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Experts say those feeling the pain of the financial crisis the most are millennials. The generation has missed major milestones that past generations enjoyed in their 30’s and 40’s as a result of dealing with two major financial crises over the past decade.However, it may not be all gloom and doom for millennials. The economic cycles the generation has experienced early on could lead them to understand the economy and markets better, potentially leveraging that to greater future gains.Many millennials graduated and entered the workforce during the 2008 Great Recession. They were just hitting their prime, and then, this pandemic and a second major financial crisis hit.“It just feels not only like we can’t catch a break, but we can’t even get started without something coming along and taking away a lot of what we worked for,” said Erin Lowry.Erin Lowry is an author and wrote the books “Broke Millennial” and “Broke Millennial Takes on Investing”.“The big thing to consider for your financial future is this will be temporary,” said Lowry. "We are going to get through this just like we got through ’08.”Surveys conducted by the Urban Institute show at least 1 in 3 millennials are struggling financially right now, and millennials as a whole have less acclimated wealth at this stage in life than the prior generation. To change that, even during this recession, Lowry believes there are a few key things millennials can do.“You do want to think about doing, and I hesitate to say it like this, but the least damage currently,” said Lowry.She recommends minimizing the amount of debt you may need to take on to get through this economic downturn. Also, protect your credit scores as much as possible by making on-time payments.Pay the minimum if needed or contact your lenders to work out agreements that will not show missed payments on your credit report. In the future, you’ll want a healthy credit score to be able to qualify for mortgage loans or auto loans at a lower interest rate.Lastly, try to still contribute to your retirement plan even if it’s a little bit. If you are in a position where every penny counts right now, think about a time in the near future when you can start to again invest. That is important because, historically, the market will rebound.To recover on a better financial footing, you want to buy when the market is low, or down, and reap the gains as the economy recovers.“After 2008, we went on to have one of the longest bull runs in stock market history,” said Lowry. "We don’t know what is going to happen after the coronavirus recession, but you don’t want to miss out on potentially huge returns.”The possible advantage of going through two recessions early in life may be a better understanding of the economy and a stronger desire to understand the market, along with learning how to use the downturn as an opportunity for future gains. 2896
Experts warned that a drop in air pollution from COVID-19 lockdowns would eventually come back as cars returned to the roads and businesses opened up. A study looking at air quality during the pandemic finds while the visible smog may have lifted in some areas, the air pollutants never really went away."It has been assumed that fewer cars on the road might have led to a decline in the level of air pollution outdoors and, in turn, reduce the number of cases of ill health linked to this pollution. However, our study -- contrary to research from places such as Wuhan in China, and Milan -- found no evidence of fine particulate air pollution declining in Scotland because of lockdown,” stated Dr. Ruaraidh Dobson, who led the study at the University of Stirling.Dr. Dobson and his group looked at the amount of fine particulate air pollution (referred to as PM2.5) in the first month of lockdown restrictions in Scotland. There was a 65 percent reduction in the number of vehicles on the roads, however there was little change in the levels of particulates.Looking at particles in the air between mid-March and mi-April of this year, then comparing that data to the same time period over the last few years, the researchers found little change in the amount of air pollution. They did notice a drop in nitrogen dioxide in 2020 samples, a compound specifically linked to car emissions.The team suggests traffic is not a key contributor to outdoor air pollution, and people may possibly be at greater risk of air pollution in their own homes from smoking and cooking appliances in small, enclosed, and poorly ventilated homes.“This could increase adverse health effects overall and also health inequalities – lower income people are more likely to smoke and to smoke indoors, and are likely to have smaller homes leading to higher PM2.5 concentrations from individual sources, due to smaller room volumes,” the study notes.The researchers express concern that if the severity of COVID-19 is related to air pollution exposure and respiratory issues, increased exposure to all sources of air pollution could increase the risk of serious complications from the disease. 2175

Fans of "Black Panther" went all out for Thursday night showings. After setting a record for first-day ticket presales, fans showed their appreciation for the movie by posing for pictures in traditional African clothing, an inspiration for the fashion of Wakanda, a fictional futuristic kingdom featured in the film.Fans used the hashtag #WakandaCameToSlay on social media, showing off their premiere fashions.Check out some creative ones below! And so it begains... #WakandaCameToSlay pic.twitter.com/rGjCwxdKE1— Craig Hill (@CraigHill2017) February 16, 2018 592
Even during this time of strong political divisiveness, lawmakers agree there should be changes to Section 230. Congressional committees have subpoenaed the CEOs and heads of major tech companies like Facebook, Twitter and Google multiple times to answer questions about possible bias, eliminating competition, allowing misinformation to flourish, etc., all trying to get to the heart of what should be done about Section 230.So, what is it?Section 230 refers to a section of just 26 words within the 1996 Communications Decency Act.It reads: “no provider or user of an interactive computer service shall be treated as the publisher or speaker of any information provided by another information content provider.”This particular section makes it so internet companies are generally exempt from liability for the material users post on their networks.Which means, if a news website article makes false malicious statements about a person, that person can sue the publication for libel. However, if that article is posted on social media and spread to hundreds of thousands of people, the person can only sue the individual who posted the article and cannot hold the social media company responsible for spreading the article.The wording of Section 230 also allows internet companies, and more specifically social platforms, to moderate their content by removing or censoring posts that are obscene, violent or otherwise violate that specific platform’s terms of service and standards, so long as the social platform is acting in “Good Samaritan’ blocking” of harmful content.This has allowed online social platforms to grow and thrive, offering a space for users to share their thoughts and opinions, without the fear that those thoughts and opinions will get the platform in trouble. The wording for Section 230 came from established case law, including a Supreme Court ruling in the middle part of the 20th Century, which held that bookstore owners cannot be held liable for selling books containing what some might consider obscene content. The Supreme Court said it would create a “chilling effect” if someone was held responsible for someone else’s content.“Today it protects both from liability for user posts as well as liability for any clams for moderating content,” said Jeff Kosseff, who wrote a book about Section 230 and how it created the internet as it is today.President Donald Trump in May signed an executive order that would clarify the scope of the immunity internet companies receive under Section 230.“Online platforms are engaging in selective censorship that is harming our national discourse,” the order reads.One of the issues raised in the executive order is the question of when does a social platform become a so-called “publisher” by making editorial decisions about the content on the platform. Those decisions include controlling the content allowed on the platform, what gets censored, and creating algorithms that spread certain content further or faster.Content publishers are held to different rules and responsibilities by the Federal Communications Commission. News publishers can be held liable for the content they share on their platform, either in print or online.The president’s executive order came after Twitter started adding a fact-check warning to his tweets that contain false or misleading information. The executive order does not allow the president to change the law, but rather encourages his administration to take a look at Section 230.Lawmakers on both sides have concerns about how social platforms are abusing the protection they receive under Section 230, and have held several committee meetings.Many experts agree Section 230 cannot just be removed.If social platforms are suddenly held responsible for the content on their sites, there could be a whole new level of moderation and censorship as they clamp down on anything remotely controversial and unproven - possibly including some of the president’s own posts.Instead, lawmakers are investigating what changes, if any, could be made to Section 230 to offer clarity for both users and internet companies, as well as set boundaries for potential liability. 4178
Even though it's still September, for some folks the Halloween plans are already in the works. Candy and decorations fill the shelves at grocery stores. The costume shops are open and creative inspiration for spooky fun can be found all over social media.Here are 13 ideas for Halloween decorations, costumes and treats that are getting attention on social media.1. These little monsters look cute and delicious with no baking required. Here's how to make Halloween Oreo pops.2. This display may require a trip to the hardware store, but the finished effect is pretty cool.3. An old pair of shoes can be magically transformed into fabulous witch shoes with a bit of paint, glue and glitter. 4. FOUND! Halloween snacks that are yummy, healthy and will look amazing at your kids or office Halloween party. 5. Admit it, you'd freak out if you walked into a bathroom and saw this. All it takes to make this display is some plastic bugs and removable adhesive.6. Here's an adorable and easy to wear costume for your little ones. Be on the lookout now to find those orange tees and hats then pick up the Cuties box from a grocery store.7. These appetizers require some prep work and supplies, but the cheesy results appear to be worth the effort.8. Glowsticks and a few supplies from the craft store can make amazing glowing ghosts to light up your front porch.9. Coordinating costumes for your kids and dogs can be fun, even if you know your dog will only keep it on for the photo.10. Here's one you can bring to the office to surprise coworkers. They won't be expecting to see this when they open the donut box.11. You can stick these inside a dark hallway or closet. These spooky eyes were made with lights from the dollar store and sharpies.12. Look for unexpected sources of inspiration for your costume, like in the produce department of your grocery store.13. These are surprisingly simple to make once you get the special baking pan. You can even use pre-made dough and make them ahead of time. Pizza skulls just might be the ultimate in Halloween cuisine. 2082
来源:资阳报