济南睾丸真菌感染(济南阴劲硬度不够怎么办) (今日更新中)

If you thought your 2020 stress would magically disappear after the yelling stopped, you might have been surprised to find that you were still worried after the results of the presidential election.“For the majority of people, the stress actually didn’t decrease,” said Vaile Wright, a psychiatrist and also a member of the American Psychiatrist Association. The group recently released some numbers that might explain your extra high heart rate.According to the survey by the APA, 17% of Americans did have their stress go down. However, almost 30% said their stress increased.And it’s not a party issue. Over 80% of Democrats, Republicans, and Independents all listed the future of our nation as a significant source of stress“It’s not just whatever side won, it happens to be everybody right now really being concerned about the future of the nation,” said Wright.And three-fourths of Americans are still seriously stressed about the pandemic“We’ve seen increased levels of stress related to the federal response around the pandemic and that really does come down to the inconsistent messaging that we’re seeing. Different people are disproportionately affected by the pandemic specifically, but I don’t think anyone is related to the stress of it, especially as the numbers continue to climb,” said Wright.But it’s not all doom and gloom. Vaile says that there are some things happening that may help lower your blood pressure.“If we can hear some more good news, health news, like effective vaccines move to the market. The more that we have information that’s clear and consistent, that’s science based and that comes from reputable sources, I think those are the kinds of things that can reduce stress,” said Wright.Better coronavirus news combined with the possibility that President-elect Joe Biden can do a better job uniting the country can give Americans something to hope for as we head into 2021. 1918

In a new study of mask usage published by the American Institute of Physics, researchers found that if 70% of people wore surgical masks, the pandemic would be "eradicated."According to the article, which was published Tuesday, investigators with the Department of Engineering at the National University of Singapore looked at studies that reviewed N95s, surgical masks, and cloth masks to see how the mask's design, material, and capability of protecting people from the virus, was.Authors Sanjay Kumar and Heow Pueh Lee found that if 70% of people wore surgical masks in public consistently, the pandemic could be eradicated. Even cloth masks, which they found to be 30% effective, could lead to a "significant reduction of COVID-19 burden."The researchers analyzed that if masks are worn, it reduces the size of fluid droplets expelled from the nose and mouth, spreading the virus in the air. The investigators said small droplets traveled a more considerable distance and were in the air longer because they became aerosolized.According to the article, the researchers found that the N95s filtered out aerosol-sized droplets, and masks made with hybrid polymer materials effectively filter particles while simultaneously cooling the face. 1250

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

In an open letter published Thursday, Syracuse University said that a large gathering of underclassmen on Wednesday night may have already derailed the school's plans to keep the campus open through the fall semester before classes have even begun. According to The Daily Orange, the school's student newspaper, more than 100 students, many of them not wearing masks, gathered on the school's quad on Wednesday night.It's unclear what event the students were attending, or why the students were crowded together.In-person classes at the school are scheduled to begin on Monday.Students at Syracuse have been asked to sign a "Stay Safe Pledge" ahead of the fall semester. In the pledge, students promised to maintain a social distance of six feet, limit gatherings to no more than 25 people and wear a face covering on campus. All students — even those who choose not to sign the pledge — could be referred to the school's Office of Student Rights and Responsibilities for not complying.In its open letter, entitled "Last Night's Selfish and Reckless Behavior," Vice Chancellor J. Michael Haynie called the gathering "unsettling.""... the students who gathered on the Quad last night may have done damage enough to shut down campus, including residence halls and in-person learning, before the academic semester even begins," Haynie wrote.Haynie closed his letter by challenging students to practice better social distancing as the semester went on."I want you to understand right now and very clearly that we have one shot to make this happen," Haynie wrote. "The world is watching, and they expect you to fail. Prove them wrong. Be better. Be adults. Think of someone other than yourself. And also, do not test the resolve of this university to take swift action to prioritize the health and well-being of our campus and Central New York community."Several other large universities have already experienced outbreaks of COVID-19 just days after welcoming students back to campus. Notre Dame shifted to remote learning after 150 students tested positive for COVID-19 after a week on campus. The University of North Carolina at Chapel Hill made a similar shift after 130 students tested positive for the virus after a week of classes. 2241

Housing and rates are worrying some economists that a recession is looming."One of the biggest concerns is the housing market," said Lindsey Piegza, chief economist for Stifel, on CNNMoney's "Markets Now" live show Wednesday. "It's throwing up a very large red flag and suggests maybe this 4% growth we saw in the second quarter is not sustainable."Home sales?have declined in four of the past five months as housing prices have grown -- but paychecks have remained stagnant. Many people can't afford to buy homes, and those who can are taking on a lot of debt to get into them.Piegza says that echoes what happened right before the Great Recession in 2008."We're not there yet, but this is what led us to the housing crash," she said.How could this happen again? Piegza believes that a decade of rock-bottom interest rates helped people forget about the dangers of borrowing too much."I don't know if we learned our lesson from the Great Recession," she said. "We are going back to a lot of the easy lending that we used to see."Although Piegza said a recession isn't necessarily imminent -- especially after quarterly growth just came in at the fastest pace in almost four years -- there are signs of waning momentum in the economy.Interest rates, for example, are starting to become a bad omen.The Federal Reserve, which finished up its two-day meeting Wednesday, is expected to raise its target rate two more times this year. Higher rates have boosted short-term US Treasury bond rates. But the longer-term bond rates haven't risen along with the shorter-term rates, because investors are growing wary about the economy over the long haul.With two more interest rate hikes planned, the Fed could boost short-term rates higher than long-term ones, inverting the so-called yield curve. An inverted yield curve has preceded every recession in modern history."We could easily be there by the end of the year," Piegza said. "I think we'll see pressure on the longer end by the end of the year, but the Fed will still be raising rates on the short end."Fed Chairman Jerome Powell has said that he is not concerned about an inverted yield curve. Piegza strongly disagrees."It is a predictive measure of a recession," she said. 2266

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