What the future of health looks like we made what the future of health looks like christmas what the future of health looks good what the future of health looks can be deceiving what the future of cell phones in 2022 what the future of gnc store what the future of nursing looks like what the future of restaurants might look like what the future holds quote what the future beholds what the dog doin what the hales

What the Future of Health Looks Like for Apple

What the Future of Health Looks Like for Apple

Apple's Health app keeps evolving, with aspirations to be a complete combination personal data archive, medical liaison and insight engine. But the goals, while ambitious, aren't fully realized yet. iOS 16 and WatchOS 9 are adding medication management and multistage sleep tracking to a growing list of features. But what comes next, and will it start to become a tool that interfaces with doctors even more than it has?

Apple just published a multipage health report (PDF), which aims to detail where the company sees its health focus heading on the iPhone and the Apple Watch. The report covers the app, research studies and initiatives with medical organizations.

As Google prepares to release a Pixel Watch that will connect to Fitbit's features and services, Apple looks to be strengthening its position by expanding beyond the watch to a larger spectrum of health services. Already, Apple Health and Fitness Plus are evolving into services you don't need an Apple Watch to use.

When will Health start to become an extension of how I connect with my own doctors? Will sleep tracking offer a doorway to other health insights? And why doesn't Apple have its own equivalent of the "readiness score" used by Fitbit and Oura?

Apple's vice president of health, Dr. Sumbul Desai, spoke with CNET about the goals of Apple Health and where goals are being set next. She sees the blend of lifestyle with clinical data, medication data and an increasing number of metrics in one place as helping future insights in other health measurements over time. 

"You have to do it in a really thoughtful and meaningful way," Desai said. "Because there are also correlations you can make that are incorrect. That's where the work is, making sure that when you make those connections that they are correct, grounded in the science and make sense to the user."

Medication tracking on iOS 16 looks like another step to bring medical histories onto Health.

Apple

Where does Apple Health meet your doctor?

As I've found over the last few months, over several surgeries and doctor visits, my own medical care doesn't often connect with my wearable and phone apps. Apple's been aiming to make strides to connect Apple Health with medical providers, but the framework isn't fully there yet for digital health platforms. A lot of Apple's promised benefits are in identifying long-term data patterns and insights.

"I do think how they interact with each other is really important," said Desai, who points to the new tracking of atrial fibrillation patterns over time in Watch OS 9. "We are actually taking how much time you're in AFib and correlating it to your lifestyle. How much you're sleeping. How much you're moving, you'll see the changes in AFib. If you're using Mindful Minutes, do you see a change."

Apple has tried making data sharing easier with doctors, but right now it still doesn't go far enough. At the medical group where I'm a patient, for instance, there's no obvious way to share the data I'm collecting in Apple Health through the patient portal.

Sleep tracking is gaining sleep stages in WatchOS 9. Will that bring a wave of other health insights down the road?

Apple

Sleep as the next frontier?

Apple's addition of sleep stage-based sleep tracking in the upcoming Watch OS 9 looks to close the gap on other fitness trackers like those from Fitbit, Samsung and Oura. Apple's been pulling new features for the Apple Watch from work in some of the company's ongoing heart research studies, and sleep could end up being a place that evolves next.

"What I'm really excited to learn from a scientific standpoint is, does the amount of sleep that you're getting in certain stages, like core [replenishing sleep], does that actually translate to benefit during the day when you're moving?" Desai said. "Are there certain phenotypes of certain people who have more benefit versus others? There's so much to tackle from a research standpoint there. We would never put anything out until we knew we kind of had some scientific grounding. The whole causation-correlation thing can get very tricky."

Desai suggested future research combining sleep stage data with Apple's ongoing heart and move data from its ongoing study will possibly provide more insights, "but we're still a ways away from that."

Could Apple ever develop its own readiness score?

One thing Apple's evolving and elaborate set of Health insights currently doesn't have is any sort of attempt at a distilled score, or personal health rating. Fitbit, Oura, and a number of other wearables have daily personal scores derived from a variety of individual metrics. I asked Desai whether Apple might pursue a similar idea anytime soon. While it sounds like a direction Apple Health could head in, it also seems like Apple is still trying to lock down the best path to get there.

"It's a really good question. I think the answer is, to be honest, is we don't have a firm POV yet," Desai said. "We want to understand the science behind that, and what can we understand and glean from a scientific standpoint."

Desai suggests that the health measurements, and their meanings, can vary. "HRV [heart rate variability] is a great metric. I'm super fascinated by HRV. But HRV can be changed based on multiple reasons." She suggested that Apple's eventual evolution of its insights will need to come with clear guidance, too.

"I think for us, we want to be able to provide actionable information. So to understand to do that, you actually have to be able to draw it back to, what we think is actually causing that? We are really trying to understand the science behind all of these different metrics and focus on how we provide insights that we know we can back up."

On whether Apple Health could come to other non-Apple devices

Apple's aiming for Health to be a comprehensive, secure system for anyone to use, but it still flows through Apple hardware, which means a portion of the population will always be left out. I asked Desai whether Apple Health might ever be available beyond iPhones.

"We're always looking at ways to support the ecosystem. We just want to make sure we can support that in a private and secure way. That's fundamentally what drives our decision making," Desai said. "We have a ton of things in the App Store ecosystem that are super interesting that people are doing, and we're very supportive of supporting that work.

"Honestly, we make a lot of decisions driven by privacy. And there's a lot of things we choose not to do and choose to do, based upon that."

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

What the Future of Health Looks Like for Apple

What the Future of Health Looks Like for Apple

Apple's Health app keeps evolving, with aspirations to be a complete combination personal data archive, medical liaison and insight engine. But the goals, while ambitious, aren't fully realized yet. iOS 16 and WatchOS 9 are adding medication management and multistage sleep tracking to a growing list of features. But what comes next, and will it start to become a tool that interfaces with doctors even more than it has?

Apple just published a multipage health report (PDF), which aims to detail where the company sees its health focus heading on the iPhone and the Apple Watch. The report covers the app, research studies and initiatives with medical organizations.

As Google prepares to release a Pixel Watch that will connect to Fitbit's features and services, Apple looks to be strengthening its position by expanding beyond the watch to a larger spectrum of health services. Already, Apple Health and Fitness Plus are evolving into services you don't need an Apple Watch to use.

When will Health start to become an extension of how I connect with my own doctors? Will sleep tracking offer a doorway to other health insights? And why doesn't Apple have its own equivalent of the "readiness score" used by Fitbit and Oura?

Apple's vice president of health, Dr. Sumbul Desai, spoke with CNET about the goals of Apple Health and where goals are being set next. She sees the blend of lifestyle with clinical data, medication data and an increasing number of metrics in one place as helping future insights in other health measurements over time. 

"You have to do it in a really thoughtful and meaningful way," Desai said. "Because there are also correlations you can make that are incorrect. That's where the work is, making sure that when you make those connections that they are correct, grounded in the science and make sense to the user."

Medication tracking on iOS 16 looks like another step to bring medical histories onto Health.

Apple

Where does Apple Health meet your doctor?

As I've found over the last few months, over several surgeries and doctor visits, my own medical care doesn't often connect with my wearable and phone apps. Apple's been aiming to make strides to connect Apple Health with medical providers, but the framework isn't fully there yet for digital health platforms. A lot of Apple's promised benefits are in identifying long-term data patterns and insights.

"I do think how they interact with each other is really important," said Desai, who points to the new tracking of atrial fibrillation patterns over time in Watch OS 9. "We are actually taking how much time you're in AFib and correlating it to your lifestyle. How much you're sleeping. How much you're moving, you'll see the changes in AFib. If you're using Mindful Minutes, do you see a change."

Apple has tried making data sharing easier with doctors, but right now it still doesn't go far enough. At the medical group where I'm a patient, for instance, there's no obvious way to share the data I'm collecting in Apple Health through the patient portal.

Sleep tracking is gaining sleep stages in WatchOS 9. Will that bring a wave of other health insights down the road?

Apple

Sleep as the next frontier?

Apple's addition of sleep stage-based sleep tracking in the upcoming Watch OS 9 looks to close the gap on other fitness trackers like those from Fitbit, Samsung and Oura. Apple's been pulling new features for the Apple Watch from work in some of the company's ongoing heart research studies, and sleep could end up being a place that evolves next.

"What I'm really excited to learn from a scientific standpoint is, does the amount of sleep that you're getting in certain stages, like core [replenishing sleep], does that actually translate to benefit during the day when you're moving?" Desai said. "Are there certain phenotypes of certain people who have more benefit versus others? There's so much to tackle from a research standpoint there. We would never put anything out until we knew we kind of had some scientific grounding. The whole causation-correlation thing can get very tricky."

Desai suggested future research combining sleep stage data with Apple's ongoing heart and move data from its ongoing study will possibly provide more insights, "but we're still a ways away from that."

Could Apple ever develop its own readiness score?

One thing Apple's evolving and elaborate set of Health insights currently doesn't have is any sort of attempt at a distilled score, or personal health rating. Fitbit, Oura, and a number of other wearables have daily personal scores derived from a variety of individual metrics. I asked Desai whether Apple might pursue a similar idea anytime soon. While it sounds like a direction Apple Health could head in, it also seems like Apple is still trying to lock down the best path to get there.

"It's a really good question. I think the answer is, to be honest, is we don't have a firm POV yet," Desai said. "We want to understand the science behind that, and what can we understand and glean from a scientific standpoint."

Desai suggests that the health measurements, and their meanings, can vary. "HRV [heart rate variability] is a great metric. I'm super fascinated by HRV. But HRV can be changed based on multiple reasons." She suggested that Apple's eventual evolution of its insights will need to come with clear guidance, too.

"I think for us, we want to be able to provide actionable information. So to understand to do that, you actually have to be able to draw it back to, what we think is actually causing that? We are really trying to understand the science behind all of these different metrics and focus on how we provide insights that we know we can back up."

On whether Apple Health could come to other non-Apple devices

Apple's aiming for Health to be a comprehensive, secure system for anyone to use, but it still flows through Apple hardware, which means a portion of the population will always be left out. I asked Desai whether Apple Health might ever be available beyond iPhones.

"We're always looking at ways to support the ecosystem. We just want to make sure we can support that in a private and secure way. That's fundamentally what drives our decision making," Desai said. "We have a ton of things in the App Store ecosystem that are super interesting that people are doing, and we're very supportive of supporting that work.

"Honestly, we make a lot of decisions driven by privacy. And there's a lot of things we choose not to do and choose to do, based upon that."

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

Tags:

• The Future Of Health Is You
• The Future Of Health Care
• Questions About The Future Of Healthcare
• How Is The Future Of Healthcare
• How The Future Looks
• The Future Of Health Is You
• What The Future Of Foo tball Will Look Like
• What Is The Future Of Work
• What The Future Looks Like
• What The Future Holds Part 2
• What The World Needs Now

The future of healthcare future healthcare future health biobank what the future of computers will look like what is the future of work what the future holds meaning what the future has in store what the hell what the peeper saw what s the weather

What the Future of Health Looks Like for Apple

What the Future of Health Looks Like for Apple

Apple's Health app keeps evolving, with aspirations to be a complete combination personal data archive, medical liaison and insight engine. But the goals, while ambitious, aren't fully realized yet. iOS 16 and WatchOS 9 are adding medication management and multistage sleep tracking to a growing list of features. But what comes next, and will it start to become a tool that interfaces with doctors even more than it has?

Apple just published a multipage health report (PDF), which aims to detail where the company sees its health focus heading on the iPhone and the Apple Watch. The report covers the app, research studies and initiatives with medical organizations.

As Google prepares to release a Pixel Watch that will connect to Fitbit's features and services, Apple looks to be strengthening its position by expanding beyond the watch to a larger spectrum of health services. Already, Apple Health and Fitness Plus are evolving into services you don't need an Apple Watch to use.

When will Health start to become an extension of how I connect with my own doctors? Will sleep tracking offer a doorway to other health insights? And why doesn't Apple have its own equivalent of the "readiness score" used by Fitbit and Oura?

Apple's vice president of health, Dr. Sumbul Desai, spoke with CNET about the goals of Apple Health and where goals are being set next. She sees the blend of lifestyle with clinical data, medication data and an increasing number of metrics in one place as helping future insights in other health measurements over time. 

"You have to do it in a really thoughtful and meaningful way," Desai said. "Because there are also correlations you can make that are incorrect. That's where the work is, making sure that when you make those connections that they are correct, grounded in the science and make sense to the user."

Medication tracking on iOS 16 looks like another step to bring medical histories onto Health.

Apple

Where does Apple Health meet your doctor?

As I've found over the last few months, over several surgeries and doctor visits, my own medical care doesn't often connect with my wearable and phone apps. Apple's been aiming to make strides to connect Apple Health with medical providers, but the framework isn't fully there yet for digital health platforms. A lot of Apple's promised benefits are in identifying long-term data patterns and insights.

"I do think how they interact with each other is really important," said Desai, who points to the new tracking of atrial fibrillation patterns over time in Watch OS 9. "We are actually taking how much time you're in AFib and correlating it to your lifestyle. How much you're sleeping. How much you're moving, you'll see the changes in AFib. If you're using Mindful Minutes, do you see a change."

Apple has tried making data sharing easier with doctors, but right now it still doesn't go far enough. At the medical group where I'm a patient, for instance, there's no obvious way to share the data I'm collecting in Apple Health through the patient portal.

Sleep tracking is gaining sleep stages in WatchOS 9. Will that bring a wave of other health insights down the road?

Apple

Sleep as the next frontier?

Apple's addition of sleep stage-based sleep tracking in the upcoming Watch OS 9 looks to close the gap on other fitness trackers like those from Fitbit, Samsung and Oura. Apple's been pulling new features for the Apple Watch from work in some of the company's ongoing heart research studies, and sleep could end up being a place that evolves next.

"What I'm really excited to learn from a scientific standpoint is, does the amount of sleep that you're getting in certain stages, like core [replenishing sleep], does that actually translate to benefit during the day when you're moving?" Desai said. "Are there certain phenotypes of certain people who have more benefit versus others? There's so much to tackle from a research standpoint there. We would never put anything out until we knew we kind of had some scientific grounding. The whole causation-correlation thing can get very tricky."

Desai suggested future research combining sleep stage data with Apple's ongoing heart and move data from its ongoing study will possibly provide more insights, "but we're still a ways away from that."

Could Apple ever develop its own readiness score?

One thing Apple's evolving and elaborate set of Health insights currently doesn't have is any sort of attempt at a distilled score, or personal health rating. Fitbit, Oura, and a number of other wearables have daily personal scores derived from a variety of individual metrics. I asked Desai whether Apple might pursue a similar idea anytime soon. While it sounds like a direction Apple Health could head in, it also seems like Apple is still trying to lock down the best path to get there.

"It's a really good question. I think the answer is, to be honest, is we don't have a firm POV yet," Desai said. "We want to understand the science behind that, and what can we understand and glean from a scientific standpoint."

Desai suggests that the health measurements, and their meanings, can vary. "HRV [heart rate variability] is a great metric. I'm super fascinated by HRV. But HRV can be changed based on multiple reasons." She suggested that Apple's eventual evolution of its insights will need to come with clear guidance, too.

"I think for us, we want to be able to provide actionable information. So to understand to do that, you actually have to be able to draw it back to, what we think is actually causing that? We are really trying to understand the science behind all of these different metrics and focus on how we provide insights that we know we can back up."

On whether Apple Health could come to other non-Apple devices

Apple's aiming for Health to be a comprehensive, secure system for anyone to use, but it still flows through Apple hardware, which means a portion of the population will always be left out. I asked Desai whether Apple Health might ever be available beyond iPhones.

"We're always looking at ways to support the ecosystem. We just want to make sure we can support that in a private and secure way. That's fundamentally what drives our decision making," Desai said. "We have a ton of things in the App Store ecosystem that are super interesting that people are doing, and we're very supportive of supporting that work.

"Honestly, we make a lot of decisions driven by privacy. And there's a lot of things we choose not to do and choose to do, based upon that."

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

What are affirm afterpay klarna and paypal pay in 4 how buy crypto what are affirm afterpay klarna and paypal pay in 4 how buy nft what are affirm afterpay klarna and paypal pay in 4 how to be tigger what are affirm afterpay klarna and paypal pay in 6 what are affirm afterpay klarna and paypal pay later what are affirm afterpay klarna and paypal pay here what are affirm afterpay klarna what are affirmative action programs what are affirmative commands in spanish what are the most commonly drawn powerball numbers what are the best lottery numbers what are the symptoms of coronavirus

What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work

What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work

How many times have you added items to your online shopping cart only to balk at the total? While staying within your budget is wise, if you need to make a purchase that you're considering charging or borrowing money for, a "buy now, pay later" service might be a smarter option.

BNPL companies like Affirm, AfterPay, Klarna and PayPal Pay in 4 work by offering you micro installment loans. This loan covers the cost of your purchase right away, and lets you repay the balance over time. These services have gained traction since the pandemic and today AfterPay has more than 16 million active users, followed by Affirm's 8.7 million, most of whom are millennials and Gen Z shoppers.

But what exactly are these installment plans and how are they different from credit cards and personal loans? Here's the breakdown of these alternative financing options and how to use them.

What are installment services?

If you've ever bought a car, a home or an education, you've probably used an installment loan. Installment loans are lump-sum loans that you pay off over a set amount of months or years. For products like cars and homes, they're often funded by well-known banks, like Chase or Wells Fargo. 

Mini installment plans from companies like AfterPay and Affirm act like microloans for everyday purchases, like clothes, makeup, electronics and gym equipment (like Peloton). Affirm, for example, also supports unexpected purchases, like car repairs through YourMechanic. But unlike new car or home purchase loans, which you typically pay off over the course of many years, products and services financed through these services are typically paid off in a few weeks or months. 

How do they work?

Each online installment plan offers different setups, but the gist is: You buy your item now, select the plan at checkout with a qualifying retailer, create an account and complete your purchase. With Klarna and AfterPay, you get your goods right away and then pay for them over four installment payments: one when you check out and typically every other week or once a month thereafter. Affirm has payment options that usually range from three to 12 months, although some plans have terms as high as 48 months.

For AfterPay, as long as you make your four payments, you won't get charged late fees. Klarna has different payment options and some of them charge interest. Affirm charges 0 to 30% interest depending on your payment plan.

To take advantage of an interest-free installment plan, you need to shop with retailers that support it. Anthropologie, DSW and Fenty Beauty are AfterPay partners, for example. You might see the installment service's logo when you're viewing a product, letting you know the partnership exists and you can select a payment plan at checkout. From there, you'll usually pay the first installment and the next one will come out about two weeks later. Otherwise, the product or service will arrive on time, just like it would if you paid in full at checkout.

You can also shop through each company's app. Affirm, AfterPay, PayPal and Klarna all have apps in the App Store and Google Play that let you shop, monitor your orders and make payments. 

While they aren't like traditional loans, they're different from other types of alternative payment methods. For instance:

• They aren't credit cards. A credit card is a revolving credit line that you get approved for. You use your card to pay for your purchase in full and then at the end of the billing period you'll pay off your bill or make payments until you pay it off in full. Typically, if you don't pay your balance off at the end of the billing period, interest will accrue, which can be 20% or more. CNET always recommends paying off your credit in full. 
• They aren't the same as layaway. Layaway is when you agree to pay off an item over the course of a few months and once you've paid it off, you can take it home. Layaway usually requires an upfront deposit and a service fee, and you don't get your goods until you've paid for them in full. Some installment plan companies require an upfront deposit, but you don't have to wait to get your item; you get it right away.

How does an installment service affect my credit score?

When you apply for a loan or a credit card, that hard credit check looks at your credit history to see if you're responsible enough with credit to lend to. With BNPL apps, there's no hard credit inquiry. If the app checks your credit, it'll be a soft credit check, which won't hurt your credit score. The services don't specify the credit score you need to shop with them.

If you aren't diligent with payments, your credit score might be affected. For most micro installment loans, you're required to make payments about every two weeks and in four total installments. So if you don't pay your bill on time, that triggers a late payment for some companies. The three major credit bureaus will get notified and you could see your credit score take a dip. Late payments are one of the biggest factors in determining your credit score, and a drop in that could hurt your chances of borrowing money in the future.

Penalties and fees vary by company. Affirm and PayPal do not charge late fees. AfterPay does, though these fees will not exceed 25% of the purchase amount. Klarna doesn't charge a late fee but if you don't make a payment when it's due, you can be blocked from using the site and app in the future. None of these services charge prepayment fees, so you won't get penalized for repaying your balance sooner.

Should I use BNPL services?

It depends on what kind of shopper you are and your mentality about money. Here are some pros and cons to consider:

Pros

• You can buy items and services, even if you can't afford them right away:If you have things you need or want to buy, you're not obligated to pay full price at checkout. Micro installment loans let you pay out your purchase over a few weeks.
• You don't need great credit to get approved:Most services do a soft credit check, which won't hurt your credit score . If you don't have great credit or a long credit history, this is a good alternative payment option.
• It's simpler than a loan or credit card:If you've had trouble with credit cards or don't like using them, this is an easier method than applying for a credit card or personal loan. You can apply at checkout, whereas if you want a credit card or loan, you'll need to wait a few days before you can use those funds.

Cons

• You might believe you're spending less:If you cringe at a $1,000 couch, seeing payments broken up into $250 every other week, for example, tricks you into believing you're paying less for an item. In reality, you're still paying the same amount and you're borrowing money to do it.
• You may be charged interest or other fees: Depending on the service you choose and the repayment plan you select, you could be charged interest. Affirm, for instance, offers interest rates between 0% and 30%. While this interest does not compound like a credit card, spreading payments for that $1,000 couch over 12 months at a 30% interest rate could end up costing you $169.76 in interest alone. 
• You might not get approved for the full amount: Your credit score may not preclude you from getting approved for a BNPL loan, but it's still a factor when determining your loan amount and interest rate (if applicable). That means, there's a chance you might not get approved for the full amount you're requesting. 
• It's still a loan:Remember you're still taking out a loan, even if you pay it off sooner than you would a traditional loan. Not paying on time could result in interest fees, late payment fees or not being able to use the service in the future.
  

While the convenience of delayed payment sounds appealing as a way to get something now, you're still on the hook for paying your bill in full. If you need something now but can't afford it, micro installment loans might be a good idea. But if you don't think you'll be able to afford payments, you may want to consider another payment method or waiting until you have cash on hand to make your purchase.

Correction, April 30: Affirm has 8.7 million users, more than we previously quoted. It also has repayment options ranging from three to 12 months, a shorter period than previously listed. Clarified that AfterPay does not charge late fees as long as you make four payments.

---

Source

What are affirm afterpay klarna and paypal pay in 4 customer what are affirm afterpay klarna and paypal pay in 4 application what are affirm afterpay klarna and paypal pay later what are affirm afterpay klarna and paypal pay in four what are affirm afterpay klarna and ebay what are affirm afterpay soar what are affirmative action programs what are affirmation cards what are affirmative tu commands in spanish what are affirmative covenants what are covid symptoms

What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work

What Are Affirm, Afterpay, Klarna and PayPal Pay in 4? How 'Buy Now, Pay Later' Plans Work

How many times have you added items to your online shopping cart only to balk at the total? While staying within your budget is wise, if you need to make a purchase that you're considering charging or borrowing money for, a "buy now, pay later" service might be a smarter option.

BNPL companies like Affirm, AfterPay, Klarna and PayPal Pay in 4 work by offering you micro installment loans. This loan covers the cost of your purchase right away, and lets you repay the balance over time. These services have gained traction since the pandemic and today AfterPay has more than 16 million active users, followed by Affirm's 8.7 million, most of whom are millennials and Gen Z shoppers.

But what exactly are these installment plans and how are they different from credit cards and personal loans? Here's the breakdown of these alternative financing options and how to use them.

What are installment services?

If you've ever bought a car, a home or an education, you've probably used an installment loan. Installment loans are lump-sum loans that you pay off over a set amount of months or years. For products like cars and homes, they're often funded by well-known banks, like Chase or Wells Fargo. 

Mini installment plans from companies like AfterPay and Affirm act like microloans for everyday purchases, like clothes, makeup, electronics and gym equipment (like Peloton). Affirm, for example, also supports unexpected purchases, like car repairs through YourMechanic. But unlike new car or home purchase loans, which you typically pay off over the course of many years, products and services financed through these services are typically paid off in a few weeks or months. 

How do they work?

Each online installment plan offers different setups, but the gist is: You buy your item now, select the plan at checkout with a qualifying retailer, create an account and complete your purchase. With Klarna and AfterPay, you get your goods right away and then pay for them over four installment payments: one when you check out and typically every other week or once a month thereafter. Affirm has payment options that usually range from three to 12 months, although some plans have terms as high as 48 months.

For AfterPay, as long as you make your four payments, you won't get charged late fees. Klarna has different payment options and some of them charge interest. Affirm charges 0 to 30% interest depending on your payment plan.

To take advantage of an interest-free installment plan, you need to shop with retailers that support it. Anthropologie, DSW and Fenty Beauty are AfterPay partners, for example. You might see the installment service's logo when you're viewing a product, letting you know the partnership exists and you can select a payment plan at checkout. From there, you'll usually pay the first installment and the next one will come out about two weeks later. Otherwise, the product or service will arrive on time, just like it would if you paid in full at checkout.

You can also shop through each company's app. Affirm, AfterPay, PayPal and Klarna all have apps in the App Store and Google Play that let you shop, monitor your orders and make payments. 

While they aren't like traditional loans, they're different from other types of alternative payment methods. For instance:

• They aren't credit cards. A credit card is a revolving credit line that you get approved for. You use your card to pay for your purchase in full and then at the end of the billing period you'll pay off your bill or make payments until you pay it off in full. Typically, if you don't pay your balance off at the end of the billing period, interest will accrue, which can be 20% or more. CNET always recommends paying off your credit in full. 
• They aren't the same as layaway. Layaway is when you agree to pay off an item over the course of a few months and once you've paid it off, you can take it home. Layaway usually requires an upfront deposit and a service fee, and you don't get your goods until you've paid for them in full. Some installment plan companies require an upfront deposit, but you don't have to wait to get your item; you get it right away.

How does an installment service affect my credit score?

When you apply for a loan or a credit card, that hard credit check looks at your credit history to see if you're responsible enough with credit to lend to. With BNPL apps, there's no hard credit inquiry. If the app checks your credit, it'll be a soft credit check, which won't hurt your credit score. The services don't specify the credit score you need to shop with them.

If you aren't diligent with payments, your credit score might be affected. For most micro installment loans, you're required to make payments about every two weeks and in four total installments. So if you don't pay your bill on time, that triggers a late payment for some companies. The three major credit bureaus will get notified and you could see your credit score take a dip. Late payments are one of the biggest factors in determining your credit score, and a drop in that could hurt your chances of borrowing money in the future.

Penalties and fees vary by company. Affirm and PayPal do not charge late fees. AfterPay does, though these fees will not exceed 25% of the purchase amount. Klarna doesn't charge a late fee but if you don't make a payment when it's due, you can be blocked from using the site and app in the future. None of these services charge prepayment fees, so you won't get penalized for repaying your balance sooner.

Should I use BNPL services?

It depends on what kind of shopper you are and your mentality about money. Here are some pros and cons to consider:

Pros

• You can buy items and services, even if you can't afford them right away:If you have things you need or want to buy, you're not obligated to pay full price at checkout. Micro installment loans let you pay out your purchase over a few weeks.
• You don't need great credit to get approved:Most services do a soft credit check, which won't hurt your credit score . If you don't have great credit or a long credit history, this is a good alternative payment option.
• It's simpler than a loan or credit card:If you've had trouble with credit cards or don't like using them, this is an easier method than applying for a credit card or personal loan. You can apply at checkout, whereas if you want a credit card or loan, you'll need to wait a few days before you can use those funds.

Cons

• You might believe you're spending less:If you cringe at a $1,000 couch, seeing payments broken up into $250 every other week, for example, tricks you into believing you're paying less for an item. In reality, you're still paying the same amount and you're borrowing money to do it.
• You may be charged interest or other fees: Depending on the service you choose and the repayment plan you select, you could be charged interest. Affirm, for instance, offers interest rates between 0% and 30%. While this interest does not compound like a credit card, spreading payments for that $1,000 couch over 12 months at a 30% interest rate could end up costing you $169.76 in interest alone. 
• You might not get approved for the full amount: Your credit score may not preclude you from getting approved for a BNPL loan, but it's still a factor when determining your loan amount and interest rate (if applicable). That means, there's a chance you might not get approved for the full amount you're requesting. 
• It's still a loan:Remember you're still taking out a loan, even if you pay it off sooner than you would a traditional loan. Not paying on time could result in interest fees, late payment fees or not being able to use the service in the future.
  

While the convenience of delayed payment sounds appealing as a way to get something now, you're still on the hook for paying your bill in full. If you need something now but can't afford it, micro installment loans might be a good idea. But if you don't think you'll be able to afford payments, you may want to consider another payment method or waiting until you have cash on hand to make your purchase.

Correction, April 30: Affirm has 8.7 million users, more than we previously quoted. It also has repayment options ranging from three to 12 months, a shorter period than previously listed. Clarified that AfterPay does not charge late fees as long as you make four payments.

---

Source

Who can get monkeypox vaccine can i get a monkeypox vaccine the one who needs you here s who i am camp here s how here s hopin instrumental here sdk here string powershell

Here's Who Needs a Monkeypox Vaccine, and What We Know About It

Here's Who Needs a Monkeypox Vaccine, and What We Know About It

What's happening

The monkeypox vaccine is available to people at higher risk of getting the disease, but supply has been limited. To stretch out more doses, the US is starting to administer the vaccine in a slightly different way that requires a smaller dose.

Why it matters

Vaccination is an important tool to slow the monkeypox outbreak happening in the US and other countries. Access to vaccines is crucial for people most at risk.

What it means for you

Some men who have sex with men are eligible for the vaccine, as are other people who may've been exposed to monkeypox.

The vaccine Jynneos is being given out a little differently now in some places. If you're eligible for a monkeypox vaccine, you might be getting a shot under a top layer of skin, instead of deeper into your arm. That's because the US Food and Drug Administration authorized intradermal injection for the monkeypox vaccine this month, which is an effort to increase the US supply of vaccine up to five times since intradermal injection requires a much smaller dose than one given subcutaneously.

Also called "dose-sparing," intradermal types of injections aren't new to health care. But the change in medical guidance on how the monkeypox vaccine can be administered reflects a shortage of Jynneos that's plagued the vaccine rollout since it began. Health officials have touted a national stockpile of vaccines that work against monkeypox as well as smallpox, but getting them out to states and into the arms of people who need them has been a challenge. 

According to a report from The New York Times, a hurdle in the monkeypox vaccine rollout (besides limited supply of Jynneos) is that the federal system being used to move vaccines to states and cities is different from the system local health officials are used to, which is run by the US Centers for Disease Control and Prevention and is already linked to state databases. The current system states are using for the monkeypox vaccine is made for mass vaccine rollouts where every person would need a vaccine (like a smallpox bioterrorism event), and it's been difficult in some states for local health officials to track their orders or get to the site where the doses have been delivered, the Times reports.

But federal health officials are confident in the new intradermal vaccination method, which they say gives an immune response similar to that of the traditional method. But it still requires two doses, about 28 days apart. One-dose priority policies for the vaccine, which could potentially delay a second dose, have been put in place in cities like San Francisco and New York City, which make up a large portion of the country's monkeypox cases. 

Here's what we know about monkeypox vaccination.

Read more:  Monkeypox: What to Know About Variants, Symptoms and More

Who can get a monkeypox vaccine? 

Exact criteria for who should get a monkeypox vaccine depend on the city or state people live in and how widespread the outbreak is there, but men who have sex with men and who have had multiple or anonymous sexual partners in the last two weeks are eligible in cities like New York. That's because gay and bisexual men are currently at higher risk in the outbreak, though anyone with close contact to monkeypox can get the disease. You may also be eligible if you were recently exposed to someone with monkeypox.  

According to the CDC, you meet the criteria for a monkeypox vaccine if: 

• You're a contact of someone who has monkeypox or you were identified as possibly exposed via contact tracing. 
  
• You had a sexual partner within the last two weeks who has monkeypox.
• You've had multiple sexual partners in the last two weeks in an area with a high number of monkeypox cases.
• You are a lab or health care worker who's around orthopox viruses, including in animals. 

If you think you qualify for a vaccine or were exposed to monkeypox, contact your local health department or doctor's office to find an appointment in your area. You can also book an appointment for the vaccine online, a process that'll walk you through the eligibility criteria. Here is New York City's vaccine appointment website. You can make an appointment and find a vaccine in San Francisco by calling one of the city's clinics or visiting its drop-in location. 

Colematt/Getty Images

What is intradermal vaccination? 

Intradermal vaccination is a method that injects the vaccine under a more shallow layer of skin, typically on the inner side of the forearm. This should produce a "noticeable pale elevation of the skin," according to the US Centers for Disease Control and Prevention. Counties including Los Angeles county and Fulton county in Georgia (where Atlanta is) have already transitioned to intradermal injections, according to the White House.

Most vaccines we get these days go either into the muscle in our arm (intramuscular injection) or into the fatty tissue under our skin (subcutaneous injection), like Jynneos has been given so far. Subcutaneous injection of Jynneos is the only authorized method of vaccination for people younger than 18. If you get the monkeypox vaccine intradermally, you'll still need two doses.

When the FDA authorized the new vaccine method, the agency referenced a study published in 2015 that found that a smallpox vaccine given intradermally gave a similar immune response in people compared to the vaccine given subcutaneously. 

What are the monkeypox vaccines? 

The US has two vaccines in its national stockpile that work against monkeypox. Jynneos is currently being given out to people before an exposure, as well as after an exposure, as it's a newer vaccine that's safe for most people. 

Jynneos (made by Bavarian Nordic) is a new-generation vaccine approved by the US Food and Drug Administration in 2019 for monkeypox and smallpox. It's a two-dose vaccine, with each shot given about four weeks apart. It uses a weakened virus and is approved for adults 18 and older who are at high risk of getting monkeypox or smallpox.

Because of limited supply, it's likely you'll only be able to book an appointment for the first dose for the time being. In New York City, for example, health officials say you'll be contacted if you received a first dose about the second dose in the coming weeks. 

Side effects of Jynneos may include typical temporary vaccine side effects, including headache, chills and fatigue. There can also be some pain and swelling around the injection site, which can result in what some are reporting as a temporary swollen lump around the injection site. 

ACAM2000 is a second-generation smallpox vaccine that also works against monkeypox. According to the CDC, ACAM2000 is a derivative of Dryvax, which helped eradicate smallpox. (The two diseases are closely related and both caused by orthopoxviruses, which makes this possible.) If necessary, the US Department of Health and Human Services said it's also prepared to ship out the ACAM2000 vaccine, which is in greater supply than Jynneos but remains a second choice in the monkeypox response because it has a side effect profile that isn't safe for certain people.

ACAM2000 is administered differently than the typical vaccine shot we're used to, including intradermal injection. It's given by dipping a needle into a vaccine solution which will then be "pricked" several times on the upper arm. It will cause a localized infection (a "pox"), prompting an immune response. 

While ACAM2000 doesn't cause smallpox, it contains live vaccina virus, which isn't suitable for everyone. It could be unsafe for immunocompromised people, pregnant folks and those with certain heart or skin diseases, like eczema.

Smallpox was declared eliminated from the world in 1980. The US stopped routine vaccination against it in 1972, though some health care workers or people who work in labs may have had the vaccine. Historically, according to the CDC, smallpox vaccines were 95% effective against infection and protect you for about three to five years, and after that protection starts to wane. 

Because of this, it's possible people born before the early 1970s who got the smallpox vaccine might have some cross-protective immunity against monkeypox, according to the WHO, but there is "little immunity" to younger people living in non-endemic countries because they've had no exposure to a similar virus.

Read more: Monkeypox: What Gay and Bisexual Men Need to Know

A smallpox vaccine scar. People born before the mid-1970s might have such a scar. Jynneos, a newer-generation monkeypox and smallpox vaccine, is not the same type of vaccine as the one used to eradicate smallpox and doesn't leave a scar. 

Picture Alliance/Getty Images

How effective are the vaccines against monkeypox? How long do they take to work? 

Giving Jynneos within four days of a monkeypox exposure is the best option for stopping the onset of the disease, according to the CDC. If it's given four to 14 days after an exposure, the CDC says, Jynneos may not prevent monkeypox but will likely reduce the severity of symptoms. However, this information was published when Jynneos was given only the "standard" way (subcutaneous injection). 

The CDC says that the Jynneos vaccine takes two weeks (14 days) after the second dose for immunity to build, and that ACAM2000 takes four weeks for maximum immunity. Though many people are receiving only the first dose of Jynneos at this time, early research suggests that one dose will still offer some protection, at least for a shorter period of time. 

Because the US outbreak of monkeypox is so new, there's no data yet on exactly how effective the vaccines will be in the current situation, according to the CDC. 

You should still self-isolate if you develop symptoms of monkeypox after getting vaccinated, such as a rash. 

A computer image of a monkeypox virus.

Uma Shankar Sharma/Getty Images

Why does the US have a stockpile of monkeypox vaccines? 

The US has a stockpile of Jynneos and ACAM2000 on hand not because the country was worried about an outbreak of monkeypox (which has been endemic in some African countries for years), but in case smallpox becomes a public threat again. Smallpox was declared eliminated in the 1980s, and the last natural outbreak in the US happened in 1949. But smallpox is usually much more severe than monkeypox, and officials worry it could be used as biological warfare. 

"The stockpile was created in the event of a biological weapons attack on the United States with smallpox," Dr. Amesh Adalja, an infectious-disease expert and senior scholar at the Johns Hopkins Center for Health Security said. In this event, health officials would not be rationing vaccines or using only the newer-generation vaccine, according to Adalja. 

"If there was a smallpox attack, we would be using whatever vaccines we have to be able to deal with it," he added. 

Why is there a monkeypox vaccine supply issue? 

The supply of Jynneos, the newer vaccine specifically approved to prevent monkeypox, has been in particularly short supply.

Officials who spoke to The New York Times said the supply issue is partly because the government waited too long to ask Bavarian Nordic, which makes Jynneos, to bottle and fill the vaccine order the US had already purchased. 

Another report by the Times alleges that the US national stockpile of monkeypox and smallpox vaccines dwindled because the government never replaced the expired doses and instead put money into technology that would extend their shelf life. Part of the reason for this was that the government created the stockpile not for monkeypox but for smallpox, which is a more contagious and often more serious disease officials fear could be used in biological warfare against the US. 

The US Department of Health and Human Services didn't respond to a request for comment on the reports.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

Here's Who Needs a Monkeypox Vaccine, and What We Know About It

Here's Who Needs a Monkeypox Vaccine, and What We Know About It

What's happening

The monkeypox vaccine is available to people at higher risk of getting the disease, but supply has been limited. To stretch out more doses, the US is starting to administer the vaccine in a slightly different way that requires a smaller dose.

Why it matters

Vaccination is an important tool to slow the monkeypox outbreak happening in the US and other countries. Access to vaccines is crucial for people most at risk.

What it means for you

Some men who have sex with men are eligible for the vaccine, as are other people who may've been exposed to monkeypox.

The vaccine Jynneos is being given out a little differently now in some places. If you're eligible for a monkeypox vaccine, you might be getting a shot under a top layer of skin, instead of deeper into your arm. That's because the US Food and Drug Administration authorized intradermal injection for the monkeypox vaccine this month, which is an effort to increase the US supply of vaccine up to five times since intradermal injection requires a much smaller dose than one given subcutaneously.

Also called "dose-sparing," intradermal types of injections aren't new to health care. But the change in medical guidance on how the monkeypox vaccine can be administered reflects a shortage of Jynneos that's plagued the vaccine rollout since it began. Health officials have touted a national stockpile of vaccines that work against monkeypox as well as smallpox, but getting them out to states and into the arms of people who need them has been a challenge. 

According to a report from The New York Times, a hurdle in the monkeypox vaccine rollout (besides limited supply of Jynneos) is that the federal system being used to move vaccines to states and cities is different from the system local health officials are used to, which is run by the US Centers for Disease Control and Prevention and is already linked to state databases. The current system states are using for the monkeypox vaccine is made for mass vaccine rollouts where every person would need a vaccine (like a smallpox bioterrorism event), and it's been difficult in some states for local health officials to track their orders or get to the site where the doses have been delivered, the Times reports.

But federal health officials are confident in the new intradermal vaccination method, which they say gives an immune response similar to that of the traditional method. But it still requires two doses, about 28 days apart. One-dose priority policies for the vaccine, which could potentially delay a second dose, have been put in place in cities like San Francisco and New York City, which make up a large portion of the country's monkeypox cases. 

Here's what we know about monkeypox vaccination.

Read more:  Monkeypox: What to Know About Variants, Symptoms and More

Who can get a monkeypox vaccine? 

Exact criteria for who should get a monkeypox vaccine depend on the city or state people live in and how widespread the outbreak is there, but men who have sex with men and who have had multiple or anonymous sexual partners in the last two weeks are eligible in cities like New York. That's because gay and bisexual men are currently at higher risk in the outbreak, though anyone with close contact to monkeypox can get the disease. You may also be eligible if you were recently exposed to someone with monkeypox.  

According to the CDC, you meet the criteria for a monkeypox vaccine if: 

• You're a contact of someone who has monkeypox or you were identified as possibly exposed via contact tracing. 
  
• You had a sexual partner within the last two weeks who has monkeypox.
• You've had multiple sexual partners in the last two weeks in an area with a high number of monkeypox cases.
• You are a lab or health care worker who's around orthopox viruses, including in animals. 

If you think you qualify for a vaccine or were exposed to monkeypox, contact your local health department or doctor's office to find an appointment in your area. You can also book an appointment for the vaccine online, a process that'll walk you through the eligibility criteria. Here is New York City's vaccine appointment website. You can make an appointment and find a vaccine in San Francisco by calling one of the city's clinics or visiting its drop-in location. 

Colematt/Getty Images

What is intradermal vaccination? 

Intradermal vaccination is a method that injects the vaccine under a more shallow layer of skin, typically on the inner side of the forearm. This should produce a "noticeable pale elevation of the skin," according to the US Centers for Disease Control and Prevention. Counties including Los Angeles county and Fulton county in Georgia (where Atlanta is) have already transitioned to intradermal injections, according to the White House.

Most vaccines we get these days go either into the muscle in our arm (intramuscular injection) or into the fatty tissue under our skin (subcutaneous injection), like Jynneos has been given so far. Subcutaneous injection of Jynneos is the only authorized method of vaccination for people younger than 18. If you get the monkeypox vaccine intradermally, you'll still need two doses.

When the FDA authorized the new vaccine method, the agency referenced a study published in 2015 that found that a smallpox vaccine given intradermally gave a similar immune response in people compared to the vaccine given subcutaneously. 

What are the monkeypox vaccines? 

The US has two vaccines in its national stockpile that work against monkeypox. Jynneos is currently being given out to people before an exposure, as well as after an exposure, as it's a newer vaccine that's safe for most people. 

Jynneos (made by Bavarian Nordic) is a new-generation vaccine approved by the US Food and Drug Administration in 2019 for monkeypox and smallpox. It's a two-dose vaccine, with each shot given about four weeks apart. It uses a weakened virus and is approved for adults 18 and older who are at high risk of getting monkeypox or smallpox.

Because of limited supply, it's likely you'll only be able to book an appointment for the first dose for the time being. In New York City, for example, health officials say you'll be contacted if you received a first dose about the second dose in the coming weeks. 

Side effects of Jynneos may include typical temporary vaccine side effects, including headache, chills and fatigue. There can also be some pain and swelling around the injection site, which can result in what some are reporting as a temporary swollen lump around the injection site. 

ACAM2000 is a second-generation smallpox vaccine that also works against monkeypox. According to the CDC, ACAM2000 is a derivative of Dryvax, which helped eradicate smallpox. (The two diseases are closely related and both caused by orthopoxviruses, which makes this possible.) If necessary, the US Department of Health and Human Services said it's also prepared to ship out the ACAM2000 vaccine, which is in greater supply than Jynneos but remains a second choice in the monkeypox response because it has a side effect profile that isn't safe for certain people.

ACAM2000 is administered differently than the typical vaccine shot we're used to, including intradermal injection. It's given by dipping a needle into a vaccine solution which will then be "pricked" several times on the upper arm. It will cause a localized infection (a "pox"), prompting an immune response. 

While ACAM2000 doesn't cause smallpox, it contains live vaccina virus, which isn't suitable for everyone. It could be unsafe for immunocompromised people, pregnant folks and those with certain heart or skin diseases, like eczema.

Smallpox was declared eliminated from the world in 1980. The US stopped routine vaccination against it in 1972, though some health care workers or people who work in labs may have had the vaccine. Historically, according to the CDC, smallpox vaccines were 95% effective against infection and protect you for about three to five years, and after that protection starts to wane. 

Because of this, it's possible people born before the early 1970s who got the smallpox vaccine might have some cross-protective immunity against monkeypox, according to the WHO, but there is "little immunity" to younger people living in non-endemic countries because they've had no exposure to a similar virus.

Read more: Monkeypox: What Gay and Bisexual Men Need to Know

A smallpox vaccine scar. People born before the mid-1970s might have such a scar. Jynneos, a newer-generation monkeypox and smallpox vaccine, is not the same type of vaccine as the one used to eradicate smallpox and doesn't leave a scar. 

Picture Alliance/Getty Images

How effective are the vaccines against monkeypox? How long do they take to work? 

Giving Jynneos within four days of a monkeypox exposure is the best option for stopping the onset of the disease, according to the CDC. If it's given four to 14 days after an exposure, the CDC says, Jynneos may not prevent monkeypox but will likely reduce the severity of symptoms. However, this information was published when Jynneos was given only the "standard" way (subcutaneous injection). 

The CDC says that the Jynneos vaccine takes two weeks (14 days) after the second dose for immunity to build, and that ACAM2000 takes four weeks for maximum immunity. Though many people are receiving only the first dose of Jynneos at this time, early research suggests that one dose will still offer some protection, at least for a shorter period of time. 

Because the US outbreak of monkeypox is so new, there's no data yet on exactly how effective the vaccines will be in the current situation, according to the CDC. 

You should still self-isolate if you develop symptoms of monkeypox after getting vaccinated, such as a rash. 

A computer image of a monkeypox virus.

Uma Shankar Sharma/Getty Images

Why does the US have a stockpile of monkeypox vaccines? 

The US has a stockpile of Jynneos and ACAM2000 on hand not because the country was worried about an outbreak of monkeypox (which has been endemic in some African countries for years), but in case smallpox becomes a public threat again. Smallpox was declared eliminated in the 1980s, and the last natural outbreak in the US happened in 1949. But smallpox is usually much more severe than monkeypox, and officials worry it could be used as biological warfare. 

"The stockpile was created in the event of a biological weapons attack on the United States with smallpox," Dr. Amesh Adalja, an infectious-disease expert and senior scholar at the Johns Hopkins Center for Health Security said. In this event, health officials would not be rationing vaccines or using only the newer-generation vaccine, according to Adalja. 

"If there was a smallpox attack, we would be using whatever vaccines we have to be able to deal with it," he added. 

Why is there a monkeypox vaccine supply issue? 

The supply of Jynneos, the newer vaccine specifically approved to prevent monkeypox, has been in particularly short supply.

Officials who spoke to The New York Times said the supply issue is partly because the government waited too long to ask Bavarian Nordic, which makes Jynneos, to bottle and fill the vaccine order the US had already purchased. 

Another report by the Times alleges that the US national stockpile of monkeypox and smallpox vaccines dwindled because the government never replaced the expired doses and instead put money into technology that would extend their shelf life. Part of the reason for this was that the government created the stockpile not for monkeypox but for smallpox, which is a more contagious and often more serious disease officials fear could be used in biological warfare against the US. 

The US Department of Health and Human Services didn't respond to a request for comment on the reports.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

Tags:

• Here S Who Needs A Monkeypox Vaccine And Drugs
• Here S Who Needs A 1099
• Here S Who Needs A Trust
• Here S Who Needs To File
• Here S Who Needs A Fourth
• Here S Where I Stand Here S Who I Am
• Here S A Brief Summary In Internet Speak