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If you're considering long-term care coverage, here's a quick reality check before you buy

If you're considering long-term care coverage, here's a quick reality check before you buy

Finance
As more people are thinking about long-term care planning for their elder years, the industry is responding with ever more options.However, complete coverage may be out of reach for most people. Younger generations are taking notice, whether to encourage their parents to prepare for possible late-life infirmities or to make preparations for themselves earlier in their own lives.Long-term care has been a hot topic since about 2000, said Brock Jolly, certified financial planner and partner and co-founder at Veritas Financial. He attributes this increased interest to market declines, modern medicine keeping people alive longer and the evolution of the LTC industry.Pricing insurance products has been tricky, he noted."The big unknown is how long the person may live," Jolly said. "Life insuranc...
Why you're hardwired to be bad at money

Why you're hardwired to be bad at money

Finance
How to save $ 1,000 this yearWhy are money decisions so stressful? No, it's not because you're broke. It's because your brain is fundamentally challenged when it comes to financial choices, according to neuroscience. And going it alone only makes it worse. "Our brains are really good at avoiding major risks and keeping ourselves alive," says Dr. Sam Barnett, a neuroscientist at Think Alike Labs and chief executive of SBB Research, a quantitative investment firm, who was the lead researcher. "Our brains were not designed to make the kind of complex decisions our financial realities demand, the kind that have many correct answers." There isn't just one right way to save money, for example. You could put your money in a shoe box, a high-yield savings account or a money market fund and each...
11 Health Words You're Saying All Wrong

11 Health Words You're Saying All Wrong

Health
Whether you get an açaí smoothie for breakfast, order a quinoa bowl for lunch, or have an uncle who recently had angina, here’s how to say it all the right way (and feel a lot less awkward in the process). There are few things that cause more self-loathing than fumbling over the pronunciation of something you order everyday—or say when you’re trying to sound smart. Whether you get an açaí smoothie for breakfast, a quinoa bowl for lunch, or have an uncle who recently had angina, here’s how to say it all the right way (and feel a lot less awkward in the process).AçaíSay it right: ah-sigh-EEThis antioxidant-packed Amazonian fruit tastes delicious in smoothies or breakfast bowls—and confounds most people trying to order it.RELATED:23 Superfruits You Need No
5 things to do right now if you're worried about the Equifax hack

5 things to do right now if you're worried about the Equifax hack

Finance
Equifax hack: What you need to knowLet's face it. There's a good chance your personal information was exposed during the Equifax data breach. The names, Social Security numbers, birth dates, addresses, and driver's license numbers for 143 million people may have been accessed. That kind of information could be used by someone else to open bank accounts, credit cards and loans in your name. The credit card numbers of an additional 209,000 people were also accessed. Those people will be notified directly. Everyone else must go to a website created by Equifax and submit their last name and last six digits of their Social Security number to find out if they were affected. If you're concerned about whether your information has landed in the hands of hackers, here are five things you can do ri...
Can new AI tell if you're gay from a photo?

Can new AI tell if you're gay from a photo?

Technology
Artificial intelligence can detect homosexuality by analysing facial features, researchers have said.In an academic study from Stanford University, the scientists claim that faces "contain much more information about sexual orientation that can be perceived and interpreted by the human brain".The team used deep neural networks, a kind of artificial intelligence algorithm, to analyse more than 35,000 facial images they had collected from a US dating site.According to the team, the AI was able to correctly distinguish between heterosexual and homosexual men in 81% of cases, and in 74% of cases for women.Human judges achieved much lower accuracy, with 61% for men and 54% for women.The researchers claim their results are consistent with the prenatal hormone theory of sexual orientation, which ...