Deal: V.360° HD Panoramic Camera

Want to shoot 360º video? This panoramic camera shoots content at up to 6480 x 1080 resolution, capturing video which completely wraps around you. The V.360º HD panoramic camera uses a special reflector to work its magic.

v360_panoramic_camera_1zoom in

Its videos capture a 60º vertical field of view, and you can also shoot 8 megapixel panoramic stills instantly, and without the need to spin around. It’s also got stereo microphones built in, and is ready to go anywhere, since its dust, shock and water resistant. In fact, you can use it underwater up to 3 feet for 30 minutes at a time.

Everything can be controlled via the V.360’s companion smartphone app, which lets you preview content, and make adjustments to what you’re shooting on the fly. In addition to shooting 360º videos, you can use the camera and app to direct regular “flat” videos where you pan the viewport to match what’s going on in the scene, and there’s also a time-lapse mode.

The V.360º camera has a suggested retail price of $449(USD), but we’ve got it in the Technabob Shop for a limited time for just $299.

Uber gives you ride discounts for shopping with a Visa card

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Meet Intel 7th Gen Core, the 4K, VR-ready “Kaby Lake” processors

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The wireless FIIL Diva headphones are gorgeous but flaky

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Someone's Shooting Sea Otters In California, And Officials Want Answers

A spate of sea otter shootings in California has prompted wildlife officials to offer a $10,000 reward and release a plea to the public to find the source of the fatal attacks.

Three southern sea otters, also known as California sea otters, have been found dead in Santa Cruz County this month, and initial necropsy results show the animals had been shot, according to the U.S. Fish and Wildlife Service.

Two were juvenile males and one was an adult male. Estimates place their deaths in late July and early August. Officials suspect a fourth otter found dead on Aug. 20 was shot as well.

The otters are protected by the Marine Mammal Protection Act and California state law. Killing one is punishable with up to a $100,000 fine and jail time.

“Anyone with information about these or any sea otter shootings should contact the CalTIP line at 1-888-334-2258 (callers may remain anonymous) or the Special Agent of the U.S. Fish and Wildlife Service at 650-876-9078,” USFWS said in a statement.

The reward offered ― provided by the Monterey Bay Aquarium, the California Department of Fish and Wildlife and an anonymous donor ― is “at least $10,000” for information leading to an arrest.

Other sea otters have been targeted recently in violent acts. Last year, a 71-year-old man was sentenced to 150 hours of community service and fined after shooting an air rifle at a baby otter. The otter wasn’t injured, but officials said the act still warranted punishment for violation of the Endangered Species Act.

And in 2013, three were shot and killed in Pacific Grove, California, in what authorities called an “act of barbarism.” No one was prosecuted in that case, according to The Mercury News.

The southern sea otter has been listed under the ESA since 1977 after being hunted to near extinction. There are now around 3,000 of the animals living in California waters, down from historic highs that numbered in the tens of thousands before the beginnings of the fur trade.

Officials have asked anyone that finds another dead or injured sea otter in the area to leave it in place, take a photo and immediately call the California Department of Fish and Wildlife.

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ICYMI: The US Government wants to limit big rig speeds

Today on In Case You Missed It: The National Highway Traffic Safety Administration is proposing to mechanically limit the speed of buses and semis over 26,000 pounds to under 68 miles per hour. The idea focuses on safety concerns but also would imp…

What Gene Wilder's Death Could Do For Alzheimer's Disease Awareness

Beloved actor Gene Wilder died on Sunday at the age of 83 from complications related to Alzheimer’s disease, according to a statement from his family. He was diagnosed with the progressive brain disorder three years ago, nephew Jordan Walker-Pearlman said, but it was kept a secret from the public so that fans wouldn’t be saddened by the condition

The statement reads, in part

We understand for all the emotional and physical challenges this situation presented we have been among the lucky ones — this illness-pirate, unlike in so many cases, never stole his ability to recognize those that were closest to him, nor took command of his central-gentle-life affirming core personality. The decision to wait until this time to disclose his condition wasn’t vanity, but more so that the countless young children that would smile or call out to him “there’s Willy Wonka,” would not have to be then exposed to an adult referencing illness or trouble and causing delight to travel to worry, disappointment or confusion. He simply couldn’t bear the idea of one less smile in the world.

Experts praised the family’s decision to name Alzheimer’s disease as the cause of death, saying that it could lift a veil of stigma about the most common cause of dementia. It is also the sixth-leading cause of death in the U.S.

“There’s such a tendency to not name [Alzheimer’s disease] for what it is, and it’s commendable that they’ve identified it as a cause of death,” said Alzheimer’s disease expert Kristoffer Rhoads, a clinical neuropsychologist at the University of Washington School of Medicine’s Memory and Brain Wellness Center at Harborview.

However, he said that the condition is in dire need of a spokesperson who can continue to raise awareness about the importance of early diagnosis and treatments to prolong good mental function for as long as possible.

“Think about Parkinson’s and Michael J. Fox,” he continued. “Right now, there is not as visible of a spokesperson for Alzheimer’s disease.” 

Right now, there is not as visible of a spokesperson for Alzheimer’s disease.
Kristoffer Rhoads, clinical neuropsychologist and Alzheimer’s expert

Stigma prevents full understanding of the disease

Alzheimer’s disease causes memory loss and problems with thinking and behavior. It causes 60 to 80 percent of all dementia cases, according to the Alzheimer’s Association, and while age is the best known risk factor for Alzheimer’s disease, it is not a normal or natural part of aging.

Scientists aren’t entirely sure what causes the disease in most people, but it’s probably a mix of genetic, environmental and lifestyle factors, according to the National Institutes of Health’s National Institute on Aging. Researchers are investigating whether things like a healthy diet, regular exercise and social engagement with mental stimulation could help reduce a person’s  risk for the disease.

But stigma gets in the way of lifestyle changes and treatments to prolong the best functioning years of Alzheimer’s disease because shame or fear about the condition can prevent people from seeking help from their doctor when they or their family members start to notice small changes in cognition that could be a sign of disease. There’s even some misunderstanding among doctors, Rhoads explained, who mistakenly think, “Why get a diagnosis? There’s nothing we can do.”

It’s true that the degenerative brain condition gets worse over time, and while there are some treatments to stall symptoms, the disease has no cure. However, a comprehensive treatment plan that includes several medications, physical activity, social and mental engagement from family members and a healthy diet may help more people with Alzheimer’s extend the early stages of the disease, when quality of life can still be full and robust.

“People are afraid; they have this vision of late stage Alzheimer’s disease, and that keeps them from coming in to get an early stage diagnosis, which is when we actually have some room to intervene,” Rhoads said. “That’s one of the biggest costs of the stigma.”

The benefits of early diagnosis

As clinic director of the Memory, Aging and Resilience Clinic at UC San Diego Health, one of Lisa Delano-Wood’s biggest frustrations is encountering patients who only seek care at the latest stages of Alzheimer’s disease. By this point, Delano-Wood explained, the patient isn’t qualified for cutting edge clinical trials for Alzheimer’s disease treatments. Clinicians have missed an opportunity to suggest interventions that may slow the progression of the disease. And finally, caregivers, who are often a spouse or a child of the patient, may have lost years of support for their struggle, as doctors are well-placed to help them navigate the pitfalls in full-time caregiving.

Sometimes, cognitive impairment isn’t caused by any kind of brain disease, and can be rectified with simple changes to diet and medication. Infections, metabolic disorders, vascular issues or vitamin deficiencies can mimic severe memory loss, explains Delano-Wood, and treating these initial problems can often fully restore cognitive function. But people will never know the cause of their failing memory, or how to treat it, if they don’t seek help.

“Early diagnosis is critical if someone suspects they have memory loss outside of what is normal, or if they think their memory is much poorer than someone outside their same age,” said Delano-Wood. “I’d encourage them to present to their physician for memory screening and referral to either a neuropsychologist or a neurologist.”

How celebrities can help raise awareness about diseases

The effect that celebrities can have on disease awareness is significant and measurable. After Patty Duke and Muhammad Ali died in 2016, their families’ decisions to name sepsis as the cause of death may have helped contribute to Americans’ growing awareness of the disease. A Harris Poll commissioned by the advocacy group Sepsis Alliance found that sepsis awareness crossed the 50 percent threshold for the first time since the group started the survey in 2010, and that 32 percent of respondents who knew what the condition was had first heard of sepsis from news and entertainment media, as opposed to just 12 percent who learned about sepsis from a medical professional. 

And in May 2013, when Angelina Jolie went public with her decision to get a double mastectomy after testing positive for the BRCA gene, which significantly increases the risk for breast cancer, referrals for genetic counseling related to breast cancer in the U.K. increased two and a half times in the months after the news hit the media. 

Maria Shriver, whose father died of Alzheimer’s disease in 2011, has done a lot to raise awareness about the condition since his diagnosis in 2003. She’s written a children’s book called What’s Happening to Grandpa?, produced the HBO documentary series “The Alzheimer’s Project” and this year launched the Women’s Alzheimer’s Challenge, an effort to fund research on why the condition disproportionately affects women. 

But perhaps the most prominent Alzheimer’s advocate was President Ronald Reagan, who made the decision in 1994 to come forward with his diagnosis of Alzheimer’s disease in its early stages. He wrote in a letter to the American people that he wanted to promote broad awareness of the disease, which is a leading killer in the U.S., as well as support his wife Nancy and and all caregivers of people with Alzheimer’s disease. Reagan also said that his and his wife’s experience going public about past experiences with cancer led to more cancer screening, which he hoped would be the same with Alzheimer’s disease:

Upon learning this news, Nancy and I had to decide whether as private citizens we would keep this a private matter or whether we would make this news known in a public way.

In the past Nancy suffered from breast cancer and I had my cancer surgeries. We found through our open disclosures we were able to raise public awareness. We were happy that as a result many more people underwent testing. 

Delano-Wood wasn’t practicing medicine at the time, but said her mentors spoke of the influx of people suddenly interested in testing, screening and measuring a baseline level of cognition because of what they learned from Reagan’s letter — especially those with a family history of Alzheimer’s disease, like Reagan had.

More voices speaking out about the topic will continue to normalize Alzheimer’s disease, a condition that affects five million Americans, encourage people to seek treatment for memory problems, and help accelerate research for treatments and possible cure or vaccine for the illness, she said.

“[Reagan]  taught a lot of people about Alzheimer’s disease ― that it could affect anybody and that nobody is immune,” she concluded.

However, more work needs to be done.

”There is still quite a bit of stigma that is attached to this terrible, neurodegenerative disease, which is unfortunate since it is so common in every society in the world.”

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Do Large Mortgage Principal Payments Reduce Monthly Payments?

On home mortgages, a large payment to principal reduces the loan balance, and with it the “fully-amortizing monthly payment”, or FAMP. FAMP is the level monthly payment required to repay the mortgage fully over its remaining term. Many borrowers would like a mortgage on which the monthly payment would drop to the new lower FAMP following a large payment to principal, and are disappointed when they find they don’t have one.

The rules governing payment adjustments following extra principal payments vary with the type of mortgage. Fixed-rate mortgages (FRMs), adjustable rate mortgages (ARMs), and home equity lines of credit (HELOCs) all work differently in that regard.

Fixed-Rate Mortgages (FRMs)

FRMs are the most rigid in that extra payments do not affect the required monthly payment at all. For example, if you borrow $100,000 for 30 years at 3%, your FAMP is $422. Pay this amount every month, and you pay off the loan in 30 years. If you make an extra payment of $10,000 in month 2, your payment in month 3 and all subsequent months remains $422. Your loan will pay off in month 305 instead of month 360, but until then, you receive no payment relief.

Of course, the lender can always agree to modify the contract, and some will do it for a fee. For example, the payment could be dropped to $379, which is the new FAMP following the $10,000 payment to principal.

Mortgages With an Interest-Only Option

There is one exception to the rigidity of FRMs noted above. If the FRM is interest-only for a period, which many were prior to the financial crisis, the payment should decline in the month following an extra payment. For example, if the $100,000 loan at 3% was interest only in month 2 when the borrower made a $10,000 payment to principal, the interest payment should decline from $250 to $225 the following month.

In many cases, however, the payment adjustment was delayed because the lender’s servicing system could not handle the transaction properly. Such delays could range anywhere from a few months to the end of the interest-only period, which usually was 5 or 10 years. Interest-only is no longer an option on prime mortgages, and few new ones are being written.

Adjustable Rate Mortgages (ARMs)

With an ARM on which the borrower is making the FAMP, extra payments change the monthly payment at a rate adjustment. That happens in month 37 on a 3/1 ARM, month 61 on a 5/1 ARM, month 85 on a 7/1 ARM, and month 121 on a 10/1 ARM. On the rate adjustment date, the payment is recalculated using the new rate, the period remaining of the original term, and the outstanding balance which will reflect any extra payments made in prior months.

Consider a 5/1 ARM for $100,000 at 3%, which has a FAMP of $422. That payment holds for the first 60 months, regardless of any extra payments made within that period. If the borrower made an extra payment of $10,000 in month 2, assuming the 3% rate is unchanged, the new FAMP will be $379, but the borrower must wait until month 61 to see it.

ARMs become more responsive after the initial rate period ends because rate and payment adjustments then occur every year or every 6 months. This means that extra payments reduce the monthly payment within a year or less.

Home Equity Line of Credit (HELOC)

The monthly payment on a HELOC is highly responsive to a large principal payment. During the initial phase of a HELOC which usually runs for 10 years, the borrower pays interest only, though on new HELOCs some lenders now require a higher payment. In either case, since the required payment is a percent of the outstanding balance, a large principal payment results in an immediate reduction in the required payment.

At the end of the initial rate period, borrowers enter the payoff period, during which they must begin paying the FAMP calculated over the remaining life of the HELOC, usually 20 years. The payment increase required as they switch into payoff mode is often substantial, since in the typical case no or very little principal payments had been made during the first 10 years. While a payment larger than the FAMP during the payoff period will cause the FAMP to decline the following month, this is academic to HELOC borrowers who have trouble paying the FAMP.

Concluding Comment: Do You Really Want a Payment-Responsive Mortgage?

Readers should not infer from this article that mortgage payment sensitivity is always a desirable feature. Reducing the monthly payment is a short-run goal that conflicts with the long-run goal of getting out of debt ASAP. While prioritizing the short-run goal is reasonable for borrowers who are having trouble making the current payment, it should be avoided by borrowers who don’t really need payment relief.

You can use my free mortgage payoff calculators by visiting my website The Mortgage Professor.

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John Lennon's Killer Mark David Chapman Denied Parole For Ninth Time

The man who shot and killed John Lennon in New York City nearly 36 years ago has again failed to persuade a state parole board to release him from prison on parole, officials said on Monday.

Mark David Chapman, 61, will remain behind bars at a maximum-security prison in Erie County near Buffalo, New York, after his request for parole was rejected for the ninth time since 2000.

Chapman, an obsessed fan of the musician and his former group the Beatles, was convicted of shooting Lennon as he arrived with his wife, Yoko Ono, at his apartment building on Manhattan’s Upper West Side on Dec. 8, 1980.

Chapman received a sentence of 20 years to life after pleading guilty to a second-degree murder charge. His petition for parole has come up every two years since 2000.

“In spite of many favorable factors, we find all to be outweighed by the premeditated and celebrity seeking nature of the crime,” the New York Board of Parole said in a statement on Monday rejecting Chapman’s request.

“From our interview and review of your records, we find that your release would be incompatible with the welfare of society and would so deprecate that seriousness of the crime as to undermine respect for the law.”

Chapman will next appear for a parole hearing in August 2018, according to online state records.

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