![]() If the recording says you can press a number to opt out of future calls, that “would be a big mistake and simply let the scammers know your number is valid,” she cautions. If you get a phone call purporting to be from cardholder services, it often comes in the form of a robocall, says Linda Sherry, director of national priorities for the organization Consumer Action. See related: How to read credit card terms and conditions How scammers work Mastercard’s website refers to cardholder services as benefits provided to its credit card holders, including access to airport lounges and guaranteed hotel prices.Īnd a number of financial institutions use the terms cardholder services or card member services on their websites to describe customer service or other resources they provide to their credit card holders. Bank on its ReliaCard, use the term cardholder services to describe its customer service department. Other government disbursements, issued by U.S. Some recipients threw the cards away or shredded them, thinking they were fraudulent or were an unsolicited credit card offer. The plain envelopes they arrived in were marked “Money Network Cardholder Services,” from MetaBank in Omaha, Nebraska, according to AARP. Some $1,200 federal stimulus payments sent to Americans this spring came in the form of prepaid Visa debit cards. The tricky part is that not everyone using those terms are scammers. The calls may show up on your caller ID in various ways, such as “cardholder services,” “card services,” “card member services,” or “network services.” See related: Credit card identity theft has tripled since 2015 What is cardholder services? The scammers offer an appealing message – sign up for their offers and you may be able to decrease your debt or get an extension on paying your credit card bills, Casey-Velasquez says. ![]() Now, with double-digit unemployment caused by the pandemic, “a lot of people aren’t busy and they’re in dire straits.” Previously, many people ignored such calls because they had busy work lives and personal lives, or were doing fine financially, she says. There has been in an uptick in these calls since the pandemic began, Casey-Velasquez says, because they “are appealing to a much broader range of people.” In other cases, the calls come from scammers who hope to steal your financial and personal information in order to commit identity theft, says Eva Casey-Velasquez, president and CEO of the Identity Theft Resource Center. In many cases these calls are “designed to create leads for firms interested in selling credit card interest rate reduction” schemes to you, says John Breyault, a vice president at the National Consumers League, which operates the website. However, you may be putting your personal or financial information in jeopardy. If you’re struggling to pay your credit card bills because of economic hardship caused by the COVID-19 pandemic, a call from “cardholder services” offering to lower your card interest rate may seem like a lifeline.
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![]() Models First generation įorm factor used by the Apple TV (first generation)Īt a September 2006 Apple special event, Apple announced the first-generation Apple TV. Apple's final major attempt before the Apple TV was the Apple Pippin in 1990s, a combination home game console and networked computer. That year, the company developed the Apple Interactive Television Box, a collaboration with BT Group and Proximus Group that was never released to the public. It was not a commercial success, with only 10,000 sold before its discontinuation in 1994. ![]() The device had a 14-inch CRT screen and a TV tuner card. In November 2019, Apple released Apple TV+ and Apple TV app a la carte.Īpple TV lacks integrated controls and can only be controlled remotely, through a Siri Remote, iPhone or iPad, Apple Remote, or third-party infrared remotes complying with the fourth generation Consumer Electronics Control standard.īackground Macworld San Francisco banner "Introducing Apple TV", January 9, 2007īefore the Apple TV, Apple made a number of attempts to create TV-based devices: In 1993, Apple released the Macintosh TV in an attempt to enter the home-entertainment industry. Since the fourth-generation model, Apple TV runs tvOS with multiple pre-installed apps. Second-generation and later models function only when connected via HDMI to an enhanced-definition or high-definition widescreen television. Its media services include streaming media, TV Everywhere-based services, local media sources, and sports journalism and broadcasts. It is a small piece of networking hardware that sends received media data such as video and audio to a TV or external display. Nearly 400,000 subscribers received the newsletter complete with a handwritten tip every day.8,000 total apps, including 2,000 games and 1,600 video appsĪpple TV is a digital media player and microconsole developed and marketed by Apple Inc. He gave advice on dark web scans on Miami's NBC 6, discussed Windows XP's demise on WGN-TV's Midday News in Chicago, and shared his CES experiences on WJR-AM's Guy Gordon Show in Detroit.Ĭhris also ran MakeUseOf's email newsletter for two years. In addition to his extensive writing experience, Chris has been interviewed as a technology expert on TV news and radio shows. The company's project was later reportedly shut down by the U.S. A wave of negative publicity ensued, with coverage on BuzzFeed News, CNBC, the BBC, and TechCrunch. At CES 2018, he broke the news about Kodak's "KashMiner" Bitcoin mining scheme with a viral tweet. Starting in 2015, Chris attended the Computer Electronics Show (CES) in Las Vegas for five years running. His work has even appeared on the front page of Reddit.Īrticles he's written have been used as a source for everything from books like Team Human by Douglas Rushkoff, media theory professor at the City University of New York's Queens College and CNN contributor, to university textbooks and even late-night TV shows like Comedy Central's with Chris Hardwick. His roundups of new features in Windows 10 updates have been called "the most detailed, useful Windows version previews of anyone on the web" and covered by prominent Windows journalists like Paul Thurrott and Mary Jo Foley on TWiT's Windows Weekly. Instructional tutorials he's written have been linked to by organizations like The New York Times, Wirecutter, Lifehacker, the BBC, CNET, Ars Technica, and John Gruber's Daring Fireball. The news he's broken has been covered by outlets like the BBC, The Verge, Slate, Gizmodo, Engadget, TechCrunch, Digital Trends, ZDNet, The Next Web, and Techmeme. Beyond the column, he wrote about everything from Windows to tech travel tips. He founded PCWorld's "World Beyond Windows" column, which covered the latest developments in open-source operating systems like Linux and Chrome OS. He also wrote the USA's most-saved article of 2021, according to Pocket.Ĭhris was a PCWorld columnist for two years. Beyond the web, his work has appeared in the print edition of The New York Times (September 9, 2019) and in PCWorld's print magazines, specifically in the August 2013 and July 2013 editions, where his story was on the cover. With over a decade of writing experience in the field of technology, Chris has written for a variety of publications including The New York Times, Reader's Digest, IDG's PCWorld, Digital Trends, and MakeUseOf. Chris has personally written over 2,000 articles that have been read more than one billion times-and that's just here at How-To Geek. Chris Hoffman is the former Editor-in-Chief of How-To Geek. ![]() Changed theme engine back to UxStyle with installer fixes Added UltraUXThemePatcher auto-removal during installation Added OS X font rendering engine (gdipp) Added El Capitan wallpaper from new OS X El Capitan 10.11 Added battery/network tray icon on Windows 8/8.1/10 Updated Windows 10 visual style with Yosemite Theme For Windows 10 November Update by cu88 Updated OldNewExplorer configuration for Windows 10 compatibility Updated cursors with Mac Os X El Capitan Cursor Pack For Win by spysees Included uxworker.exe file into uninstaller software in case of deletion by antivirus ![]() Fixed system files version detection bug on Windows 10 Fixed system files modification that may modify x86 program files instead of 圆4 ones. Fixed Windows 10 November Update incompatibilities Fixed losing pnidui.dll backup file on Windows 8/8.1/10 Added ViFind, the perfect FinderBar emulation software developed by Windows X & Lee Matthew Chantrey Added disabling Spaces feature (VirtuaWin) on Windows 10 Added checksum correction after modifying system files |-Adjusted background transparency and white level |-Adjusted transparency and border strength Updated cursors with Mac Os El Capitan Cursor Pack for Windows by arnoldantonio Improved theme patching reliability in Windows 10 Added Windows 10 logon screen modification Fixed installation bugs on non-English OS (Proper) Updated Windows 10 v1607 themes by cu88 from free releases (You can buy full version with more themes) Removed Windows 10 v1511 theme installation workaround (still add permissions for manual hack) Removed some old Helvetica Neue fonts to fix thin font rendering Removed changing Windows 10’s logon screen for now to avoid corrupting logon system on Windows 10 v1607 Fixed installation bugs with permission on other cases Disabled font rendering engine on Windows 10 Anniversary Edition to (bug on major controls) Changed product name to macOS Transformation Pack Added Windows 10 Anniversary Edition v1607 support Added multiple versions of Windows 10 theme installation support (TH/TH2/AE) Added El Capitan desktop icons in theme files Updated Resource Hacker to version 5.1.7 Changed Windows 10 theme to use default Aero theme for compatibility reason Added new High Sierra and Mojave wallpapers Windows XP/Vista system files resources base: Mac Os El Capitan Cursor Pack for Windows: ![]() – Launchpad access from desktop corner and Dock configured – Dashboard and Spaces with shortcut keys configured – macOS Frame UI including Aero/Mac features for XP and non-Aero system – OS X Dock emulation with pre-configured docklets optimized for stability/performance – macOS Finderbar emulation as the most authentic port with real Finderbar functions – macOS themes, wallpapers, user pictures and logon screen – Smart system files updating with auto-repair and Windows Update friendly – Designed for all editions of Windows XP/Vista/7/8/8.1/10 including Server Editions – Easily configurable in single click with intelligence Metro UI design – Seamless installation and uninstallation giving users safe transformation In this package, you’ll have the best user experience greatly resembles real macOS from Windows side. MacOS Transformation Pack will give you all new macOS user experience such as theme, wallpapers, system resources, and new OS X features combined altogether in single package working on Windows platform since Windows XP to up to Windows 10. ![]() This default behavior can be changed by modifying the default power settings. The Harmony will automatically put the Apple TV to sleep when hitting the of button or switching activities. The Home button provides additional functionality by allowing you to directly return to the home screen and launch the App Switcher when pressing twice. This will allow additional features such as the TV/Home button and sleep mode. I would like to use Bluetooth to control Apple TV generation 4 or 4kĬontrol your Apple TV with your Harmony Remote via Bluetooth you can add your Apple TV as a device using manufacturer Harmony Pro and model number BT Apple TV 4. Ensuring your Harmony hub and Apple TV are within visible range of each other and then select Unpair.Your Apple TV should now respond to all commands sent from Harmony.Select Apple TV, and while pointing your remote at your Apple TV box, select Unpair.Navigate to the Devices menu on your Harmony remote LCD screen.You may send this using your Harmony remote. To allow Harmony to interact with your Apple TV, you must send an "unlink" (or "unpair") command. The behavior of other apps may vary depending on the app's design.įAQs Apple TV does not respond to any commands sent from HarmonyĪpple TV may sometimes come linked with a specific Apple remote and will ignore commands sent from any other Apple or Harmony remote control. Text entry is possible using the Harmony app. Vevoĭirection Pad Navigation will navigate the Vevo app. YouTubeĭirection Pad Navigation will navigate the YouTube app. Huluĭirection Pad Navigation will navigate the Hulu app. Holding OK will bring up the subtitles and AirPlay speaker options. Media Keys such as Play, Pause, Stop, Fast-Forward and Rewind commands work.ĭuring playback pressing the up arrow twice will bring up the item description. For example, swiping up/down will change your volume and left/right can rewind and fast forward.ĭirection Pad Navigation will navigate the Netflix app. Gestures allows you to control your Activity using simple swipe gestures over your phone screen.Control icon lists commonly used Apple TV buttons.Use this mode when your Apple TV displays a keyboard on the television screen. Keyboard allows you to easily enter text or use voice search.Harmony hub‑based products may also use the Harmony app If you're having problems pairing, try removing any existing keyboard pairings from Apple TV by selecting it, clicking OK, and selecting Forget this device. Harmony and Apple TV should pair after several seconds. Using your Apple TV remote, select Settings > General > Bluetooth. ![]() Select ENABLE TEXT ENTRY and select your Watch Apple TV Activity.To enable this you must first pair the two devices: Harmony hub will send text commands to Apple TV using Bluetooth. Harmony hub‑based products allow you to use the Harmony app for text entry. Want to enable voice and text entry on Apple TV? ![]()
![]() According to the scientific literature, it’s a valid and effective instrument. The ATQ-R was updated by Netemeyer et al., in 2002. The validity and reliability of the ATQ-R The automatic thoughts questionnaire (ATQ-R) can also check how an individual is progressing in therapy. The inability to cope with everyday changes and problems. Personal maladjustment and desire for change.Negative self-concepts and negative expectations.This score will identify if the individual is at risk of developing or is already exhibiting a depressive disorder. This series of thoughts that the individual must qualify is organized into four categories, from which the final score will be derived. The questions are statements such as “No one understands me”, “I wish I were somewhere else” or “I know I’ve let people down”. The automatic thoughts questionnaire (ATQ-R) consists of 30 self-statements that the person must evaluate from 1 to 5 according to how much they identify with them. Indeed, research confirms the importance of attending to thoughts and internal dialogue that people exhibit in clinical settings. In these cases, the questionnaire developed by Hollon and Kendall is extremely useful and valid. For example, catastrophizing, dichotomous thinking (thinking in black and white), etc. Maintaining exhausting and inflexible thought schemas.Having a negative view of ourselves and interpreting what adversely happens to us. ![]() He claimed that we all run the risk of developing this disorder if three factors occur: The test draws on psychotherapist, Aaron Beck’s theory on the triad of depression. In fact, its objective is to identify if the patient gives veracity to their distorted images and thinking. It doesn’t just discern whether or not the individual is experiencing irrational negative thoughts. It seeks to detect the thoughts associated with depression. The ATQ-R automatic thoughts questionnaire is an instrument that was developed by the psychologists and researchers, Steven D. The validity we give to our irrational thoughts is a risk factor for developing depression. Tests can be extremely useful in these cases. Therefore, one way of detecting if an individual is at risk of suffering from a mood disorder is by evaluating their thoughts. The University of Regina (Canada) conducted a study that claims depressive symptoms are significantly correlated with negative automatic thoughts. As shocking as it may seem, increasingly more people have been experiencing these kinds of thoughts in recent years, due to the health crisis, social changes, and economic problems. While it’s impossible to always think positively and hopefully, the most important thing is to have control over your thoughts and know how to rationalize them.Īs soon as you’re dominated by inaccurate, fatalistic, and irrational perceptions, your mind changes. They often irritate you, awaken pain from your past, and make you view the future with feelings of great insecurity. Your thoughts can either be like beacons, helping you solve all your problems or demoralizing burdens. The automatic thoughts questionnaire (ATQ-R) can be a really useful tool in the clinical evaluation of patients. Amongst them, there’s one highly valuable tool that stands out. Numerous instruments have been designed for this purpose. From a clinical point of view, knowing what a patient’s thoughts are like allows professionals to assess their risk of developing depression. ![]() As a matter of fact, as soon as we validate irrational and catastrophic ideas, we lose control of our lives and find ourselves experiencing persistent discomfort. Instead of letting them pass and not giving them any importance, some of us allow them space and believe them. They’re automatic, ruminating, and exhausting patterns of thinking that can lay the foundations for many mental health problems. Increasingly more people have been experiencing debilitating and adverse thoughts. However, you probably usually manage to reformulate them and employ a more realistic and healthier approach.īut, in recent years a worrying reality has been observed. They make it seem like there’s a horror movie writer living inside you who occasionally takes control and creates the most distressing mental plots. Do you often have negative thoughts? The kinds that demolish your hopes and dampen your spirits. The introduction of harmonic dissonance into second species adds to the variety of the musical texture. This 2:1 rhythmic ratio leads to two new “fundamental musical problems”-one metric and one harmonic: the differentiation between strong beats and weak beats, and the introduction of the passing-tone dissonance. In second-species counterpoint, the counterpoint line moves in half notes against a cantus firmus in whole notes.
![]() If BUN results come back higher or lower than usual, a healthcare professional will usually follow up with other tests. It may merely highlight the need for further, more specific testing. Share on Pinterest BUN tests can provide a picture of kidney health but not diagnose a disease.īUN testing alone is not enough to diagnose any condition. People with kidney or liver disease should also limit or monitor phosphorous and potassium intake. This lack of regulation also means herbal supplements may contain compounds that damage the kidneys, such as heavy metals or aristolochic acid. This means that the effective dosage, source, and even the precise mixture of the supplement are uncertain. Food and Drug Administration (FDA) does not regulate natural health products. Many prescription drugs can affect the kidneys, some less frequently than others, resulting in abnormal BUN levels, including:Īccording to the National Kidney Foundation, herbal supplements can also adversely affect the kidneys of people with kidney disease. Natural diuretics, such as caffeine, and prescription diuretics can also affect the kidneys. This class of drugs includes ibuprofen, naproxen, and aspirin. People should speak to their doctor about what their results mean.Ĭertain over-the-counter (OTC) painkillers, in particular, non-steroidal anti-inflammatory drugs (NSAIDs), can all adversely affect the kidneys. The ideal range of BUN values might vary based on the person’s age and the reference range that the laboratory uses. Changes in BUN levels also occur and during pregnancy. not consuming enough protein in the diet due to poor nutrition or a very low-protein diet.Low BUN levels, which are not common, can result from: The following factors can lead to elevated BUN levels: If you are significantly outside the normal range at the lab your blood is sent to, it could be due to underlying kidney or liver disease. However, these ranges will likely vary from lab to lab. Adults over 60 years of age: 8-23 mg/dL.Adults up to 60 years of age: 6-20 mg/dL.General reference ranges for a normal BUN level are as follows: This is because the kidneys and liver are involved in a vast scope of bodily functions, and problems elsewhere in the body that affect kidneys or liver function can also end up leading to an abnormality in the BUN level. Share on Pinterest BUN tests show how much nitrogen is the blood/Ī BUN test that demonstrates a rise or fall in blood urea nitrogen levels might indicate a wide range of health problems. skin and whites of the eyes that appear yellow.swelling or puffiness, especially around the face, wrists, ankles, abdomen, and thighs.tiredness and a lack of concentration or alertness.pain, especially in the area near the kidneys (flank region).frequent urination, especially at night.Many people are unaware that they have the condition. Symptoms of liver and kidney diseaseĪccording to the Centers for Disease Control and Prevention (CDC), an estimated 15 percent of adults in the United States have long-term kidney disease, known as chronic kidney disease. A doctor may carry out a BUN test alongside other kidney tests, such as the serum creatinine test. The BUN test requires only a blood sample. Kidney and liver conditions are common in adults, but they are easy to overlook or mistake for other disorders. A doctor will most often request a BUN test along with other related lab tests if they suspect kidney or liver diseases. This is not technically correct, but the two go hand-in-hand and measuring the level of this in the bloodstream helps to give a reliable indication of kidney and liver health.Ī component of many other blood tests, a doctor can order a BUN test for any person, even if they have no apparent symptoms or underlying conditions. Urea contains nitrogen and is also the compound responsible for helping clear excess nitrogen from the body.įor this reason, people often refer to both “urea” and “urea nitrogen” as the same compound. The liver releases urea into the blood, and it travels to the kidneys for removal in the urine. The liver produces urea as part of the body’s process of breaking down protein. The liver and kidneys influence BUN levels profoundly, as they are responsible for breaking down protein and managing the waste. Healthcare professionals use BUN tests for a variety of reasons, including monitoring kidney and liver function. Share on Pinterest BUN levels can provide an update on kidney and liver health. LINEST uses the method of least squares for determining the best fit for the data. The more linear the data, the more accurate the LINEST model. The accuracy of the line calculated by the LINEST function depends on the degree of scatter in your data. When you have only one independent x-variable, you can obtain the slope and y-intercept values directly by using the following formulas: Once you know the values of m and b, you can calculate any point on the line by plugging the y- or x-value into that equation. The equation of a straight line is y = mx + b. The y-intercept of a line, often written as b, is the value of y at the point where the line crosses the y-axis. To find the slope of a line, often written as m, take two points on the line, (x1,y1) and (x2,y2) the slope is equal to (y2 - y1)/(x2 - x1). You can describe any straight line with the slope and the y-intercept: The following illustration shows the order in which the additional regression statistics are returned. For information about how ssreg and ssresid are calculated, see "Remarks," later in this topic. For information about how df is calculated, see "Remarks," later in this topic. Compare the values you find in the table to the F statistic returned by LINEST to determine a confidence level for the model. Use the degrees of freedom to help you find F-critical values in a statistical table. Use the F statistic to determine whether the observed relationship between the dependent and independent variables occurs by chance. The F statistic, or the F-observed value. For information about how r 2 is calculated, see "Remarks," later in this topic. At the other extreme, if the coefficient of determination is 0, the regression equation is not helpful in predicting a y-value. If it is 1, there is a perfect correlation in the sample - there is no difference between the estimated y-value and the actual y-value. Compares estimated and actual y-values, and ranges in value from 0 to 1. ![]() The standard error value for the constant b (seb = #N/A when const is FALSE). The standard error values for the coefficients m1,m2.,mn. The additional regression statistics are as follows. If stats is FALSE or omitted, LINEST returns only the m-coefficients and the constant b. The array that the LINEST function returns is. The m-values are coefficients corresponding to each x-value, and b is a constant value. If there are multiple ranges of x-values, where the dependent y-values are a function of the independent x-values. ![]() Instructions follow the examples in this article. ![]() Because this function returns an array of values, it must be entered as an array formula. You can also combine LINEST with other functions to calculate the statistics for other types of models that are linear in the unknown parameters, including polynomial, logarithmic, exponential, and power series. The LINEST function calculates the statistics for a line by using the "least squares" method to calculate a straight line that best fits your data, and then returns an array that describes the line. Find links to more information about charting and performing a regression analysis in the See Also section. This article describes the formula syntax and usage of the LINEST function in Microsoft Excel. This will allow adding more story-telling or contextual moodlets without making things look cluttered.Īnd if you want to keep the original mood, you can still disable this feature in Sex Settings -> Sex Interaction -> Advanced Sex Interaction Settings -> Sex Mood Switch.Īnd here are the first contextual moodlets to try out! Sims during sex will react to their sex partner's body. This is something different, a brand new mood! Although "Sex" isn't exactly a mood, it's an important step to indicate to the player what's happening with a Sim and expand the feature in general, offering additional context.Īll moodlets that are relevant to sex will now be easily visible and recognizable, meanwhile, all other moodlets aren't as important at the moment so they become hidden. Made moodlets relevant to sex primarily visible during sex.If you changed your mind you can now fix things using the 'Take Away All Sims Wicked Attributes' interaction. Added 'Take Away All Sims Wicked Attributes' interactionĪdding Wicked Attributes to all Sims is easy, but removing them from all Sims wasn't. ![]() With "Master Settings" you can enable/disable some of the more pronounced features that appear in the game. Whether it's someone new, someone lost, or someone starting a new game, being able to quickly switch off the features you don't want can be very valuable.
![]() It’s different than a living trust, which is created while you’re still alive. Creative names, right?Ī testamentary trust distributes all or part of your estate (your stuff) after you die, but the trust is not created until after you die. It’s also called a will trust or a trust under will. If you want to learn more about living trusts, you can head over to this handy article.Ī testamentary trust is a trust that’s written inside a will. The exact cost varies widely according to your location and your needs. A living trust takes more time and money to set up. There’s more paperwork-and money-involved with a living trust compared to a will.So, if you’re a parent, you definitely need a will (with or without a living trust). We mentioned it before, but this is a major detail. A living trust can’t appoint a guardian for your children.If you have nosy relatives who want to know how things were distributed, a living trust protects that information, unless you (or whoever is the trustee) share it. ![]()
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