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Humankind has worried about risk since our prehistoric ancestors commenced bartering shells. But only in the last couple of decades has risk, by design, become a globally tradable product. As former U.S. Federal Reserve Chairman Alan Greenspan put it back in 2002, “dispersion of risk to those willing, and presumably able, to bear it” acts as a shock absorber to prevent “cascading failures,” like the Great Depression in 1929. Or so goes the theory as presented by the architects of today’s global financial system....

Unfortunately, with the widespread popularity of payment apps, this is no longer true. Once criminals grab hold of your phone, they could—if you’re unlucky—access your online banking and take your money. So, how exactly do thieves use other people’s payment apps to make money for themselves? Let’s take a look. Why Are Criminals Asking to Use Your Phone? Mobile payment apps such as Zelle and Venmo have never been more popular....

The reality television show, one of many spinoffs of the very popular 90 Day Fiancé, follows several Americans as they pack their bags and leave home, all in the name of love. In Season 4 of 90 Day Fiancé: The Other Way viewers will be introduced to six new couples who plan to marry within a matter of days, even though some of them are yet to meet in person....

Most players will tend to gravitate towards one of the four Teenage Mutant Ninja Turtles: Leonardo, Raphael, Michaelangelo, or Donatello. Each turtle comes with their own unique stats and playstyles. Raphael, for instance, may not have the range of Donatello, but he more than makes up for it with raw power. Just as the turtles have their unique characteristics, April O’Neil, Splinter, and Casey Jones all bring something special to Teenage Mutant Ninja Turtles: Shredder’s Revenge....

Ask about any aspect of Islam that you are curious or doubtful about. If you are interested, ask to be referred to Muslim people with whom you have other things in common. You might benefit from speaking to Muslims of your age, gender, or cultural background. Ask yourself: Do I believe there is no God but Allah? Do I believe in the angels? Do I believe in the holy books? Do I believe in the prophets?...

Emojis have successfully established themselves as an integral part of our digital lives; they allow us to connect and express ourselves better. It is no secret that without them, our digital conversations packed with life and color would look bland. And so, we’re always looking forward to new emoji releases to help liven up our conversations. So, here’s how to check out the new Windows 11 emojis. Microsoft Rolls Out New Redesigned Emojis In a move that has been met with more criticism than praise from the internet, Microsoft has unveiled a whole new set of emojis in a post on the Windows Blog....

How to Access YouTube Desktop Version on iPhone Keep reading further to find the steps explaining how to open YouTube desktop version on iPhone and Safari YouTube desktop mode in detail with useful illustrations for better understanding. How to Access YouTube Desktop Version on iPhoneHow to Open YouTube Desktop Version on iPhone?How to Force Desktop Site for all Sites on iOS?How to Switch Back to Mobile Version from Desktop YouTube on iPhone?...

How to Activate God Mode in Windows The steps for turning on GodMode is the exact same for Windows 11, Windows 10, Windows 8, and Windows 7. If you want to use GodMode in Windows Vista, see the section at the bottom of this page for more information before you continue with these steps. Windows XP doesn’t support it. Make a new folder, anywhere you like. To do this, right-click or tap-and-hold on any empty space in any folder in Windows, and choose New > Folder....

However, have you ever typed a word that was perhaps spelled differently, such as a slang term or business name? The spellchecker may mark these words and phrases incorrect when they’re not. To avoid this annoyance, you can add the words you often use that are commonly marked as incorrect into your Google dictionary. Plus, it’s super simple and quick to do. How to Add Words to Your Google Docs Dictionary Adding words to your Google Docs dictionary is easy....

Insert a Text Watermark in MS Word Word includes several default text watermarks. Follow these steps to use one of the built-in formats or to create your own watermark. In Word, open the document to which you want to add a watermark. Go to the View tab and select Print Layout. Go to the Design tab and, in the Page Background group, select Watermark. (Depending on the version of Word, the path may be Page Layout > Page Background > Watermark....

You can view, edit, and create documents for free in Apple’s Pages, Numbers, and Keynote apps. Besides that, if you have an important, confidential file, you can easily password protect it in these apps to prevent unsolicited access.This brief tutorial shows you how to use your iPhone or iPad to add a password to documents, spreadsheets, and presentations inside Apple’s iWork suite of office applications. How to Set a Password for Documents in Pages, Numbers, and Keynote Follow these steps on your iOS or iPadOS device:...

So why not extend the fun of emojis to your files, folders, and drives on Windows? Not only is it entirely possible, but we’ll also show you how easy it is to do. How to Make Windows Your Own With a Fun Emoji Flair It’s great to customize Windows and make it your own. You can personalize various elements and features like setting up your favorite colors for title bars of windows and even enhance your desktop with cool dark themes....

If either of the cells you’re adding contains anything other than the standard =SUM() formula, you’ll have to enclose that whole formula within the parentheses of the =VALUE() function to avoid errors. Do the following in each of the cell you’re adding:[1] X Research source Double-click the cell containing the formula. If the formula is standard, such as =SUM(A1:A15), you don’t have to make any changes. If the cell contains other functions (such as IF or AVERAGE), letters, or quotes, enclose the formula within the parentheses of the =VALUE() function....

If you don’t have a Visual Basic editor, you can use Notepad ++ or download the official Visual Basic 2017 program. The “Private Class” tag in Visual Basic is similar to the “” tag in HTML. Type in Private Sub Button1_Click(sender As Object, e As EventArgs) and press ↵ Enter. Type in Handle(Button1_Click) and press ↵ Enter. Type in Dim sum As Integer and press ↵ Enter. Type in Dim a As Integer and press ↵ Enter....

If you are a student, the address should be specified somewhere in the application instructions. You can also find the address of a college’s admissions office online. However, you should call the office to double check this is the proper place to send application materials. If you are a teacher, your student should be able to provide you with this information. If your student cannot provide the information, you can also check online and call the admissions office....

These are the findings of a new national survey. The poll, which measured the core values and beliefs of 900 likely midterm election voters, found that nearly 70 percent of the electorate embraces a populist outlook, either fully or partially, which is grounded in a desire for politicians to focus on the most immediate barriers to individual advancement. These voters are most concerned with skyrocketing prices, the looming recession, and rising crime....

The first four bowlers that comprised of the fiery bowling lineup were Joel Garner, Michael Holding, Colin Croft and Sir Andy Roberts. The fact that Roberts was knighted speaks volumes about how successful a career he had amidst some of the greatest fast bowlers of all time. Roberts was in India speaking during a programme ‘An Evening with Andy Roberts’ which was organised by the Global Cricket School, Mumbai. The 64-year-old was never one to open up much, but on Saturday he took everyone present at the function by surprise by speaking a lot about the game he mastered....

The need for such an intervention is more urgent than ever. Addiction has claimed 750,000 lives since 1999, according to the Centers for Disease Control. This year, COVID-19-related developments are adding to the downward spiral. Over the last three to four months overdose deaths have increased nationwide by close to 15 percent, says Shawn Ryan, Chair of Legislative Advocacy for the American Society of Addiction Medicine. Ryan is also president and chief medical officer of BrightView Health, a 20-site treatment network in Ohio and Kentucky, long considered ground zero for the nation’s devastating opioid epidemic....

A winning long-term U.S. semiconductor strategy would position the U.S. as the most attractive place in the world for entrepreneurs to pursue disruptive new chip innovations that will define the global industry’s future. It is not enough just to bring semiconductor manufacturing back to America’s shores. We must create an environment that lowers the cost and decreases the time it takes to develop next-generation chips, so that American entrepreneurs can take the lead in building the innovations that will reshape the industry....

Compounding complications, the Bank of England announced an emergency 0.25% interest rate cut on the morning of the budget, as economists, business leaders, and politicians continue to grapple with the financial fallout of the ongoing public health crisis. Here’s what the government announced – and how it is set to impact the UK technology industry. Coronavirus response The headline announcement of the budget was around the coronavirus outbreak, and took the form of a three-point plan....