Friday, June 5, 2026

Six Strange And Annoying Signs You’re Getting Older (And What To Do About Them) 

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I can’t be the only one noticing all the pesky signs of ageing. I used to be 5ft 8in – now, at 63, it’s more like 5ft 7in. My vision, hearing, memory and hair aren’t quite what they used to be, just a few things that tend to wane as the number of candles on our birthday cake increases. Are there biological and scientific reasons behind all of these annoying signs? What is normal and what isn’t? And more importantly, can I slow them down? I consulted the experts to find out……..Continue reading

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Source:  Telegraph

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Critics:

Most biological organisms have a naturally limited longevity due to aging, unlike a rare few that are considered biologically immortal. Given that different species of animals and plants have different potentials for longevity, the disrepair accumulation theory of aging tries to explain how the potential for longevity of an organism is sometimes positively correlated to its structural complexity.

It suggests that while biological complexity increases individual lifespan, it is counteracted in nature since the survivability of the overall species may be hindered when it results in a prolonged development process, which is an evolutionarily vulnerable state. According to the antagonistic pleiotropy hypothesis, one of the reasons biological immortality is so rare is that certain categories of gene expression that are beneficial in youth become deleterious at an older age.

Longevity myths are traditions about long-lived people (generally supercentenarians), either as individuals or groups of people, and practices that have been believed to confer longevity, but for which scientific evidence does not support the ages claimed or the reasons for the claims.

A comparison and contrast of “longevity in antiquity” (such as the Sumerian King List, the genealogies of Genesis, and the Persian Shahnameh) with “longevity in historical times” (common-era cases through twentieth-century news reports) is elaborated in detail in Lucian Boia’s 2004 book Forever Young: A Cultural History of Longevity from Antiquity to the Present and other sources.

After the death of Juan Ponce de León, Gonzalo Fernández de Oviedo y Valdés wrote in Historia General y Natural de las Indias (1535) that Ponce de León was looking for the waters of Bimini to cure his aging. Traditions that have been believed to confer greater human longevity also include alchemy, such as that attributed to Nicolas Flamel. In the modern era, the Okinawa diet has some reputation of linkage to exceptionally high ages.

Longevity claims may be subcategorized into four groups: “In late life, very old people often tend to advance their ages at the rate of about 17 years per decade …. Several celebrated super-centenarians (over 110 years) are believed to have been double lives (father and son, relations with the same names or successive bearers of a title) …. A number of instances have been commercially sponsored, while a fourth category of recent claims are those made for political ends ….”

 The estimate of 17 years per decade was corroborated by the 1901 and 1911 British censuses. Time magazine considered that, by the Soviet Union, longevity had been elevated to a state-supported “Methuselah cult”. Robert Ripley regularly reported supercentenarian claims in Ripley’s Believe It or Not!, usually citing his own reputation as a fact-checker to claim reliability.[4

Longevity in other animals can shed light on the determinants of life expectancy in humans, especially when found in related mammals. However, important contributions to longevity research have been made by research in other species, ranging from yeast to flies to worms. In fact, some closely related species of vertebrates can have dramatically different life expectancies, demonstrating that relatively small genetic changes can have a dramatic impact on aging.

For instance, Pacific Ocean rockfishes have widely varying lifespans. The species Sebastes minor lives a mere 11 years while its cousin Sebastes aleutianus can live for more than 2 centuries. Similarly, a chameleon, Furcifer labordi, is the current record holder for shortest lifespan among tetrapods, with only 4–5 months to live. By contrast, some of its relatives, such as Furcifer pardalis, have been found to live up to 6 years.

There are studies about aging-related characteristics of and aging in long-lived animals like various turtles and plants like Ginkgo biloba trees. They have identified potentially causal protective traits and suggest many of the species have “slow or [times of] negligible senescence” (or aging). The jellyfish T. dohrnii is biologically immortal and has been studied by comparative genomics.

This increased DNA damage is likely due to an imbalance of pro- and anti-oxidants during flight-associated oxidative stress. Flight induced oxidative DNA damage appears to hasten senescence and reduce longevity in A. mellifera. In preindustrial times, deaths at young and middle age were more common than they are today. This is not due to genetics, but because of environmental factors such as disease, accidents, and malnutrition, especially since the former were not generally treatable with pre-20th-century medicine.

Deaths from childbirth were common for women, and many children did not live past infancy. In addition, most people who did attain old age were likely to die quickly from the above-mentioned untreatable health problems. Despite this, there are several examples of pre-20th-century individuals attaining lifespans of 85 years or greater, including John Adams, Cato the Elder, Thomas Hobbes, Christopher Polhem, and Michelangelo. This was also true for poorer people like peasants or laborers.

Genealogists will almost certainly find ancestors living to their 70s, 80s and even 90s several hundred years ago. For example, an 1871 census in the UK (the first of its kind, but personal data from other censuses dates back to 1841 and numerical data back to 1801) found the average male life expectancy as being 44, but if infant mortality is subtracted, males who lived to adulthood averaged 75 years.

The present life expectancy in the UK is 77 years for males and 81 for females, while the United States averages 74 for males and 80 for females. Studies have shown that black American males have the shortest lifespans of any group of people in the US, averaging only 69 years (Asian-American females average the longest). This reflects overall poorer health and greater prevalence of heart disease, obesity, diabetes, and cancer among black American men.

Women normally outlive men. Theories for this include smaller bodies that place lesser strain on the heart (women have lower rates of cardiovascular disease) and a reduced tendency to engage in physically dangerous activities. Conversely, women are more likely to participate in health-promoting activities.

The X chromosome also contains more genes related to the immune system, and women tend to mount a stronger immune response to pathogens than men.However, the idea that men have weaker immune systems due to the supposed immuno-suppressive actions of testosterone is unfounded.

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Thursday, June 4, 2026

How Corporate Finance Teams Are Rethinking Foreign Exchange Risk

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Currency risk has steadily risen up the corporate agenda over the past year. Geopolitical shocks, shifting trade policies and persistent macroeconomic uncertainty (subscription required) have made foreign exchange (FX) exposure harder to ignore. Recent tensions in the Middle East offer a reminder of how quickly global events can ripple through currency markets. Periods of political instability are often accompanied by sudden shifts in exchange rates as investors reassess risk and capital flows adjust……Continue reading….

By Eric Huttman

Source: Forbes

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Critics:

A firm has economic risk (also known as forecast risk) to the degree that its market value is influenced by unexpected exchange-rate fluctuations, which can severely affect the firm’s market share with regard to its competitors, the firm’s future cash flows, and ultimately the firm’s value. Economic risk can affect the present value of future cash flows. An example of an economic risk would be a shift in exchange rates that influences the demand for a good sold in a foreign country.

Another example of an economic risk is the possibility that macroeconomic conditions will influence an investment in a foreign country.[8] Macroeconomic conditions include exchange rates, government regulations, and political stability. When financing an investment or a project, a company’s operating costs, debt obligations, and the ability to predict economically unsustainable circumstances should be thoroughly calculated in order to produce adequate revenues in covering those economic risks.

For instance, when an American company invests money in a manufacturing plant in Spain, the Spanish government might institute changes that negatively impact the American company’s ability to operate the plant, such as changing laws or even seizing the plant, or to otherwise make it difficult for the American company to move its profits out of Spain. As a result, all possible risks that outweigh an investment’s profits and outcomes need to be closely scrutinized and strategically planned before initiating the investment.

Other examples of potential economic risk are steep market downturns, unexpected cost overruns, and low demand for goods. International investments are associated with significantly higher economic risk levels as compared to domestic investments. In international firms, economic risk heavily affects not only investors but also bondholders and shareholders, especially when dealing with the sale and purchase of foreign government bonds.

However, economic risk can also create opportunities and profits for investors globally. When investing in foreign bonds, investors can profit from the fluctuation of the foreign-exchange markets and interest rates in different countries. Investors should always be aware of possible changes by the foreign regulatory authorities. Changing laws and regulations regarding sizes, types, timing, credit quality, and disclosures of bonds will immediately and directly affect investments in foreign countries.

For example, if a central bank in a foreign country raises interest rates or the legislature increases taxes, the return on investment will be significantly impacted. As a result, economic risk can be reduced by utilizing various analytical and predictive tools that consider the diversification of time, exchange rates, and economic development in multiple countries, which offer different currencies, instruments, and industries.

When making a comprehensive economic forecast, several risk factors should be noted. One of the most effective strategies is to develop a set of positive and negative risks that associate with the standard economic metrics of an investment. In a macroeconomic model, major risks include changes in GDP, exchange-rate fluctuations, and commodity-price and stock-market fluctuations. It is equally critical to identify the stability of the economic system.

Before initiating an investment, a firm should consider the stability of the investing sector that influences the exchange-rate changes. For instance, a service sector is less likely to have inventory swings and exchange-rate changes as compared to a large consumer sector. A firm has contingent risk when bidding for foreign projects, negotiating other contracts, or handling direct foreign investments.

Such a risk arises from the potential of a firm to suddenly face a transnational or economic foreign-exchange risk contingent on the outcome of some contract or negotiation. For example, a firm could be waiting for a project bid to be accepted by a foreign business or government that, if accepted, would result in an immediate receivable. While waiting, the firm faces a contingent risk from the uncertainty as to whether or not that receivable will accrue.

Companies will often participate in a transaction involving more than one currency. In order to meet the legal and accounting standards of processing these transactions, companies have to translate foreign currencies involved into their domestic currency. A firm has transaction risk whenever it has contractual cash flows (receivables and payables) whose values are subject to unanticipated changes in exchange rates due to a contract being denominated in a foreign currency.

To realize the domestic value of its foreign-denominated cash flows, the firm must exchange, or translate, the foreign currency for domestic. When firms negotiate contracts with set prices and delivery dates in the face of a volatile foreign exchange market, with rates constantly fluctuating between initiating a transaction and its settlement, or payment, those firms face the risk of significant loss. Businesses have the goal of making all monetary transactions profitable ones, and the currency markets must thus be carefully observed.

Applying public accounting rules causes firms with transnational risks to be impacted by a process known as “re-measurement”. The current value of contractual cash flows are remeasured on each balance sheet. A firm’s translation risk is the extent to which its financial reporting is affected by exchange-rate movements.

As all firms generally must prepare consolidated financial statements for reporting purposes, the consolidation process for multinationals entails translating foreign assets and liabilities, or the financial statements of foreign subsidiaries, from foreign to domestic currency. While translation risk may not affect a firm’s cash flows, it could have a significant impact on a firm’s reported earnings and therefore its stock price.

Translation risk deals with the risk to a company’s equities, assets, liabilities, or income, any of which can change in value due to fluctuating foreign exchange rates when a portion is denominated in a foreign currency. A company doing business in a foreign country will eventually have to exchange its host country’s currency back into their domestic currency. When exchange rates appreciate or depreciate, significant, difficult-to-predict changes in the value of the foreign currency can occur.

For example, U.S. companies must translate Euro, Pound, Yen, etc., statements into U.S. dollars. A foreign subsidiary’s income statement and balance sheet are the two financial statements that must be translated. A subsidiary doing business in the host country usually follows that country’s prescribed translation method, which may vary, depending on the subsidiary’s business operations.

Regional knowledge exchange advances pesticide risk reduction in Ethiopia  15:30 Tue, 05 Ma

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One Bag, Three Ways: The Most Adaptable Designer Silhouettes 

Moritz Scholz / Getty There comes a point when you realise the best designer bags aren’t always the ones with the longest wait lists or the ...