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9TO5MAC.COMPopular Honey browser extension steals creator revenue, scams users, claims investigative videoHoney is a popular browser extension owned by PayPal thats at the center of a big new controversy. As a new investigative video outlines, the extension thats meant to save users money not only misses key discounts, but also intentionally redirects affiliate funds away from creators.Video claims Honey scams users out of best deals and creators out of revenuePayPal Honey is a browser extension youve probably heard of, if not installed and used during this holiday shopping season. Its available on Chrome, Safari, and more and has grown popular for good reason.Honey promises to provide the best deals and coupons for any product you purchase online, all with just a simple clickbut its now at the center of a big controversy.As documented in a multi-year investigative video, Honey appears to have two major issues:Intentionally not providing the best dealssomething thats key to its user promiseand stealing revenue from creators by removing their affiliate linksEssentially, YouTube channel MegaLag explains how Honey employs a variety of tactics through which it not only scams users out of finding the best deals and actually saving money, but it also steals key affiliate revenue from creators by replacing their affiliate links with its own.Heres the full video:No official PayPal response yet on Honey controversyPayPal has not yet issued a formal statement regarding the video, but many of the details exposed by MegaLag seem particularly hard to refute. Especially because in at least one case, PayPal provided confirmation to MegaLag that the extensions behavior was working as intended.Unfortunately, for a browser extension that seemed to promise so much to users at so little cost, the old adage seems proven once more: if its too good to be true, it probably isnt true.What do you think of the Honey controversy? Let us know in the comments.Best iPhone accessoriesAdd 9to5Mac to your Google News feed. FTC: We use income earning auto affiliate links. More.Youre reading 9to5Mac experts who break news about Apple and its surrounding ecosystem, day after day. Be sure to check out our homepage for all the latest news, and follow 9to5Mac on Twitter, Facebook, and LinkedIn to stay in the loop. Dont know where to start? Check out our exclusive stories, reviews, how-tos, and subscribe to our YouTube channel0 Kommentare 0 Anteile 104 Ansichten
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9TO5MAC.COM2024 Apple hardware: year in reviewFrom now through December 31, save 20% on all 9to5Mac Daily Plus, 9to5Mac Happy Hour Plus, and 9to5Mac Pro annual subscriptionswith promo code HOLIDAY! Visit9to5mac.com/jointo sign up.Benjamin and Chance reflect on Apples 2024 products, focused on all the product announcements from the past twelve months. From the lows of AirPods Max to the highs of M4 iPad Pro, and the mixed reception to Apple Vision Pro. We break it all down in our last episode of the year.And in Happy Hour Plus, we talk about what we are most excited for in 2025 as rumors swirl for the iPhone 17 lineup and Apples deeper foray into the smart home.Subscribe at9to5mac.com/join.HostsChance Miller Benjamin MayoSubscribe, Rate, and Review9to5Mac Happy Hour PlusSubscribe to 9to5Mac Happy Hour Plus! Support Benjamin and Chance directly with Happy Hour Plus! 9to5Mac Happy Hour Plus includes:Ad-free versions of every episodePre- and post-show contentBonus episodesJoin for $5 per month or $50 a year at9to5mac.com/join.Feedback Submit #Ask9to5Mac questions on Twitter, Mastodon, or ThreadsEmail us feedback and questions to happyhour@9to5mac.com Add 9to5Mac to your Google News feed. FTC: We use income earning auto affiliate links. More.Youre reading 9to5Mac experts who break news about Apple and its surrounding ecosystem, day after day. Be sure to check out our homepage for all the latest news, and follow 9to5Mac on Twitter, Facebook, and LinkedIn to stay in the loop. Dont know where to start? Check out our exclusive stories, reviews, how-tos, and subscribe to our YouTube channel0 Kommentare 0 Anteile 106 Ansichten
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9TO5MAC.COMLast-minute deals: M4 Pro MacBook Pro hits best price ever, AirPods Max $169 off, AirTags, MacBook stand, moreWhile we are coming down to the wire now for holiday shipping, Best Buy has launched a surprise 48-hour flash sale with deals still arriving by tomorrow. And one of them is the best deal ever on the most affordable M4 MacBook Pro with 24GB of RAM at $300 off the list price. That offer joins up to $169 in savings on AirPods Max, ongoing 2024 lows on AirTags, a 50% price drop on Twelve Souths metal Curve SE MacBook stand, Bose and Sony headphones, plus even more. Scope it all out down below. more0 Kommentare 0 Anteile 103 Ansichten
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SCREENCRUSH.COMThe Worst Movies of 2024With 2024 winding down, and the fun job of counting down the best movies of the year already completed, its time to get to the less-fun part: Ranking the worst films of the year.Obviously a crummy movie can come from any genre; my list contains action films, superhero adaptations, dark thrillers, dopey Christmas comedies, animatedfeatures, and even a film about a confused young woman battling an evildoer whowasin the Amazon withher momwhen she was researching spiders just before she died. They truly run the gamut.Still, examining my picks now that my list is complete, I do see a recurring theme: Movies (often highly budgetedones!) that look like absolute junk. Film is a visual medium.One of the fundamental pleasures of going to the movies is lookingat beautiful and or interesting things. And yet so many of the big escapist pictures of the last year just looked ... awful. Crummy digital photography,phony special effects, unconvincing green-screen backgrounds, and on and on.Hopefully 2025 will bring better-looking movies, if not more entertaining ones. That doesnt seem like too much to ask. In the meantime, heres my list of the 12 worst movies of 2024 with theadmitted asterisk that in this era of streaming, it is literally impossible, not to mention inhumanly painful, to watchallthe contenders for this prize. For more of the worst movies of the year, make sure you check out Emma Stefanskys list on the worst Netflix movies of 2024. (Before you accuse us of being haters, weve got a list of the best Netflix movies of 2024 too.)The Worst Movies of 2024ScreenCrushs editor and critic picks the 12 worst films he saw in 2024.READ MORE: The Best Movies of 2024Get our free mobile appThe Worst Netflix Movies of 2024Netflix released a lot of movies this year. Some were great! These were not. Gallery Credit: Emma StefanskyFiled Under: Argylle, Best of 2024, Borderlands, IF, Madame Web, Rebel Moon, Red One, The Crow0 Kommentare 0 Anteile 120 Ansichten
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WEWORKREMOTELY.COMLearning Tapestry: Senior Full Stack EngineerTime zones: EST (UTC -5), CST (UTC -6), MST (UTC -7), PST (UTC -8), ART (UTC -3), UTC -4, UTC -4:30, UTC -3, UTC -2, GMT (UTC +0), CET (UTC +1)About Learning TapestryHi! We're Learning Tapestry. We're a 25+ person all-remote, global organization dedicated to making digital learning "just work" for educators and learners alike. We solve hard problems in complex education technology environments. Were a triple bottom line company: we make a profit like any good business; our work makes the world better (social impact); and we strive to create a healthy internal work environment for everyone who works here. For our staff we believe in flexible work locations and working arrangements. We empower all of our team members to manage their schedules and adjust as necessary. We're focused on results and impact, not locations and hours. We hire people with great technical ability, but we also expect everyone at Learning Tapestry to have strong character and solid communication skills. We highly value effective software architecture, test-driven development methods, and good project management methodology. We believe in having a strong CI and deployment pipeline that enables us to focus on writing good software.What We're Looking ForYoure an exceptional professional software engineer with at least 8 years of software engineering experience. Youre comfortable in multiple languages, but in particular you are strong in backend coding using Ruby on Rails, and frontend engineering React (or you are expert in an alternative frontend framework and are willing to learn/use React for some projects). Our ideal candidate is available 30-40 hours per week, with at least 4 hours overlapping with business hours in the US Eastern time zone, and at least 1 hour overlapping with business hours in the US Pacific time zone. We ask everyone who works here to be fluent or strongly proficient in written and spoken English, and easily understood by US-based speakers (we ask for this to allow everyone in the company to be able to communicate with each other, rather than having to go through intermediates). Please read through this entire job description before applying, as there is critical information about how to apply included. Please do not apply by reaching out to other emails or individuals.Required Skills and ExperienceAt least eight years of Software Engineering Experience, with a minimum of five years doing senior engineering work such as solution design, architecture, code review, full stack engineering, or similar tasks..You have very good written communication skills, fluent written English, and comfortable, clear spoken English.Must have availability that overlaps with our clients at least 4 hours/day in New York (UTC -5) and at least 1 hour/day in California (UTC -8)You can write in multiple languages fluently, efficiently, and reliably, and are expert with Ruby on Rails, and React (or similar modern JS framework).Help maintain professional standards for the entire organization.Has deep, substantial expertise in multiple programming environments.Capable of running and directing small teams of engineers for substantial projects.Capable of executing projects across multiple technical domains (full stack, data architecture, devops, etc).Has an interest and ability to learn new technical subjects when you need to solve new types of problems.Can pursue investigation and problem solving into issues to resolve them, and can also recognize when its more efficient to ask for help vs push forward to solve a problem. Believes that all technical problems are solvable with enough effort.Has humility and kindness with regards to others and their own abilities. Seeks to help others; seeks to share what they know; wants to see their work have impact in the world.Substantial, practical expertise in implementing:SQL-based databasesCan design complex data structure implementations.Can write SQL queries and make performance optimizations.Can implement standard connectivity to/from SQL servers.DevOpsDeployment and CI/CDHas a solid knowledge of designing and implementing devops pipelines, using tools such as docker, kubernetes, or related systems.Can design basic, secure (cloud) networks for web server type systems.Can develop strategies for managing cached data to optimize performance, using tools like Fastly, Cloudfront, Cloudflare, other CDNs, Varnish, or Redis.Can develop or integrate coding projects with cloud-based architecture such as AWS API Gateway, Route66 (and DNS generally), SSL certificates, cloud-based private network routing, etc.Understands basic infosec principles to design, evaluate, and operate systems securely.Solutions Design / Systems ArchitectureCan work with business analysts, product managers, and senior executives to understand the business problems and propose, adapt, and design technical solutions to meet those needs.Can translate technical concepts to non-technical audiences and simplify complex concepts without oversimplifying.Ability to explain technical issues in actionable ways to non-technical people.Can design and configure/operate the technical systems required to implement a technical solution.Understands cryptography and security enough to design systems that use existing login/identity standards securely (OAuth2, JWTs, etc).Avoids overly complex technology solutions, preferring complexity levels based on the needs of specific projects.Recognizes that the best technical solution is not always the best business solution, and can negotiate with stakeholders accordingly.Is not overly enamored with brand new technologies, and has the maturity and experience to evaluate new technology against existing solutions objectively.Can write clear, simple specifications to reflect how a system will be built.Testing and Reliability EngineeringUnderstands TDD vs manual QA Engineering, and where each is appropriate in developing software.Insists on building automated testing frameworks when necessary for software pipelines, and knows how to implement enough testing without relying on a test everything approach.Can design functional monitoring solutions for uptime management.Capable of implementing test automation using tools such as Cypress, Postman, Swagger/OpenAPI.Can write developer docs for a project to assist a new engineer in learning to develop in a codebase.Can define uptime failure recovery documentation: what to do when a system fails.Can debug and analyze production systems for faults.Can use conduct performance testing using K6, New Relic, Skylight, JMeter, and similar tools to find performance issues, design faults, and system optimizations.Bonus SkillsExperience in Ed Tech Field (Education projects)Experience with Project Management tools, such as Github boards, Trello, Asana, or Jira. (We generally use Github boards.)To ApplyApply with your resume and a cover letter. In order to be considered for this role, please specify in your cover letter the hours and times that you expect to work in this role. Please specify these days and times as US Eastern time zone times.About YouYoure comfortable in a remote work environment, with team members from different time zones. You manage your own time well and are a self-starter. You have a distraction-free place you can use for work that offers reliable Internet access (suitable for voice/video calls and development uses), either in your home or a local co-working facility.You are experienced and well-versed in the productivity tools we use, like Google Apps & Hangouts, Slack, and Harvest for time tracking.Youre fluent in written and spoken English.Please do not hesitate to apply if you do not match these requirements exactly but think you could be a good fit for this position.Equal OpportunityLearning Tapestry is an equal opportunity employer and encourages individuals of all ethnic and racial backgrounds, sexual orientations, and gender identities to apply. We are also particularly interested in individuals who have lived in or worked with underserved communities such as low-income, gender nonconforming, disabled, or indigenous peoples.0 Kommentare 0 Anteile 113 Ansichten
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WWW.CNET.COMNeed a Break From Elf and Red One? Stream These Alternative Christmas MoviesSometimes you need a break from the tried and true. Here's where are our favorite oddball Christmas films are streaming.0 Kommentare 0 Anteile 84 Ansichten
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WWW.CNET.COMBest Smart Home Gyms for 2024Our Picks Best smart home gym for strength training with free weights Tempo Studio View details See at Tempo View details Best smart treadmill NordicTrack Commercial 2450 View details $3,000 at Nordictrack View details Best smart home gym for serious weightlifters Tonal View details $3,995 at Tonal View details Best smart rowing machine Peloton Row View details $3,295 at Peloton View details Best smart exercise bike Peloton Bike View details $1,445 at Peloton View details Best smart elliptical NordicTrack Commercial 14.9 View details $2,557 at Amazon View details Best smart fitness mirror for group fitness Lululemon Studio Mirror (discontinued) View details See at Mirror View details FITNESS TRACKER DEALS OF THE WEEK Apple Watch Series 10 (GPS, 42mm, Black, S/M 130-180mm, Sports Band): $349 (save $50) Samsung Galaxy Watch 7 (Bluetooth, 44mm, Green): $243 (save $87) Garmin Instinct 2 Solar GPS Smartwatch (Graphite): $300 (save $100) Amazfit Bip 5 GPS Smartwatch (Black): $70 (save $20) Samsung Galaxy Watch 6 (Bluetooth 44mm, Graphite): $170 (save $160) Deals are selected by the CNET Group commerce team, and may be unrelated to this article. Table of Contents Sure, going to a gym consistently yields great results, but it is also time-consuming and inconvenient for many. If you are in the same boat, building a home gym can be a great solution. This is, however, pricey (especially if you are also investing in workout subscriptions) but you can do so much with your own equipment and tailor it to fit your needs. There's a lot of smart home gym equipment to choose from, ranging from strength training gear to workout mirrors. Many of them have high-tech smart features to help you get the most out of your home fitness routine. Whether you want an AI-powered personal trainer or a custom workout plan, weve tested and picked the best smart home gym equipment for you.As someone whos tested fitness equipment for years, I set out to find the best smart home gyms to invest in. Heres the rundown -- theres something for everyone, no matter your workout style or budget.Read more: Best Smart Home Gifts for the Holidays 2024What is the best overall smart home gym?Our roundup includes the best pieces of equipment across various categories: mirrors, bikes, rowing machines, treadmills and the like. These aren't comparable and there is no winner, but every product listed is the best in its category based on my expertise and rigorous testing.Best Smart Home Gyms for 2024 Photo Gallery 1/1 See at Tempo Pros Live and on-demand classes 3D sensors help correct your form and challenge you Neatly stores all your weights and accessories Cons Expensive Requires a lot of room Membership is an additional cost May not be challenging enough for more experienced lifters Subscription cost $39 per monthAccessories included ~ 42 touchscreen ~ 2 Olympic-grade adjustable dumbbells ~16 weight plates ~ 4 Pro Grip weight collars ~ 5mm workout matDimensions 72 H x 16 D x 26 WWarranty ~ Display: 12 months ~ Cabinet: 3 years ~ Barbell, collars and weights: 3 years See at Tempo The Tempo Studio is a smart home gym that resembles an armoire, meant to blend in with your home. It's an ideal smart home gym to own whether you're new or experienced with strength training. The Tempo Studio's basic package comes well-equipped with two dumbbell bars, weight collars and five sets of weight plates from 1.25 to 25 pounds. You have the option to upgrade your package to the Tempo Studio Plus or Tempo Studio Pro, which includes additional weights and accessories like a bench and a barbell. The Tempo Studio is designed to hold all of its equipment neatly so you won't need to worry about it being spread across your living room floor. The top part of the studio consists of the touchscreen, while the bottom part has a cabinet that stows the weight plates out of sight. The back of the Tempo Studio has slot-like compartments that hold the barbell and dumbbell bars securely and safely in place.I recommend making sure you have room for the Tempo Studio before purchasing because the stand itself is large and you need an additional 6 feet of space in front of the screen so your body can be detected during a workout. The Tempo Studio memberships start at $139 (including a $100 equipment fee) a month with a 12-month commitment. After 12 months, the equipment is yours to keep and the monthly cost is $39 for the training subscription. It lets you create up to six profiles, so everyone in your home can use it. Tempo also has an app that you can download (available for iOS and Android) and use while you're traveling.There are various live and on-demand classes you can choose from, including HIIT, bodyweight strength, bodyweight cardio, weightlifting, yoga, boxing, stretching and meditation. Additionally, you can customize your workout experience by creating a program based on how many days a week you want to work out and for how long, and you can split them up by body part and rest days. If you want to exercise without personalization, you can still filter the collection of workouts by activity, modifications needed (for example: lower-back friendly, pregnancy-safe), the coach, equipment and more.What makes the Tempo Studio stand out as ideal for strength training is that it uses artificial intelligence with 3D sensors to provide feedback on your form and movement during class. It can also count your reps and detect the dumbbell weights you're using. Using the Tempo Studio, I was impressed by the feedback it gave me while doing a leg workout. Although it can be challenging to stay within the 6-foot parameters of the screen, the device can detect your movement and tell you if your form needs improvement or if it's on par. It can also read the weights you're using and provides recommendations based on whether you should go heavier or lighter next time. It functions like a personal trainer and is helpful if you're new to strength training or want reinforcement on your form with certain exercises.0 Kommentare 0 Anteile 99 Ansichten
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WWW.CNET.COMIt May Be Easier to Contribute to Your 401(k) Next Year. Retirement Plan Changes Starting in 2025Get ready for changes toretirement savings plans. Starting in 2025, there are several new provisions of theSECURE Act 2.0going live for US workers. This federal legislation is designed to make it easier for Americans to manage and contribute to tax-advantaged retirement plans.Passed in 2022, the SECURE Act 2.0 aims to improve access to retirement savings vehicles. This legislation builds on changes enacted by the original SECURE Act, or Setting Every Community Up for Retirement Enhancement Act, that passed in December 2019.Some parts of the SECURE 2.0 Act have already been rolled out, but other changes will go live next January through 2027. Here's a breakdown of all the new rules for 2025 and how they will impact your savings.New required minimum distribution rulesWhen they take effect: 2023 to 2033Required minimum distributions, or RMDs, are mandatory withdrawals you're eventually required to make from retirement accounts funded with pretax money like traditional 401(k)s and traditional IRAs. Those distributions are taxed as ordinary income. RMDs exist because the IRS wants to be sure you eventually pay taxes on the money you invested.The SECURE Act 2.0 brings several changes to RMDs, including:Higher RMD age: The SECURE Act 2.0 pushed back the RMD age from 72 to 73 in 2023. But in 2033, it will increase again to 75.Lower penalties for not taking RMDs: The SECURE Act 2.0 reduced the penalty for not taking RMDs from a hefty 50% of the required distribution to 25% in 2023. If you take actions to correct the mistake in a timely manner, the penalty can be lowered to 10%.No RMDs from Roth accounts: Roth IRAs have long been exempt from RMDs, unless they were workplace Roth accounts. As of 2024, however, RMDs are no longer required for any type of Roth account. What this means for youThe change pushes back the RMD deadline. It may not affect you much if you'll tap into your retirement savings before age 73 (or 75) or if you primarily save for retirement in a post-tax Roth account. But if you want to keep your money growing for as long as possible -- for example, if you want to leave your retirement account to your heirs -- talk to a financial advisor about your options, such as a Roth conversion. It's also a good idea to talk with your tax advisor to avoid penalties.Financial incentives for 401(k) contributionsWhen it took effect: 2023The SECURE Act 2.0 allows employers to offer small financial incentives, such as gift cards, to encourage employees to save for retirement. Though the provision took effect in 2023, the IRS has since clarified that the value of these incentives can't exceed $250. Moreover, the incentives can only be offered to employees not currently enrolled in the employer's retirement plan. What this means for youSaving for retirement is vital to your financial future. If your employer sweetens the deal with an extra perk, it could help you pocket some extra money. But don't delay saving if your company doesn't offer incentives. Also, any incentive you receive is considered taxable income, so keep this in mind when you file your 2024 tax return next year.Relaxed Roth rules for employer accountsWhen they took effect: 2023A Roth retirement account is funded with money that you've already paid taxes on. As long as you follow certain rules, you get tax-free distributions in retirement. The SECURE Act 2.0 relaxes a few of these rules for employer-sponsored Roth accounts.Prior to this change, only employee contributions could go into a Roth account. Employer matching contributions had to be made in a separate pretax account. But, the SECURE Act 2.0 gave workers the option to have their employer match treated as a Roth contribution.The SECURE Act 2.0 also allows for Roth contributions to SEP IRAs and Simple IRAs, which are retirement accounts designed for small businesses and self-employed individuals. Before this change, which also took effect in 2023, you couldn't make Roth contributions to these accounts. What this means for youThe decision of whether to choose a traditional versus a Roth account for retirement boils down to whether you'd prefer to pay taxes now or later. If you're aiming to lower your tax bill for the current tax year, contribute to a traditional account. But if you want tax-free retirement income, a Roth account may make more sense.Relaxed rules for hardship distributionsWhen they took effect: 2023 to 2024When you withdraw money from a retirement account before age 59 1/2, you're often subject to a 10% penalty. The SECURE Act 2.0 makes it easier to take penalty-free distributions from retirement accounts should you experience financial hardship.Some of the new rules include:You can take distributions of up to $1,000 for certain emergency expenses without penalty and repay the amount within three years.People diagnosed with a terminal illness can take penalty-free distributions.Domestic violence survivors can withdraw up to $10,000 (indexed for inflation) or 50% of their balance without penalty.You can take penalty-free withdrawals of $22,000 if you're affected by a federally declared disaster.You can view the full list on the IRS website. What this means for youMany of these provisions are optional for employers to implement. Before you withdraw money from your workplace retirement account, check with your HR department about whether its rules allow you to take the distribution without penalty.529 to Roth IRA rolloversWhen it took effect: 2024If you're saving for your child's education in a 529 plan, you may worry about what will happen to any unused money in the account. The earnings portion of distributions that aren't for qualified education purposes are taxable as ordinary income and also subject to a 10% penalty.The SECURE Act 2.0 now lets you roll over up to $35,000 from a 529 plan into a Roth IRA for the beneficiary. You'll only be able to roll over 529 balances if you've owned the account for at least 15 years.Regular Roth IRA annual contribution limits apply. So, if you were exercising this option in 2024, you'd only be able to roll over up to $7,000, which is the 2024 limit for people younger than 50. You'd then be able to roll over amounts equal to the annual limit in subsequent years until you've hit the $35,000 maximum or depleted the account. What this means for youIf you're worried you've saved too much in a 529 plan, if your child decides not to attend college or if your child receives more financial aid than expected, 529 plan rollers can help you move that money into another tax-advantaged retirement account for the beneficiary.Student loan matchesWhen it took effect: 2024Saving for retirement can be tough when you're struggling with student loan payments, which could cause you to miss out on your employer's 401(k) match. Under the SECURE Act 2.0, if you're making a qualifying student loan payment, your employer can treat your payments as a retirement contribution that it matches in a 401(k)s, 403(b)s, government 457(b)s or Simple IRA plan. You don't even have to contribute to your workplace retirement plan for your employer to match your student loan payments as contributions.For example, if you pay $3,000 toward your student loan for the year and your employer has a 401(k) match of 50%, they could kick in $1,500 (or 50% of $3,000) to your 401(k). What this means for youThe student loan match is optional for employers. But if you think you and your colleagues would benefit, talk to your HR department about the possibility of adding the feature to your plan.Changes in catchup contributionsWhen it takes effect: 2024 to 2026Catchup contributions are additional retirement account contributions you can make once you're 50 or older. In 2024, catchup contributions are:$1,000 for individual retirement accounts, or IRAs: Historically, this limit has not been increased annually for inflation.$7,500 for most workplace plans, including 401(k)s, 403(b)s and 457(b)s: These amounts are increased annually for inflation.Beginning in 2024, the SECURE Act 2.0 will index IRA catchup contribution limits for inflation, making it likely that higher catchup contributions will be permitted. In 2025, new rules will allow higher catchup contributions of up to $10,000 (indexed annually for inflation) for workers ages 60 to 63 in most employer plans.Another change to catchup contributions will affect higher-earning workers beginning in 2026. If you earned more than $145,000 in the previous calendar year (indexed annually for inflation), you'll be required to make catchup contributions in an after-tax Roth account instead of a traditional pretax account. This means you won't get a tax deduction.If your earnings for the prior calendar year fall below this threshold, you can make contributions to a traditional or Roth account. This change was initially scheduled to take effect in 2024, but the IRS pushed it back by two years to give employers more time to comply. What this means for youThe new rules will allow you to save even more money in a tax-advantaged account as you get closer to retirement.Automatic 401(k) enrollmentWhen it takes effect: 2025If your employer has a 401(k) or 403(b) plan that was established after Dec. 28, 2022, they may be required to automatically enroll you starting in 2025.Employers can set the default contribution rate between 3% to 10% of your pretax salary, meaning they'll automatically allocate between 3% and 10% of your paycheck toward your retirement account. Unless they start with the maximum 10% rate, plans must have an automatic escalation rate of 1 percentage point per year until contributions reach 10% to 15% of pay. So if your workplace automatically enrolls you at a 3% rate, they'd need to bump that up to 4% the following year.You'll be allowed to opt out or choose a different contribution rate. Some companies, such as those with 10 or fewer employees or those that have been in business for less than three years, will be exempt from auto-enrollment. What this means for youIf you're not already contributing to your company's retirement plan, look for an email during open enrollment and adjust your contribution amount or opt-out if you're not interested. Since the provision only applies to plans established after Dec. 28, 2022, your company may not be required to auto-enroll you in its retirement account.New rules for old 401(k)sWhen it takes effect: By the end of 2024, though this deadline could be moved out.If you've ever left a job, you may have left behind money in your old employer's 401(k). The trouble is keeping track of multiple retirement accounts can get complicated. Perhaps that's why there's about $1.3 trillion in forgotten retirement assets in the US.The SECURE Act 2.0 directs the US Department of Labor to create a searchable database, allowing workers to track down their old retirement accounts by Dec. 29, 2024.The law also makes it easier for employers to "force" you out of their plan if you have a relatively low balance and leave your job. Under the old rules, former employers could roll over your 401(k) balance into an IRA on your behalf if your balance was less than $5,000. But as of Jan. 1, 2024, past employers can do so if your balance is below $7,000. What this means for youYou don't have to wait for the new database to go live to find old 401(k)s. You can use the Department of Labor's Tax Form 5500 database to search for your past employer. Or, if your old company still exists, you could simply contact them to ask for the name of their plan administrator.More 401(k) access for part-time workersWhen it takes effect: 2025Before many of the original SECURE Act provisions took effect in 2021, most retirement plans required employees to work at least 1,000 hours in a 12-month period to participate in the plan. The first SECURE Act required companies to allow employees with at least 500 hours of service in the previous three years to participate in their 401(k)s and 403(b)s.The SECURE Act 2.0 relaxes the rules even further, reducing the required years of service from three to two. However, it only applies to plans established on or after Jan. 1, 2025. What this means for youIf you work for a company that currently offers a retirement account, the new rules probably won't apply. That's because only plans established in 2025 or later are required to comply. But in the future, it's worth keeping track of your hours as a part-timer so that you won't miss out on the chance to participate.New Saver's Match When it takes effect: 2027The federal government currently encourages low- and middle-income workers to save for retirement with a tax credit called the Saver's Credit. It ranges from 10% to 50% of the amount contributed. The current maximum is $1,000 for single filers or $2,000 for married couples filing jointly.The problem is that it's a nonrefundable tax credit, which means you can only receive it to offset your tax bill. You won't get this credit back as a refund.The Saver's Credit will be replaced with a matching contribution from the federal government called the Saver's Match. It's not quite clear how all of this will work, but it's expected to be deposited into your account if you qualify, which could make it more beneficial than the current Saver's Credit. The Saver's Match isn't scheduled to take effect until 2027. What this means for youThere's not much you can do at this point since the Saver's Match won't start until 2027. In the meantime, keep track of your retirement contributions to see if you can score a break at tax time.0 Kommentare 0 Anteile 129 Ansichten
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WWW.SCIENTIFICAMERICAN.COMHow Rare Alice in Wonderland Syndrome Warps RealityDecember 23, 202410 min readHow Rare Alice in Wonderland Syndrome Warps RealityResearchers are learning what causesBy Allison Parshall edited by Jeanna BrynerAn illustration by John Tenniel depicts a scene in Alices Adventures in Wonderland. The Print Collector/Heritage Images/Alamy Stock PhotoWhen Lene was a child, she took comfort in a strange nighttime routine. While lying in bed just before she fell asleep, her bedroom would begin to warp, and her body would do so along with it. The far wall would stretch away from her head, her legs lengthening to meet it until she felt like she could touch the door with her toe if she tried. And all the while, it seemed as if she was floating in the corner, observing her distorted body.The first time I was very scared, Lene says, recalling she was between seven and nine years old at the time. I didnt tell anyone, because if I told my mom, she would just say, Eh, its nothing. She recalls that the episodes began happening every night, and eventually they became somewhat comforting. By adolescence, they had stopped, and she largely forgot about them.Then, a few years ago, Lene, now age 59, learned that her experience had a name. She was at a hospital in Denmark where she works as a secretary in the neurology department. During a meeting where she was taking notes, a neurologist mentioned a patient with something called Alice in Wonderland syndrome. Intrigued, Lene did some research on Google, where she immediately recognized her own experience.On supporting science journalismIf you're enjoying this article, consider supporting our award-winning journalism by subscribing. By purchasing a subscription you are helping to ensure the future of impactful stories about the discoveries and ideas shaping our world today.All my life, since I was a child, I had this thing I couldnt explain. And suddenly there was a word for it, Lene says. During episodes of Alice in Wonderland syndrome, the world appears distorted, in many of the same ways that are described in Lewis Carrolls famous novel, Alices Adventures in Wonderland. Bodies can morph out of shape; time can speed up or slow down; colors can fade or intensify. Often, these symptoms come with a sense of unreality called depersonalization or derealization. These distortions usually last between minutes and days and are known to be triggered by migraine, epilepsy, brain injury, drugs and infections.While its rare to be diagnosed with the conditionfewer than 200 clinical cases have been officially reported since 1955, mainly in children, and it doesnt appear in any mainstream diagnostic handbooksAlice-like symptoms appear to be relatively common. One survey study published in 1999 found that some 30 percent of participants had experienced at least one kind of visual distortion in their life. And around 16 percent of migraine patients in a recent study also reported symptoms of Alice in Wonderland syndrome throughout their life. Some researchers have theorized that Carroll experienced these symptoms himself because he was known to experience migraines.The symptoms are as fantastical as the narrative of the book, says Alberto Paniz-Mondolfi, an infectious disease physician at Mount Sinai in New York City, who has encountered the condition throughout his career. When you dont have answers, that is an enigma. And this is a condition that remains, in all of its aspects, largely unanswered.Still, researchers have begun to assemble many of the pieces of the Alice in Wonderland syndrome puzzle. The number of published studies on the condition has more than doubled since 2010, giving researchers important new insights into what causes these symptoms, says Jan Dirk Blom, a psychiatrist at Leiden University in the Netherlands and author of a 2020 book on the syndrome. And most recently, researchers have uncovered a potential answer to one of the syndromes biggest mysteries: What happens in the brain when people enter the rabbit hole?The Looking GlassWe often think that our five senses allow us to observe the world as it truly existsthat our brain is some sort of canvas or display for the reality around us, says Maximilian Friedrich, a neurologist at University Hospital of Wrzburg in Germany. But it turns out that this is not the case. Perception is an active process. The brain does not record reality through sensory input like a camera; it synthesizes, interprets and reconstructs it.This reconstruction process can go wrong in many ways, leading to the distortions common in Alice in Wonderland syndrome. Neurologists have given these distortions names: Micropsia and macropsia mean objects appear smaller or larger, respectively, than they really are. Prosopometamorphopsia happens when faces seem to twist out of shape. With dysmorphopsia, straight lines appear wavy, and with kinetopsia, stationary things appear to be in motion.Nonvisual symptoms are common, too. People might have an illusory feeling of levitating in the air or being outside of their body, or they feel like parts of their body are becoming larger, smaller or otherwise distorted. Some people report the unnerving sensation that their body is splitting in two. These symptoms can be very frighteningor simply inspire curiosity because, generally, people with Alice in Wonderland syndrome are aware that what they are feeling or seeing isnt truly happening.In 1955 psychiatrist John Todd suggested the name the syndrome of Alice in Wonderland to refer to a handful of cases involving these perceptual disturbances. In most of those cases, the person suffered from migraines or epilepsyor both. In fact, Todd cited Lewiss own history of migraines as part of the reason for the name, which captures the whimsical, eerie feeling that can be evoked by both the novel and the syndromes distortions.Alice in Wonderland symptoms themselves are generally benign, Friedrich says. Individual episodes typically stop on their own, but they can recur across someones life, especially if theyre triggered by migraine or epilepsy. In the case of a brain injury resulting from events such as strokes, the episodes may cease on their own as the brain recovers, Friedrich says.Even with benign symptoms, the syndrome can have profound effects on a persons life by shaking their perception of reality. Perhaps that is the most frightening aspect of Alice in Wonderland syndrome: that it can make us doubt the most simple, fundamental things about reality, Blom wrote in his book on the syndrome. In it, he told the story of a woman he once treated who had episodes of Alice in Wonderland syndrome several times a week since childhood, often in conjunction with epileptic seizures and migraines. The middle-aged woman, who he called Ms. Rembrandt, would have spells where she would see her body as a tiny, worm-like object dangling under a hugely bloated head. These disturbances took a massive toll on her mental health and the course of her life. Fortunately, after Blom examined her, he prescribed an antiepileptic medication that stopped the spells, allowing her to feel like she was living an ordinary life for the first time.The Alice NetworkIf you asked 10 people with Alice in Wonderland syndrome about their experiences, you would likely hear 10 very different stories, hinting at different constellations of symptoms and causes. With more than 60 possible symptoms, is it correct to think of this as one syndrome at all?One would be excused to suppose that there is little connection between these symptoms, Blom says. In fact, until recently, researchers hadnt been able to pinpoint what parts of the brain were involved in these disturbances. When Friedrich compiled brain scan and autopsy data from 37 people who had experienced Alice in Wonderland syndrome after a brain injurythe second most common cause of the syndrome in adultsthey found damage, such as lesions, in different regions across the brain, with no clear commonalities.At first, we were scratching our heads, saying, This doesnt make sense at all, Friedrich says. Wheres the unifying factor here?But a lesion that occurs in one area of the brain can also affect another. Thats because the brain is made of complex, interlocking networks, and in the past decade, researchers have finally gained the tools to map them out.You damage a spot in the brain, its going to have an effect on everything that spot in the brain is connected to, says Michael Fox, a neurologist at Harvard University. Using a technique called lesion network mapping, Friedrich, Fox and their colleagues were able to investigate those connections.It was a eureka moment for me when the results came in, Friedrich says. The researchers analysis revealed that two brain regions were highly connected with the diverse Alice in Wonderland lesions: the right extrastriate body area, a region of the visual processing system toward the back of the brain that helps to govern our perception of bodies, and the inferior parietal cortex, which is involved in perceptions of size and magnitude.It all made sense, Friedrich says. If the size processor and the body processor are both out of balance, then its an intriguing hypothesis, at least, that this could explain the changes of body size in Alice in Wonderland syndrome.Blom agrees. Even though superficially [the syndrome] may seem to be a mixed bag of individual symptoms, it is now clear the brain areas involved ... form a network of interconnected structures, he says.But what about migraine, the most common cause of Alice in Wonderland syndrome in adults? The researchers identified five instances from previous research where people with migraines had an Alice in Wonderland episode while in a brain scanner. The abnormalities in these scans had a highly significant overlap with the Alice in Wonderland network identified from the brain injury study, Friedrich explains. This overlap between the syndrome and migraine could explain why they often occur together.Theres no such thing as an Alice in Wonderland spot, Fox says. Its an Alice in Wonderland circuit. And both migraine and stroke, under the right circumstances, may be capable of impacting regions in this circuit enough to trigger those wonky perceptual symptoms, he adds.Infectious diseases, too, seem to be able to cause these disturbances. Bacteria, viruses, protozoa and prions have all been documented to trigger Alice-like symptoms in infected humans. During the COVID pandemic, doctors around the world began reporting cases of children who developed Alice in Wonderland syndrome after infection with SARS-CoV-2, the virus that causes COVID. Influenza, Epstein-Barr virus and varicella-zoster virus (which causes chicken pox) are known to be linked to the syndrome, too. Paniz-Mondolfis first encounter with the condition was during an outbreak of Zika virus in Venezuela in 2016. He treated a 15-year-old girl who had recovered from the virus but was experiencing perceptual disturbances. She was brought in by her mother, who feared the girl was possessed.Having experienced the symptoms myself, I know how freaky this can be, Paniz-Mondolfi says. On one occasion, he experienced a bizarre distortion of shapes and the sensation of his body splitting in two after accidentally smoking a cigarette laced with yopo, a plant with hallucinogenic properties, while serving as a rural physician in Venezuela.Pathogens such as Zika and SARS-CoV-2 could be acting directly on particular regions of the brain to cause these symptoms, Paniz-Mondolfi says. But he thinks the bodys inflammatory immune response is a more likely culprit. Perceptual distortions such as those of Alice in Wonderland syndrome are common in fever, for example. (Blom experienced a similar disturbance when ill with food poisoning once.) And in cases where the infection has already resolved, a long-lasting immune response to the virus could somehow affect the brain and cause these symptoms, similar to the proposed mechanism for long COVID.Curiouser and CuriouserThen theres another lingering mystery: Why does Alice in Wonderland syndrome seem to be more common in children? Paniz-Mondolfi theorizes the answer may lie in a childs tendency to mount more robust immune responses than an adult. A 2016 review of clinical cases found that encephalitis, often caused by infection with Epstein-Barr virus, was the most common cause of the syndrome in children.In many childhood cases, its not clear what may have caused the syndrome at all. Carmen Vidal Fueyo, a user experience designer based in Brussels, experienced episodes of Alice in Wonderland syndrome from the age of six until puberty. Her episodes would always begin with a sudden sense of impending doom, followed shortly by the feeling that her hands were inflating in size. Objects around the room appeared to grow large enough to suffocate her or so small as to disappear entirely. She recalls that the episodes happened every few months until she hit puberty and began experiencing migraines and vertigo.One day as a teenager, she came across a post on X (then called Twitter) that described Alice in Wonderland syndrome. I cannot even explain the feeling, she says. For so long, that was a mystery of my life. I didnt know if one day I was going to find out that I had a brain tumor. She has since revitalized a subreddit dedicated to the syndrome as a place for people to share their experiences free of judgment.For Vidal Fueyo, Alice in Wonderland syndrome wasnt a whimsical presence in her life, as the name can imply. It was not a good experience, she says. The episodes were terrifying and usually came at night. For the longest time I was afraid to go to my friends houses for sleepovers, she says. She tried communicating what was happening to her mother but struggled to explain it.Vidal Fueyo shares Paniz-Mondolfis and Friedrichs suspicions that the syndrome is more common than reported, especially in children, who may not have the language to communicate these experiences to adults.Maybe its really normal, Friedrich saysjust a part of the neurodevelopmental process in which the brain is tuning its perceptual mechanisms to perceive the world accurately. It could be that we all can get these little perceptual glitches when were young. Friedrich himself, who suffers from migraines, thinks he can recall one episode from his own childhood.Lene hasnt experienced Alice-like symptoms in decades. Yet the condition is still a part of her life. Lenes daughter, after hearing about her mothers experience, revealed that she had similar episodes when she was a child; they frightened her frequently until they ceased around adolescence. And now her five-year-old sonLenes grandsonhas begun to experience these symptoms, too. It happens when hes tired, often when the family is driving in the car.He is panicked, saying, My feet are big, oh, my feet are so big, Lene says. He cant understand it. We dont know how to tell him. How do we explain it to him?Lene reached out to Friedrich this year to explain her family's situation after finding one of his papers. Friedrich wonders if genetics play a role in why all three people have had similar experiences. Theres something to be investigated here, he says.Lene looks forward to what the researchers might find. I would like to have some answers and a very good way to explain it, she says, especially for my grandson.0 Kommentare 0 Anteile 139 Ansichten