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Thursday, June 28, 2012
Your Brand New MacBook Is Freaking Out and Here's How to Fix It [MacBook Air]
Google's Project Glass gets some more details
Google's Project Glass has been one of the most anticipated and hyped projects to come out of Google in quite some time. After a rather epic demo the company finally gave us a slightly deeper look at the wearable computer of our (supposed) future. Inside is the usual set of components you'd expect inside any mobile phone. There's a "powerful" CPU and "lots" of RAM (though, there was no mention of specifics) alongside an accelerometer, gyroscope and wireless radios for pulling in data. There's a mic for voice commands, a speaker and a camera, which can also be controlled by the touchpad that lines the side of the wearable device. All of those components sit off to one side, though Google says they're still well-balanced and actually lighter than some pairs of sunglasses. The tiny transparent display doesn't actually sit directly in front of your eye. It's slightly above your line of vision, so that it shouldn't interfere with your normal life.
Sergey Brin had three different prototypes on stage -- a light blue pair, a white pair and a black pair -- indicating that personalization and style were concerns. And that's a good thing since Glass is meant to be worn in public. Ultimately Google hopes that the project will be the next step in its quest to make information quickly and universally accessible. The ability to capture images from the first person perspective seems to be key to the device. In a new demo video, a new mother waxes about how hard it is to capture those perfect moments with her child. She "smiles at faces not devices" which makes sticking a D5 in the baby's face a bad idea.
If you're impatient and lucky enough to have been at IO (and live in the US), you can actually pre-order an Explorer Edition of the wearable computer for $1,500. The dev focused units will be shipping early next year. But, be warned, this is not a mass consumer item and will likely be more than a little rough around the edges.
Check out our full coverage of Google I/O 2012's opening keynote at our event hub!
Google's Project Glass gets some more details originally appeared on Engadget on Wed, 27 Jun 2012 14:22:00 EDT. Please see our terms for use of feeds.
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Matthew McConaughey's Hottest Shirtless Shots
As the actor prepares to strip down on screen in Magic Mike -- in theaters June 29 -- check out these chest-baring shots of the hot Texan
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Music: {allcanada} Krueger built impressive resume in Europe
Although new Edmonton Oilers head coach Ralph Krueger has a limited body of work in the NHL, the 52-year-old forged the reputation as one of the most astute coaches in European and international hockey prior to serving on Tom Renney's staff in Edmonton the last two seasons. A native of Winnipeg with dual Canadian and German citizenship, Krueger spent two decades playing and coaching in Europe before joining the Oilers in 2010.
Under Krueger, a once directionless Swiss program found a team-wide identity. On a team that boasted little in the way of explosive offensive talent, Krueger instilled an often-airtight defensive system that took advantage of the team's assets: above-average goaltending and numerous smooth-skating and defensively aware players on his roster.
"I think Ralph is a very good coach," current St. Louis Blues head coach Ken Hitchcock told NHL.com in 2010. "You can see it the way he gets his teams prepared to play and the way they play with patience and discipline. That doesn't happen by accident."
During Krueger's long tenure as the head coach of Team Switzerland (1997-98 to 2009-10) he turned the Swiss national team from an afterthought on the international hockey scene into a team capable of pulling upsets against favored teams.
Krueger's first major tournament as Swiss bench boss was the 1998 World Championship, held in Basel and Zurich. To the delight of the home crowds, the underdog host nation tied favored Slovakia (1-1) and stunned Russia with a 4-2 upset in the medal-round qualification phase. Switzerland advanced to the semifinals before ultimately losing to the Czech Republic in the bronze medal game.
The fourth-place finish was the highest in Krueger's international career. However, his most notable coaching successes came in the 2006 and 2010 Olympics. In the Turin Games, the Swiss stunned the hockey world in back-to-back games by defeating the Czech Republic, 3-2, and then shutting out Canada, 2-0. The Swiss finished sixth.
Four years later in Vancouver, the Swiss were highly competitive in the preliminary round. Once again, Krueger's team gave Canada all it could handle, but ultimately lost via shootout to the eventual gold medalists. In the medal round quarterfinals, Team Switzerland battled Team USA hard but was unable to find the net in a 2-0 loss.
While Krueger is a demanding coach, he was also highly respected by his Swiss players. For his part, the coach took pride in their advancement and in the slow but steady growth of the program at all levels from the mid-1990s to the present day.
"These players have come a long way to be able to compete at this level," Krueger told NHL.com following his final game behind the Swiss bench.
Now that he is in charge of the Oilers, Krueger faces a somewhat opposite challenge to the one he tackled in his later years in Switzerland. His Edmonton roster is filled with explosive young offensive talents (No. 1 picks Taylor Hall, Ryan Nugent-Hopkins and rookie Nail Yakupov among them), but is need of defensive improvement. However, given that he has spent the last two seasons as an associate coach, Krueger brings instant familiarity with the roster that a candidate hired from the outside might lack.
As a player, Krueger realized from a young age that the NHL would not be in the cards. Unselected in the NHL Draft following a brief but successful WHL stint as a right wing with Calgary Wranglers, a 20-year-old Krueger headed to West Germany to play in the Bundesliga (the forerunner to the current-day DEL).
In a playing career that spanned most of the 1980s, Krueger became a versatile star in the West German league; not only was he a high scoring forward, but he played on the blue line when needed. Twice, Krueger played for Team West Germany at the IIHF World Championship. Over his later years, he served as a playing assistant coach for German minor league team EV Duisburg.
Krueger formally retired as an active player in 1992, accepting his first coaching job as the head coach of Austrian team VEU Feldkirch in what was then known as the Alpenliga (later disbanded and subsequently reorganized several times into the current-day EBEL). He spent six years coaching in Feldkirch, slowly molding the club into a squad that would earn a spot in the European Champions League in 1997-98. The lightly regarded team ended up embarrassing an unmotivated Dynamo Moscow team in the finals to capture the championship.
Thereafter, Krueger accepted the job with Team Switzerland. Building the Swiss program remained his sole hockey focus for the next 13 years, apart from a stretch in which he concurrently served as a scouting consultant for the Carolina Hurricanes. When Renney and the Oilers offered Krueger his first full-fledged NHL position two years ago, he jumped at the chance.
Krueger, who founded a motivational speaking company and authored an autobiographical self-help book, has gained the reputation for being a coach who emphasizes can-do thinking to his players and pays great attention to detail at practice. While he was unafraid to delegate responsibilities to assistant coaches, Krueger became known for remaining closely involved in all facets of his team's system.
These qualities ultimately convinced Oilers general manager Steve Tambellini that Krueger was the right man to succeed Renney and try to elevate the young Edmonton team to the next level.
"When I think of Ralph, I think of someone who has immense information, Tambellini told the team's official website. "That's vast experience with regards to professional hockey overseas as well as right here as an associate coach. When I watched that work with our group, knowing we have players from all over the world, I think his ability to communicate and think of tactics that work for different people is incredible. This is a big thing for us. I know Ralph and his family are extremely excited. This is a big step in his career but he deserves it, and we're very excited about it."
The new Edmonton coach's son, Daniel Krueger, has acquired his father's passion for international hockey. Born in Switzerland and a member of Team Germany at the most recent World Championship, Daniel played last season in the AHL for the Charlotte Checkers. A Cornell University graduate, Daniel was drafted by Carolina in the seventh round (No. 213) of the 2006 draft. The defenseman played one season in the Swiss National League for SC Bern and represented both the German junior and senior national teams before returning to North America to play in the AHL.
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Tuesday, June 26, 2012
8 things to do if you haven't planned for retirement
Bill Haber / AP file
Retirees of the future will find their experience much different from their parents' golden years.
By Samuel Weigley, 24/7 Wall St.
??Once people reach their 50s they finally see retirement on the horizon. They start envisioning that time when they can stop going to work and instead spend their days on the golf course, on the beach or with their families. Yet many people have not saved nearly enough for retirement by the time they are 50 years old. A recent survey by the Employee Benefit Research Institute found that 60 percent of workers born between 1946 and 1964 have less than $100,000 for retirement. In fact, 40 percent have saved less than $25,000.
24/7 Wall St. interviewed retirement-related experts from brokerage firms, banks, retirement advocacy groups, and independent financial advisers. With their help, 24/7 identified the eight actions you should take if you have not prepared to retire.
Financial advisers generally recommend people begin saving for retirement starting in their 20s to take full advantage of compounding interest. Although the financial advisers who spoke to 24/7 Wall St. say it is very hard to give concrete estimates on how much should be allocated toward equities and fixed-income, they say it is best to cut risk as one approaches their target retirement age.
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Not saving up enough for retirement used to be less of a problem. Workers in previous generations often received pensions from their employers, allowing retirees to know exactly how much money they would get once retired. But employers have increasingly shifted that responsibility onto the employees through 401k and other defined contribution plans.
These days, notes Joe Ready, executive vice president for retirement at Wells Fargo, people get married and have children later in life than previous generations. This means that it is increasingly hard to save for retirement during the 40s and 50s because they still face heavy financial obligations -- they are still paying off their mortgage, sending their children to college and so on.
The fact that many current retirees are living off pensions has conditioned younger generations to think their retirement might be the same, says Lule Demmissie, managing director of retirement for TD Ameritrade. ?Face it,? Demmissie says, ?your retirement isn?t your parents? retirement.?
Demmissie notes that people in retirement today are working until a later age and finding cheaper housing as they no longer can count on that pension that was once provided to employees. She also points out that while many people have never saved enough for retirement, the problem has become worse once the financial crisis took hold.
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By the time you reach age 50, you should have roughly four times your annual income built up in retirement, according to Jean Setzfand, vice president for financial security for AARP. The best way to reach that goal is to start socking away money starting in your 20s. Still, if you are well behind on your goals by the time you reach your 50s, all hope is not lost.
These are the eight things to do if you have not planned for retirement.
1. Reassess life priorities
Part of reassessing priorities is ensuring you have a plan in place. People should have a retirement plan when they are significantly younger than 50, yet EBRI finds that only 42 percent of workers of all ages have a retirement plan.
If, at the age of 50, people find themselves inadequately prepared for their dream retirement, they should start by looking at the future, advises Setzfand. ?The first thing people should do is consider, ?What do I want to do with the rest of my life??? The answer to that question will help decide what actions need to be taken, Setzfand explains. Before moving forward, it is important to ask such questions as ?Do I really need that second house in Florida?? or ?Can I (afford to) start a trust fund for my grandkids??
People need to consider how much they are willing and able to fund their children's college education. Setzfand notes that many parents in their 50s will foot most or all of their children?s college bill to make sure their children don?t end up with debt early in life. However, she cautions people to be careful to make sure they have enough money to build and sustain their own retirement nest egg. After all, you can?t borrow to fund your golden years.
2. Take advantage of increased contribution limits
If you are late saving for retirement, you may need an extra boost to get closer to your goals. Once people reach age 50, the amount of money they can contribute annually to their 401k and their IRA increases from $17,000 to $22,500 and from $5,000 to $6,000, respectively.?Employees should take advantage of these higher contribution limits if possible, since contributions to these plans are tax deductible.
Plus, many employers match contributions up to a certain amount, meaning that employees are forgoing free money if they do not contribute the maximum contribution amount. ?If you have access to a 401k, jump into it with two feet,? Ready says.
3. Downsize
Advisers also recommend downsizing. While the level of downsizing for some could mean simply cutting down on small expenses such as eating out and shopping, for others, more drastic measures may be necessary.
?Downsizing often isn?t something that can be done on the peripheral,? Demmissie says. For some, it may even mean downsizing the house, especially if there is a lot of equity on the property.
Those eyeing retirement can even plan to move in with their adult children. Demmissie notes there has been an increase in multiple generations living under one roof. While living with children is not necessarily part of most people?s dream retirement, it can help make sure retirees do not outlive their money by cutting out housing costs and even some home-care costs. Moving to places with lower tax rates and costs of living, Demmissie notes, may also help people live their more ideal retirement at a lower cost.
4. Keep working
With people living longer than generations past, the traditional retirement age of 65 is generally increasing and will continue to do so. About 40 percent of current American employees plan to continue working until at least age 70, according to a 2011 study by the Transamerica Center for Retirement Studies.
Working until a later age, whether full-time or part-time, gives people more time to build their nest egg while also reducing the likelihood that they will run out of money during their golden years. Plus, if someone truly enjoys his or her job, continuing to work in some capacity is not necessarily a bad thing. ?I always believed retirement was fictional,? says John Sestina, founder of John E. Sestina and Company in Columbus, Ohio. ?Why does someone have to quit working if they are productive, and what are they going to do to replace that in their life? You can only play so many rounds of golf.?
People still need to take into consideration that their employment status could change due to circumstances such as a layoff or deteriorating health, says George Middleton, an adviser with Limoges Investment Management in Portland, Ore. ?A lot of my clients say they will just keep working,? he says. ?I always tell them ?but what if you can?t???
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5. Factor in health care costs
Another burden facing retirees in the relatively near future is rapidly growing health care costs. A 65-year old couple who retires in 2012 should plan for $240,000 for medical costs, according to a study by Fidelity, provided the couple does not receive employer-sponsored health coverage. This figure, on average, has risen 6 percent annually since 2002.
Diane Pearson, a financial adviser at Legend Financial Advisors in Pittsburgh, says higher health care costs in recent years have changed the way she has counseled clients on retirement. She used to try to get her clients? nest eggs to accrue 2 percent more than inflation each year, but now that number is close to 6 percent due to rising health costs.
?People generally underestimate the amount of money they?ll need in retirement,? Pearson says, noting that health care predictions play a major role in that underestimation. ?The rule of thumb has been spending 75 percent to 85 percent in retirement of what you were spending while you were working full-time. I think that?s absolutely false.? Pearson says the amount spent in retirement likely will be about the same spent in your working years.
6. Don?t play catch up
If someone has failed to save enough for retirement by their 50s, it may be tempting to build a portfolio full of stocks to play catch-up. The financial experts interviewed by 24/7 Wall St. generally advise against this move. While some stocks are still important in a portfolio to help manage inflation, a bad stretch in the stock market can completely devastate a person?s financial goals. ?That?s financial suicide,? Sestina calls such a move. ?They can?t afford the risk with so little time.?
Middleton says he counsels his clients to take on as little risk as possible in order to reach their retirement goals. Someone who has not saved anything for retirement by age 50 would need to take more, but not excessively more, risk than someone who saved since they were in their 20s. ?I just warn (clients) that the plan might not work,? Middleton says.
7. Beware of financial scams
When people have not saved enough for retirement, they feel overwhelmed and are willing to take drastic measures to try to reach their retirement goals, including falling for financial scams such as the ?get rich quick? and ?work from home? schemes. Those ages 60 and older lost at least $2.9 billion due to these scams in 2010, according to a recent joint study from Metlife Mature Market Institute, the National Committee for Prevention of Elder Abuse and Virginia Tech University.
Setzfand says that when people are approached about financial products, they need to do research to make sure the product really can help achieve their financial goals. She also recommends people do some research on the broker trying to sell the product to make sure no sanctions have been levied on the broker. ?If something looks too good to be true, it?s too good to be true,? Setzfand says.
8. Do not skimp on insurance
While socking a higher portion of your income in your 50s may help build up a dream retirement fund, it is important to keep up with insurance payments in order to prepare for the unexpected. Such plans as life insurance and long-term care insurance can ensure a person?s spouse or children aren?t financially devastated in case of unfortunate events.
Since life insurance is relatively affordable, Middleton says he has not noticed many people going without it. However, he is concerned many are forgoing long-term care insurance due to its high cost. Middleton says not having long-term care insurance can ?completely destroy an estate? if a spouse happens to need that level of care in the future.
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Monday, June 25, 2012
Video: Rock imitates art
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Why Facebook Is Folding On Credits And Doubling Down On Payments
In a surprising move this week, with just a short post on their Developer Blog, Facebook has ended their three-year experiment with the virtual currency of Facebook Credits. Credits will be phased out by the end of the year and users will simply have a Facebook account with a balance measured in Dollars in the U.S., or whatever currency is native to a country. Facebook?s new member accounts will function similarly to an iTunes account: a user adds a credit card to their account, digital goods can be purchased and immediately charged to the card on file, or can be drawn from stored value in that account. ?If you are given a Facebook gift card, in card or digital form, you would add that reward code to your account and that value would be stored until you use it ? just like an iTunes gift card is added to your account and stored until spent.match day nene dark shadows trailer nate mcmillan clooney arrested southern miss rod blagojevich
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