Ian Book on roster as well. Could Brees come back wearing a different uniform?

It’s tough to tell if Brees is serious about a potential return to football, but now that he’s brought it up in his tweet, questions will continue to be asked. If he does return to the field, maybe Brees would be best suited to wait until a spot opens up in the middle of the season.

When Brees announced his retirement last year, he did so as the NFL’s all-time leader in career passing yards, completions and completion percentage. He has five All-Pro honors to his name, two Offensive Player of the Year awards and an MVP from Super Bowl XLIV.