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Best places to buy Kaspersky Anti-Virus in 2020 - Android Central

Best places to buy Kaspersky Anti-Virus in 2020 - Android CentralBest places to buy Kaspersky Anti-Virus in 2020 - Android CentralAntivirus Software Market Pin-Point Analyses of Industry Competition Dynamics to Offer You a Competitive Edge - 3rd Watch NewsAntivirus Software Market Research with Covid-19 after Effects - Apsters NewsAntivirus Software Market Scope by Trends, Opportunities to Expand Significantly by 2026 - Jewish Life NewsBest places to buy Kaspersky Anti-Virus in 2020 - Android CentralPosted: 28 Apr 2020 12:00 AM PDTKaspersky Anti-Virus is one of the best computer protection programs around, and has been thoroughly tested by several third-party labs and in our own in-house tests, too. The best place to purchase a copy of Kaspersky Anti-Virus is from Kaspersky itself. However, you can often find deals through other vendors. The trick is finding a trustworthy one, so you don't accidentally purchase and download malware instead of a legitimate copy of Kaspersky. Here a…

Liz Weston: Find free, solid money advice in uncertain times - Wilkes Barre Times-Leader

Liz Weston: Find free, solid money advice in uncertain times - Wilkes Barre Times-Leader

Liz Weston: Find free, solid money advice in uncertain times - Wilkes Barre Times-Leader

Posted: 30 May 2020 12:00 AM PDT

If you have money questions — and who among us doesn't right now? — there are plenty of people willing to offer advice: friends, relatives and random strangers on the internet.

Finding someone who knows what they're talking about, and who isn't trying to take advantage of you, can be tougher. Fortunately, several groups of credentialed, trustworthy financial advisers are stepping up to offer free help.

Groups such as the Financial Planning Association, the XY Planning Network, the National Association of Personal Financial Advisors, the Association for Financial Counseling & Planning Education and the National Foundation for Credit Counseling are among the organizations offering free consultations to help people navigate the pandemic's economic fallout. You can find links to the programs by either navigating to the organizations' sites or searching for their names and the phrase "pro bono coronavirus." (Pro bono means free.)

"There are so many different pieces of information and misinformation," says Rebecca Wiggins, executive director of the AFCPE, which grants credentials to financial counselors and coaches. "If you're not working with somebody who really understands the full picture, you could make really bad decisions."

A huge and growing need for help

Nine out of 10 U.S. adults said the coronavirus pandemic had caused them financial stress in an early April survey by the National Endowment for Financial Education. Tens of millions are unemployed, furloughed or struggling with pay cuts, and those numbers are expected to rise. A volatile stock market is hammering retirement funds and other investments.

At the same time, what people need to know about money is changing. Congress has altered tax laws, temporarily banned certain foreclosures and evictions, made it easier to tap retirement funds and rewritten the rules on unemployment. Federal student loan payments have been paused, and many lenders are allowing people to skip payments on other debt.

There are so many moving parts that it's easy to make a mistake and pay an outsized price.

Not getting good advice can be costly

A reader recently reached out to me after getting what they thought was a coronavirus hardship withdrawal from a former employer's 401(k). Coronavirus hardship withdrawals, authorized by the Coronavirus Aid, Relief, and Economic Security Act, allow people to take up to $100,000 from their retirement plan balances without having to pay the usual 10% early withdrawal penalty. Income taxes are still owed on withdrawals, but the tax bill can be spread over three years. If you pay the money back, the taxes can be refunded.

What this reader actually got was a regular distribution — in other words, the 401(k) was cashed out. That triggers taxes and potential penalties without the option to spread out the tax bill or pay the money back.

A qualified financial adviser could have helped ensure that the plan offered the hardship withdrawal option (not all do), that the reader was eligible (people must be affected physically or financially by COVID-19) and that the paperwork was properly filled out.

What help you can expect

Consultations typically will be virtual, taking place over the phone or using videoconferencing software. All the financial advisers offering free services can help with topics such as budgeting, unemployment benefits, debt management and making the best use of CARES Act relief checks. Certified financial planners with the FPA, the NAPFA and the XY Planning Network also can advise on more specialized topics, such as the Paycheck Protection Program and other help for small businesses. Credit counselors, meanwhile, work with creditors to arrange debt payoff plans and know about available forbearance programs.

"The options vary considerably depending on the lender you speak to, the type of loan or line of credit that you have and the circumstances that you're dealing with," says NFCC spokesman Bruce McClary, adding that a nonprofit credit counseling agency can help people prepare for those conversations with creditors.

Also, you don't have to be in a financial crisis to ask for a free consultation with an adviser, Wiggins says. If you're hoping to eventually hire a financial adviser, you want to make sure the person is a fiduciary, which means they are required to put your interests ahead of their own.

"This could be your opportunity to talk with somebody to get prepared for the future," she says. "We don't really know what's going to happen. Let's make sure we get our finances in order and set up a really good spending plan."

Liz Weston is a columnist at NerdWallet, a certified financial planner and author of "Your Credit Score." Email: lwestonnerdwallet.com. Twitter: lizweston.

Two Faces of the Face-Mask Mandate - Bacon's Rebellion

Posted: 25 May 2020 12:00 AM PDT

by Sidney Bostian

Governor Ralph Northam will announce tomorrow the details of a statewide mandate to wear masks in public spaces and businesses. "We are working through the policy. Obviously it's an equity issue," Northam said at his Friday news conference, adding that all Virginia residents would need access to face coverings and that he is examining how to enforce such a policy.

"Wearing a mask could literally save someone else's life," Northam said. "That is becoming clearer every day as we move further into managing this virus over the long term."

The justification cited above — "could literally save someone's life" — is one of the most interesting "definite maybes" uttered by a public official in recent memory. A careful observer would note that Northam failed to cite his scientific sources for that statement.

Mask wearing in the COVID-19 era has become controversial. Proponents suggest that the coronavirus can be managed only if we compel everyone to wear masks. Opponents to mandatory masks flinch as if they are being asked to wear the "mark of the beast." Virginians seem evenly divided with about half favoring masks and about half opposing (acknowledging that there are some who don't care and will swing like a barn door).

Given the passions of the partisans on both sides, it is reasonable to ask that the Governor's decree meet two tests. First, that there is scientific evidence that universal mask wearing will save lives, and second, that there are few if any citizens who will be adversely affected by long-duration, long-term use of masks. One would hope that Northam, a physician, would affirm the "do no harm" principle.

A recently published meta-analysis of available randomized controlled trials evaluating the efficacy of masks to control spread of respiratory viruses (Masks Don't Work: A review of science relevant to COVID-19 social policy by D.G Rancourt, April 2020 – accessible on researchgate.net) reached the following conclusion:

Masks and respirators do not work. There have been extensive randomized controlled trials (RCT) studies, and meta-analysis reviews of RCT studies, which all show that masks and respirators do not work to prevent respiratory influenza-like illnesses, or respiratory illnesses believed to be transmitted by droplets and aerosol particles. Furthermore, the relevant known physics and biology, which I review, are such that masks and respirators should not work. It would be a paradox if masks and respirators worked, given what we know about viral respiratory diseases: The main transmission path is long-residence-time aerosol particles (< 2.5 μm), which are too fine to be blocked, and the minimum-infective-dose is smaller than one aerosol particle.

The present paper about masks illustrates the degree to which governments, the mainstream media, and institutional propagandists can decide to operate in a science vacuum, or select only incomplete science that serves their interests. Such recklessness is also certainly the case with the current global lockdown of over 1 billion people, an unprecedented experiment in medical and political history.

One can also find sources implying that masks, if properly fitted, might be a helpful adjunct to hand washing and extreme care in placing hands on the face. Note the qualifiers. Many studies note that absent proper hand washing and extreme care in keeping unwashed hands away from the face, masks provide considerably less protection. I cannot find RCT studies (the gold standard) which demonstrate statistically significant reduction in virus spread. It is quite difficult on the basis of available research to establish the efficacy of masks in reducing respiratory virus spread. It would seem that the governor's impending edict would fail an efficacy test.

Long-duration, long-term mask wearing is not without cost to those wearing the masks. There are significant populations for whom wearing masks for long periods of time is harmful. Individuals with COPD, emphysema, heavy smokers, and a variety of cardiac conditions can experience negative effects when required to wear masks for extended periods. Additionally, there is considerable literature showing that mask wearing reduces blood oxygenation between 5% and 20% when worn for long periods of time. Over 30% of healthcare professionals who wear surgical masks or N95 masks for several hours at a time experience headaches, light headedness and impaired decision making.

Any reasonable review of pertinent literature would acknowledge that health costs would be imposed on many who are compelled to wear face masks. There is additional credible literature pointing to immune system impairment resulting from long-term mask usage and worsening of infections in sick people. If we apply a no-harm criterion to Northam's proposed course of action, it would fail.

If the proposed course of action fails even rudimentary tests of efficacy and benign effect on those required to wear the masks, we are left with the question of why the governor is pursuing the mandate. Given the Governor's appearance at Virginia Beach on Memorial Day weekend without a mask and violating his own social distancing dictates, how can we reasonably infer that he believes in his own recommendations?

Sidney Bostian lives in the Richmond area.

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