Happy Birthday USA & Canada!

From coast to coast across North America there will be parades, picnic, concerts and fireworks celebrating Canada Day on July 1 and Independence Day on July 4.

FlagsUSCanadaIt’s birthday time for the neighbors!

Canada Day is the national day of Canada, a federal statutory holiday celebrating the anniversary of the July 1, 1867, enactment of the British North America Act, 1867, which united three colonies into a single country called Canada within the British Empire. Originally called Dominion Day, the holiday was renamed in 1982, the year the Canada Act was passed. Canada Day observances of this 150th birthday will take place throughout Canada as well as among Canadians internationally.

Independence Day, also referred to as the Fourth of July or July Fourth, is a federal holiday in the United States commemorating the adoption of the Declaration of Independence 241 years ago on July 4, 1776. The Continental Congress declared that the thirteen American colonies regarded themselves as a new nation, the United States of America, and were no longer part of the British Empire.

In both countries a large percentage of the population gets the nation’s birthday off and many retailers, government offices, libraries, schools and services shut down.

Celebrations such as fireworks or parades will generally be held on this day. In major cities across the continent celebrations begin early in the day and continue into the evening, with concerts, games and other festivities.

Our Brains Take Shortcuts

Our brains are good at some things but not others. We are terrible at crunching numbers, for example. The brain takes shortcuts and makes snap judgements instead of carefully deliberating the facts, according to Jeff Stibel, a vice chairman of Dun & Bradstreet and a brain scientist.

Business owners should consider experimenting with prices. Thanks to brain science, we now know that even a one-cent change can make a big difference.

CrunchingNumbersThe human brain is likely to round down to make a product appear to be a better value. Being aware of this can make you a more careful buyer. Numbers are an easy place for the brain to take a shortcut. We tend to be great at making estimates but horrible at rounding. When our brains see a price tag with lots of numbers, they automatically estimate, so $4.99 ends up closer to $4 than to $5; $66,999 becomes $66,000 or sometimes even $60,000. Psychologists have known this for decades, and economists now begrudgingly admit it too.

Researchers found that there is a big sales difference between $2.99 and $3, but dropping a product’s price from $2.24 to $2.23 does not yield a measurable sales increase. Relative pricing plays a significant role: A product’s price compared to the products physically surrounding it can impact its sales.

This is why gas stations not only charge per gallon to the nine-tenths of a cent but also price match to the nearby competitor. The human brain is especially good at making either/or comparisons and especially bad at decimals.

Rounding bias becomes more important for a larger purchase. A $399,000 house is pretty much $400,000, but not in your mind: your brain shortcut system will try to suggest it’s closer to $300,000.

To combat this, physically write down the price on a piece of paper, strike through it, and rewrite the appropriate number by rounding up. The best defense is always a strong offense.

Billionaires Ready for the Apocalypse

A rising number of American billionaires are snapping up large tracts of land. Some are doing it in preparation for an apocalyptic event – be it viral epidemic, nuclear war or cataclysmic pole shift.

Reid Hoffman, the cofounder of LinkedIn and a notable investor, told The New Yorker earlier this year he estimates more than 50% of Silicon Valley billionaires have bought some level of “apocalypse insurance,” like an underground bunker.

doomsdayAn article in Forbes suggests the super-rich are making serious land grabs in America’s heartland, where the climate is mild and the locations are conducive to survivalism, farming and living on the land. States like Colorado, Montana, Nebraska, New Mexico, North Dakota, Texas and Wyoming are home to a number of fortified shelters and vacation homes where wealthy billionaires could happily live out their post-doomsday or retirement days.

According to Forbes contributor Jim Dobson, lots of billionaires have private planes “ready to depart at a moment’s notice.” They also own motorcycles, weaponry and generators. None of the billionaires named by Forbes have said publicly that their vast amounts of land will be used for apocalypse preparations – though they certainly would make good hide-outs.

John Malone, who made his fortune in cable and communications, is the nation’s biggest individual landowner. Malone owns 2.2 million acres across six states including huge swaths of Maine and New Hampshire. The cable king told Forbes in 2011 that he made the land grabs as an investment. He said he loves to fish and occasionally bird-hunt on his properties.

Media mogul Ted Turner, the second biggest individual landowner in the US, owns 2 million acres across Colorado, Kansas, Montana, Nebraska, New Mexico and South Dakota.

Philip Anschulze, a railroad and oil magnate, locked down 434,000 acres in Wyoming. Amazon’s Jeff Bezos has 400,000 acres in Texas. And Stan Kroenke, owner of a massive sports and entertainment holding company, bought 225,000 acres in Montana.

Real estate tycoon David Hall, a Mormon engineer, has been snapping up farmland in Vermont. He wants to build sustainable, high-density communities based on the writings of religious figure Joseph Smith.

Nearly 1 in 3 People Overweight

Nearly a third of the world’s population is obese or overweight and an increasing number of people are dying of related health problems in a “disturbing global public health crisis,” acording to a study published in the New England Journal of Medicine.

Some 4 million people died of cardiovascular disease, diabetes, cancer and other ailments linked to excess weight in 2015, bringing death rates related to being overweight up 28 percent since 1990, according to the research.

“People who shrug off weight gain do so at their own risk,” said Christopher Murray, one of the authors of the study. In 2015, excess weight affected 2.2 billion people equal to 30 percent of the world’s population, according to the study.

Almost 108 million children and more than 600 million adults weighed in as obese, having a body mass index (BMI) above 30, said the research that covered 195 countries. More than 60 percent of fatalities occurred among this group, the study by the Institute for Health Metrics and Evaluation (IHME) at the University of Washington found.

BMI is calculated by dividing a person’s weight in kilograms by their height in meters squared, and is an indication of whether a person is a healthy weight. A BMI score over 25 is overweight, over 30 is obese and over 40 is morbidly obese.

The World Health Organization says obesity has more than doubled since 1980, reaching epidemic proportions. Obesity rates among children were increasing faster than among adults in many countries, including Algeria, Turkey and Jordan, the study said. Meanwhile, almost 800 million people, including 300 million children, go to bed hungry each night, according to the United Nations.

Poor diets and sedentary lifestyles were mainly to blame for increasing numbers of overweight people, experts said. Urbanization and economic development have led to increasing obesity rates also in poor countries where part of the population doesn’t have enough to eat, as people ditch traditional, vegetable-rich diets for processed foods.

“People are consuming more and more processed foods that are high in sugar and fat and exercising less,” said Boitshepo Bibi Giyose, senior nutrition officer at the U.N. Food and Agriculture Organization. Research in Mexico, Brazil, China, South Korea and Britain by London-based Overseas Development Institute has shown that the cost of processed foods like ice cream, hamburgers, chips and chocolate has fallen since 1990, while the cost of fresh fruit and vegetables has gone up.

History of Irish Surnames

The earliest known Irish surname is O’Clery (O Cleirigh). It was written that the lord of Aidhne, Tigherneach Ua Cleirigh, who died in County Galway back in the year 916 A.D. In fact, that Irish name may actually be the earliest surname recorded in all of Europe, according to the website Ancestry.com.

Until about the 10th century in Ireland, surnames were not passed down from generation to generation. Instead, surnames were patronymic, or based on someone’s father’s name. A person was identified by his given name plus “mac,” meaning “son of,” followed by his father’s name.

For instance, Brian mac Colum was Brian, son of Colum. Brian’s son might be Finnian mac Brian (Finnian, son of Brian). The female form of “mac” is “nic,” shortened from the Irish iníon mhic. Alternatively, the prefix “o” was sometimes used in place of “mac” and meant “grandson of” or “descended from.” If Colum was well known, his grandson might have gone by the name Finnian O Colum.

There were no fixed surnames, so a surname changed every generation or two. That can make tracing your family tree a bit complicated for thr 14% of Canadians and 10.5% of Americans descended from the Irish.

Even without hereditary surnames, those names still hold clues. For example, that person named O’Clery or O Cleirigh (or Ua Cleirigh) was the grandson or descendant of someone named Cleirigh. (“Ua” was an earlier form of “O.”)

It was around the 1100s, as the population was increasing, that people in the upper social classes started taking hereditary surnames (those that remain fixed over the generations); others didn’t need surnames, or even get around to them, until the 1500s.

Another strong influence on Irish names came with the Norman invasion of 1169, when a lot of Anglo-French names came marching into Ireland (this, too, is when the Latin-derived prefix “Fitz,” meaning “son of,” first came into Irish names). It’s from this influence that some of the names we now consider Irish — Costello, Power, Burke, and others — first entered the scene.

In the 1500s, the influence of the English was beginning to make itself felt in Ireland. Ireland was experiencing religious persecution and invasions, and many changes came to the island — including the changing of Irish names, steadily but surely over the ensuing years, into ones that sounded more English.
An example of this was the common Irish surname Mac Gabhann, which meant “son of a smith.” Some Mac Gabhanns, living in County Cavan, had their name translated to Smith and it remained that way. Others outside that area resisted, but the spelling became anglicized and they became Mac/McGowans. This was very common. In many cases the prefixes Mac and O were discarded.

Many surnames originated as occupational or descriptive names. That earliest known name, O Cleirigh (O’Clery), was someone descended from a clerk; Mac an Bhaird (Ward) was son of a bard; and Mac Labhrain (MacCloran) was son of a spokesman. Descriptive names were names that described the first person to take them. The first person with the name Dubh (Duff) (“black” or “dark”) was probably dark featured. Other descriptive surnames include Bane (“white”), Crone (“brown”) and Lawder (“strong”).
Irish toponymic surnames, deriving from a place where the original name bearer once lived, are rare. They include Ardagh, Athy, Bray, Kelly, Sutton, and a few others.

The most common Irish surnames in Ireland haven’t changed much for a century. Here are 10 of them:

1. Murphy — The Anglicized version of the Irish surname Ó Murchadha and Mac Murchadha, meaning “sea warrior.”

2. Kelly — The origin of this Irish name is uncertain. An Anglicized version of the Irish name Ó Ceallaigh, it can describe a warrior or mean “white-headed,” “frequenting churches” or “descendant of Ceallach.”

3. O’Sullivan — (Ó Súileabháin or Ó Súilleabháin in Irish). In 1890, 90 percent of the O’Sullivans were estimated to be in Munster. Many people agree that the basic surname means “eye,” but they do not agree whether the rest of the name means “one-eyed,” “hawk-eyed,” “black-eyed” or something else.

4. Walsh — This name came to Ireland via British soldiers during the Norman invasion of Ireland and means “from Wales.” It’s derived from Breathnach or Brannagh.

5. Smith — This surname does not necessarily suggest English ancestry, as some think; often the surname was derived from Gabhann (which means “smith”).

6. O’Brien — This name came down from Brian Boru (941-1014) who was king of Munster; his descendants took the name Ó Briain.

7. Byrne (also Byrnes; O’Byrne) — from the Irish name Ó Broin (“raven”; also, descendant of Bran); this dates to the ancient Celtic chieftain Bran mac Máelmórda, a King of Leinster in the 11th century.

8. Ryan — This name has various possible origins: from the Gaelic Ó Riagháin (grandson or descendant of Rían) or Ó Maoilriain (grandson/descendant of Maoilriaghain) or Ó Ruaidhín (grandson/descendant of the little red one). Or it may be a simplification of the name Mulryan. It means “little king.”

9. O’Connor — From Ó Conchobhair (grandson or descendant of Conchobhar; “lover of hounds”).

10. O’Neill — Anglicized from the Gaelic Ua Néill (grandson or descendant of Niall). The name is connected with meanings including “vehement” and “champion.” The main O’Niall family is descended from the historic “Niall of the Nine Hostages.”

‘Smartphone Thumb’ Plaguing More People

A condition that doctors used to only see in factory workers is becoming more widespread. The pain that comes from the repetitive movements of texting has been dubbed “smartphone thumb” by doctors.

It’s actually tendinitis, when the tendon that bends and flexes the thumb becomes inflamed. More and more people are complaining about this type of pain in their thumb each year, say doctors at the Mayo Clinic.

Dr. Kristin Zhao, a biomedical engineer at the Mayo Clinic in Rochester, Minn., explained what might be happening inside the hand to cause “smartphone thumb.”

“One of the hypotheses is that the joints get loose and lax, and because of that, the bones kind of move differently than they would in a normal situation,” said Zhao. She and a team of colleagues have been studying “smartphone thumb” for the last seven years. She says the movements we require our thumbs to make as we hold our phones are awkward.

“It’s also a movement that requires some force through the thumbs. So when you press on your phone, you know, you’re interacting with your phone. It’s not just free movement in space,” she said.

Mayo Clinic researchers began using a dynamic imaging technique in 2010 to watch the bones of a healthy patient move so they could document what’s normal and compare it with what’s not. “Our hypothesis is that abnormal motion of bones in the thumb could be causing pain onset and eventual osteoarthritis,” Zhao said.

Too much texting might lead to more cases of arthritis in the thumb, Zhao says. “There is a high incidence of osteoarthritis in the thumb, and we just want to make sure we aren’t encouraging that onset by our daily activities,” she said.

The researchers also want to address is the impact of so much thumb movement on children. What it will mean for them later in life is unknown. “We really don’t understand why adults get pain, and so children, if you start earlier, you may get pain younger,” she said.

To prevent problems, start by giving your thumbs a break, doctors say. Mix up your method by using your forefinger to peck the screen, or use your voice to dictate a message. You can also perform daily stretching exercises with your wrists and fingers to keep your tendons limber.

Think about wow often you’re using your joints and how often you are resting them, advises Zhao. “Are we taking periodic rests, or are we just exposing continually over the course of the day?” she asked.

The Mayo Clinic study is ongoing, and researchers have not yet reached any conclusions. Doctors do already know that about osteoarthritis in the thumb occurs more in women than men.

Protect Your Heart, Eat Dark Chocolate

Chocolate has always been the “magical” cure-all ingredient for our ailments. We often eat chocolate in the form of candy to lift our mood or mend a broken heart. Now, Medical Daily reports, researchers at Harvard T.H. Chan School of Public Health in Denmark suggest the rich cocoa candy could also protect our heart health by decreasing the risk of irregular heartbeat.

Eating up to six servings of chocolate per week led to a 20 percent lower risk of being diagnosed with atrial fibrillation (AF) – a common and dangerous type of irregular heartbeat. Previous research proposes cocoa and cocoa-containing foods, like dark chocolate, possess heart health benefits because their high flavanol content promotes the healthy function of blood vessels. In the Danish study, the chocolate consumed had relatively low concentrations of possible protective ingredients, though there was still a significant association between small amounts of cocoa consumption and better heart health.

“Our study adds to the accumulating evidence on the health benefits of moderate chocolate intake and highlights the importance of behavioral factors for potentially lowering the risk of arrhythmias,” said Elizabeth Mostofsky, lead author of the study. She is an instructor in the Department of Epidemiology at Harvard Chan School and a postdoctoral fellow at Beth Israel Deaconess Medical Center.

In the study, published in Heart, researchers analyzed a total of 55,502 men and women participating in the Danish Diet, Cancer and Health Study, who had their body mass index, blood pressure, and cholesterol measured during recruitment (from December 1993 and May 1997). Participants’ health conditions, such as high blood pressure, diabetes or cardiovascular disease, and data on their diet and lifestyle from questionnaires, were also taken into account. During the 13.5-year follow-up period, there were 3,346 cases of atrial fibrillation.

Mostofsky and her research team found men and women who ate one to three servings of chocolate per month had a 10 percent lower rate of AF than those who ate a one-ounce serving less than once a month. Meanwhile, those who ate one serving per week had a 17 percent lower rate, and those who consumed two to six servings per week had a 20 percent lower rate. However, this benefit tapered off for those who ate one or more servings per day; they experienced only a 16 percent lower AF rate.

So, how much chocolate is too much? It depends. Mostofsky cautions we should be mindful of over-indulgence. “Eating excessive amounts of chocolate is not recommended because many chocolate products are high in calories from sugar and fat and could lead to weight gain and other metabolic problems. But moderate intake of chocolate with high cocoa content may be a healthy choice,” she said.

Previous research has found high consumption of chocolate can lead to more heart health benefits, but moderation is key. A 2015 study published in Heart found participants who ate 15 to 100 grams of chocolate a day, from candy bars to hot cocoa, had a lower risk for heart disease and stroke than those who did not eat any chocolate. Two classic Hershey’s bars are the equivalent of 100 grams and can lead to a minimum intake of 500 calories.

Eating more dark chocolate was also linked to lower body mass index (BMI), waist to hip ratio, systolic blood pressure and inflammatory proteins. These participants also saw an 11 percent lower risk of heart disease, and a 25 percent lower risk of associated death. The study also noted more participants ate milk chocolate versus dark chocolate, which has long been considered healthier.

Both milk chocolate and dark chocolate contain cocoa, but dark chocolate has a higher concentration, and could be more potent in protecting heart health. A general rule is the more cocoa a chocolate bar has, the more flavonoids it possesses, and the better it is for our health. Eating chocolate could lead to an effective treatment in common heart ailments that can provide better and more consistent results.

Clear Out Outdated, Unused Items

Brighten your mood by clearing out the clutter in your home. Make it a once-a-month routine.

1. Old magazines – You aren’t going to read the old magazines you have lying around, so clear them out. You can donate your magazines to child care centers and nursing homes. If there’s an article that really speaks to you, scan a digital image of it and keep it in your computer. Or keep a folder of magazine clippings if you like saving magazine articles.

2. Receipts, bills, and documents – Throw away receipts for items that you aren’t planning on returning, and ones that you won’t need to use come tax time.

3. Clothes – Use the two-year-rule for clothes – get rid of apparel that you haven’t worn in two years. Sell them to a thrift store (find a thrift store at thethriftshopper.com) or donate them to the needy.

4. Books – Go through your bookshelf and gather together books you haven’t touched in months and ones that you aren’t planning on rereading. Be realistic and make sure you’re ruthless. If you haven’t touched it in a year, you’re most likely not going to read it again. Donate the books or sell them on Amazon, Craigslist or eBay. You can even trade them for something else on swap.com.

5. Medicine and vitamins – Take a look at your medicine closet and clear out drugs that have expired, medicine that has sat on your shelf for too long and ones that you no longer use. First, check to see what the proper disposal methods are for the medication, and if you can’t find any, check to see if your community has a drug take-back program. If there isn’t a program near you, then the FDA advises mixing medicine with “used coffee grounds or kitty litter” in a container or sealable bag before throwing it away to make the drugs less appealing.

6. Makeup and perfume – Go through your beauty cabinet and get rid of makeup that’s too old or that you don’t use.

7. Jewelry – Go through your jewelry and dispose of the broken costume jewelry and make plans to sell ones that you don’t wear. For fine jewelry, look up appraisers from the National Association of Jewelry Appraisers. Once you have a quoted price, shop around at auction houses, estate buyers, pawnshops and jewelers to see if you can find a better deal.

8. Food – Go through your pantry and fridge and clear out items that need to be thrown out – the old, unused and rotting. Do this weekly instead of monthly, just to make sure you don’t have any unpleasant surprises!

9. Some memorabilia – Many organizing experts advise that you be ruthless and throw away memorabilia like cards and gifts you don’t use. You can keep some of them by perhaps creating some sort of poster with old cards or designating a small shoe box for memorabilia. Resolve to throw away anything that can’t fit into the box.

10. Notebooks – Take a look at the old notebooks you have and throw out the ones that you no longer need.

11. Old or unused electronics – Have an electric piano you don’t use? Or maybe you just never got around to getting rid of your old laptop or cell phone. Sell your electronics on Gazelle.com and Nextworth.com. These sites are great because they’ll quote you a price for the item you wish to sell. You can also sell it on sites such as Craigslist and eBay.

Last Letter Added to the Alphabet Wasn’t ‘Z’

The alphabet is one of the first things we ever learn ever. That’s why when you read “A B C D E F G,” you sing The Alphabet Song in your head.

The alphabet might have been drastically different. It once had six more letters that were eventually dropped. And the alphabet we know today was not created alphabetically. “Z” may be the last letter in alphabetical order, but the last letter added to our alphabet was actually “J.”

In the Roman alphabet, the English alphabet’s father, “J” wasn’t a letter. It was just a fancier way of writing the letter “I” called a swash. When lowercase “i”s were used as numerals, the lowercase “j” marked the end of a series of ones, like “xiij” for 13. Both letters were used interchangeably to write the vowel sound /i/ (like the “i” in igloo) and the consonant sound /j/ (like the “y” in yes).

Then along came Gian Giorgio Trissino, a grammarian who wanted to reform Italian linguistics. In 1524, he wrote an essay that identified “I” and “J” as two separate letters. “I” distinguished the aforementioned vowel, and “J” became a conbanjoFrogsonant that probably sounded more like the “j” in Beijing. Others later adopted his use of “J,” but Romance languages altered its pronunciation to the “j” we’re familiar with (as in jam).

The first English book to explain the difference between the two letters was published in 1633, and the rest is linguistic history. If not for good ol’ Trissino, then jolly Jack and joyful Jill couldn’t jump and juggle in the jungle while jostling Joe for his banjo!

Millennials Redefine the American Dream

Millennials haven’t given up on the American Dream: their expectation of it has evolved.

A Bank of the West study finds millennials (18-36) still view the American Dream as owning a home, paying off debt and someday retiring from a fulfilling career. However, they’ve amended the dream to include travel, pursuing their passions and living abroad. It’s an American Dream that doesn’t all take place in the U.S., and it requires significant capital to back up.

“Millennials dream of living abroad, moving to a new city and switching careers, but in reality they are quite satisfied with stability,” says Paul Appleton, executive vice president of consumer payments and product at Bank of the West. “It’s an interesting dichotomy that doesn’t appear with Gen-Xers or boomers. This generation is dreaming bigger and better, and while they are confident they’ll fulfill their dreams, they need help figuring out how to fund them.”

With more than 6 in 10 millennials believing the American Dream is still alive today, they’re largely in agreement with older generations about what it looks like. Being happy (70%), owning a home (60%), being debt-free (55%) and retiring comfortably (51%) are all key elements of it, but that isn’t the complete picture. The overwhelming majority of millennials (85%) say it’s important to have the flexibility to move when they want, with 67% saying would like to live abroad at some point in their lives and a third of this group can seeing themselves living in another country for the long term.

The American Dream is still a largely aspirational concept. Millennials only envision themselves packing up and moving to a new city, state or country fewer than two more times in their lives. Most (68%) even say they would prefer to build a life in one community, rather than live and work in multiple places. At this stage, 43% of millennials have bought their homes, while 75% of non-homeowners say they could be motivated to buy a house.

As a result, millennials helped make first-time home buyers 32% of all home buyers in March. That’s the highest percentage of first-time home buyers during that month in three years and follows a 2016 housing market in which 35% of home buyers were first-timers – up from 30% for all of 2015.

Eighty-five percent of millenials say they are confident that they will attain their American Dream. Roughly 67% think they have more opportunity to be successful than their parents had. They see opportunity (80%), not innate ability (20%), as the key to reaching their goals, though only 49% have a financial plan in place.

“Millennials have high expectations for their personal and professional lives, and are driven and able to accomplish the goals that they’ve set out for themselves,” Appleton added. “They want the choice and flexibility to make their own decisions – whether it is to build a new life in a foreign country, navigate a career change to pursue their passions, or buy a home and raise a family. By putting a financial plan in place, millennials can ensure they have the means to build the life they want to lead.”