Category: People

The expansion of the Universe

I am reproducing a recent article published by The Conversation.

It is a reflection of the latest research undertaken by NASA, it is beyond fascinating!

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The universe is expanding faster than theory predicts – physicists are searching for new ideas that might explain the mismatch

The James Webb Space Telescope’s deep field image shows a universe full of sparkling galaxies. NASA/STScI

Ryan Keeley, University of California, Merced

Astronomers have known for decades that the universe is expanding. When they use telescopes to observe faraway galaxies, they see that these galaxies are moving away from Earth.

To astronomers, the wavelength of light a galaxy emits is longer the faster the galaxy is moving away from us. The farther away the galaxy is, the more its light has shifted toward the longer wavelengths on the red side of the spectrum – so the higher the “redshift.”

Because the speed of light is finite, fast, but not infinitely fast, seeing something far away means we’re looking at the thing how it looked in the past. With distant, high-redshift galaxies, we’re seeing the galaxy when the universe was in a younger state. So “high redshift” corresponds to the early times in the universe, and “low redshift” corresponds to the late times in the universe.

But as astronomers have studied these distances, they’ve learned that the universe is not just expanding – its rate of expansion is accelerating. And that expansion rate is even faster than the leading theory predicts it should be, leaving cosmologists like me puzzled and looking for new explanations.

Dark energy and a cosmological constant

Scientists call the source of this acceleration dark energy. We’re not quite sure what drives dark energy or how it works, but we think its behavior could be explained by a cosmological constant, which is a property of spacetime that contributes to the expansion of the universe.

Albert Einstein originally came up with this constant – he marked it with a lambda in his theory of general relativity. With a cosmological constant, as the universe expands, the energy density of the cosmological constant stays the same.

Imagine a box full of particles. If the volume of the box increases, the density of particles would decrease as they spread out to take up all the space in the box. Now imagine the same box, but as the volume increases, the density of the particles stays the same.

It doesn’t seem intuitive, right? That the energy density of the cosmological constant does not decrease as the universe expands is, of course, very weird, but this property helps explain the accelerating universe.

A standard model of cosmology

Right now, the leading theory, or standard model, of cosmology is called “Lambda CDM.” Lambda denotes the cosmological constant describing dark energy, and CDM stands for cold dark matter. This model describes both the acceleration of the universe in its late stages as well as the expansion rate in its early days.

Specifically, the Lambda CDM explains observations of the cosmic microwave background, which is the afterglow of microwave radiation from when the universe was in a “hot, dense state” about 300,000 years after the Big Bang. Observations using the Planck satellite, which measures the cosmic microwave background, led scientists to create the Lambda CDM model.

Fitting the Lambda CDM model to the cosmic microwave background allows physicists to predict the value of the Hubble constant, which isn’t actually a constant but a measurement describing the universe’s current expansion rate.

But the Lambda CDM model isn’t perfect. The expansion rate scientists have calculated by measuring distances to galaxies, and the expansion rate as described in Lambda CDM using observations of the cosmic microwave background, don’t line up. Astrophysicists call that disagreement the Hubble tension.

An illustration showing the progression of the Universe's expansion after the Big Bang. The Universe is depicted as a cylindrical funnel with labels along the bottom showing the first stars, the development of planets, and now the dark energy acceleration
The universe is expanding faster than predicted by popular models in cosmology. NASA

The Hubble tension

Over the past few years, I’ve been researching ways to explain this Hubble tension. The tension may be indicating that the Lambda CDM model is incomplete and physicists should modify their model, or it could indicate that it’s time for researchers to come up with new ideas about how the universe works. And new ideas are always the most exciting things for a physicist.

One way to explain the Hubble tension is to modify the Lambda CDM model by changing the expansion rate at low redshift, at late times in the universe. Modifying the model like this can help physicists predict what sort of physical phenomena might be causing the Hubble tension.

For instance, maybe dark energy is not a cosmological constant but instead the result of gravity working in new ways. If this is the case, dark energy would evolve as the universe expands – and the cosmic microwave background, which shows what the universe looked like only a few years after its creation, would have a different prediction for the Hubble constant.

But, my team’s latest research has found that physicists can’t explain the Hubble tension just by changing the expansion rate in the late universe – this whole class of solutions falls short.

Developing new models

To study what types of solutions could explain the Hubble tension, we developed statistical tools that enabled us to test the viability of the entire class of models that change the expansion rate in the late universe. These statistical tools are very flexible, and we used them to match or mimic different models that could potentially fit observations of the universe’s expansion rate and might offer a solution to the Hubble tension.

The models we tested include evolving dark energy models, where dark energy acts differently at different times in the universe. We also tested interacting dark energy-dark matter models, where dark energy interacts with dark matter, and modified gravity models, where gravity acts differently at different times in the universe.

But none of these could fully explain the Hubble tension. These results suggest that physicists should study the early universe to understand the source of the tension.

Ryan Keeley, Postdoctoral Scholar in Physics, University of California, Merced

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Ryan Keeley explains it above. Hopefully most of you who read this understand the physics involved. Ryan has a website here.

As I said at the start it is beyond fascinating! In the truest sense, out of this world!

The history of Oxygen!

A fascinating subject.

We take it for granted! Of that I am sure. But the question of how oxygen first came to be built up in our atmosphere is fascinating. There was a recent article written by Elizabeth Swanner, who is Associate Professor of Geology, Iowa State University that was published in The Conversation. It makes for a very interesting read.

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A layered lake is a little like Earth’s early oceans − and lets researchers explore how oxygen built up in our atmosphere billions of years ago

Researchers sample water from various layers to analyze back in the lab. Elizabeth Swanner, CC BY-ND

Elizabeth Swanner, Iowa State University

Little Deming Lake doesn’t get much notice from visitors to Itasca State Park in Minnesota. There’s better boating on nearby Lake Itasca, the headwaters of the Mississippi River. My colleagues and I need to maneuver hundreds of pounds of equipment down a hidden path made narrow by late-summer poison ivy to launch our rowboats.

But modest Deming Lake offers more than meets the eye for me, a geochemist interested in how oxygen built up in the atmosphere 2.4 billion years ago. The absence of oxygen in the deep layers of Deming Lake is something this small body of water has in common with early Earth’s oceans.

On each of our several expeditions here each year, we row our boats out into the deepest part of the lake – over 60 feet (18 meters), despite the lake’s surface area being only 13 acres. We drop an anchor and connect our boats in a flotilla, readying ourselves for the work ahead.

Smooth lake with boats in the distance against woodsy shoreline
Researchers’ boats on Deming Lake. Elizabeth Swanner, CC BY-ND

Deming Lake is meromictic, a term from Greek that means only partially mixing. In most lakes, at least once a year, the water at the top sinks while the water at the bottom rises because of wind and seasonal temperature changes that affect water’s density. But the deepest waters of Deming Lake never reach the surface. This prevents oxygen in its top layer of water from ever mixing into its deep layer.

Less than 1% of lakes are meromictic, and most that are have dense, salty bottom waters. Deming Lake’s deep waters are not very salty, but of the salts in its bottom waters, iron is one of the most abundant. This makes Deming Lake one of the rarest types of meromictic lakes.

man seated in small boat wearing gloves injecting water into a collection tube
Postdoc researcher Sajjad Akam collects a water sample for chemical analysis back in the lab. Elizabeth Swanner, CC BY-ND

The lake surface is calm, and the still air is glorious on this cool, cloudless August morning. We lower a 2-foot-long water pump zip-tied to a cable attached to four sensors. The sensors measure the temperature, amount of oxygen, pH and amount of chlorophyll in the water at each layer we encounter. We pump water from the most intriguing layers up to the boat and fill a myriad of bottles and tubes, each destined for a different chemical or biological analysis.

My colleagues and I have homed in on Deming Lake to explore questions about how microbial life adapted to and changed the environmental conditions on early Earth. Our planet was inhabited only by microbes for most of its history. The atmosphere and the oceans’ depths didn’t have much oxygen, but they did have a lot of iron, just like Deming Lake does. By investigating what Deming Lake’s microbes are doing, we can better understand how billions of years ago they helped to transform the Earth’s atmosphere and oceans into what they’re like now.

Layer by layer, into the lake

Two and a half billion years ago, ocean waters had enough iron to form today’s globally distributed rusty iron deposits called banded iron formations that supply iron for the modern global steel industry. Nowadays, oceans have only trace amounts of iron but abundant oxygen. In most waters, iron and oxygen are antithetical. Rapid chemical and biological reactions between iron and oxygen mean you can’t have much of one while the other is present.

The rise of oxygen in the early atmosphere and ocean was due to cyanobacteria. These single-celled organisms emerged at least 2.5 billion years ago. But it took roughly 2 billion years for the oxygen they produce via photosynthesis to build up to levels that allowed for the first animals to appear on Earth.

water concentrated on a filter looks pale green
Chlorophyll colors water from the lake slightly green. Elizabeth Swanner, CC BY-ND

At Deming Lake, my colleagues and I pay special attention to the water layer where the chlorophyll readings jump. Chlorophyll is the pigment that makes plants green. It harnesses sunlight energy to turn water and carbon dioxide into oxygen and sugars. Nearly 20 feet (6 meters) below Deming’s surface, the chlorophyll is in cyanobacteria and photosynthetic algae, not plants.

But the curious thing about this layer is that we don’t detect oxygen, despite the abundance of these oxygen-producing organisms. This is the depth where iron concentrations start to climb to the high levels present at the lake’s bottom.

This high-chlorophyll, high-iron and low-oxygen layer is of special interest to us because it might help us understand where cyanobacteria lived in the ancient ocean, how well they were growing and how much oxygen they produced.

We suspect the reason cyanobacteria gather at this depth in Deming Lake is that there is more iron there than at the top of the lake. Just like humans need iron for red blood cells, cyanobacteria need lots of iron to help catalyze the reactions of photosynthesis.

A likely reason we can’t measure any oxygen in this layer is that in addition to cyanobacteria, there are a lot of other bacteria here. After a good long life of a few days, the cyanobacteria die, and the other bacteria feed on their remains. These bacteria rapidly use up any oxygen produced by still photosynthesizing cyanobacteria the way a fire does as it burns through wood.

We know there are lots of bacteria here based on how cloudy the water is, and we see them when we inspect a drop of this water under a microscope. But we need another way to measure photosynthesis besides measuring oxygen levels.

Long-running lakeside laboratory

The other important function of photosynthesis is converting carbon dioxide into sugars, which eventually are used to make more cells. We need a way to track whether new sugars are being made, and if they are, whether it’s by photosynthetic cyanobacteria. So we fill glass bottles with samples of water from this lake layer and seal them tight with rubber stoppers.

We drive the 3 miles back to the Itasca Biological Station and Laboratories where we will set up our experiments. The station opened in 1909 and is home base for us this week, providing comfy cabins, warm meals and this laboratory space.

In the lab, we inject our glass bottle with carbon dioxide that carries an isotopic tracer. If cyanobacteria grow, their cells will incorporate this isotopic marker.

We had a little help to formulate our questions and experiments. University of Minnesota students attending summer field courses collected decades worth of data in Itasca State Park. A diligent university librarian digitized thousands of those students’ final papers.

My students and I pored over the papers concerning Deming Lake, many of which tried to determine whether the cyanobacteria in the chlorophyll-rich layer are doing photosynthesis. While most indicated yes, those students were measuring only oxygen and got ambiguous results. Our use of the isotopic tracer is trickier to implement but will give clearer results.

woman holds a clear plastic bag aloft, she and man are seated in boat
Graduate students Michelle Chamberlain and Zackry Stevenson about to sink the bottles for incubation in Deming Lake. Elizabeth Swanner, CC BY-ND

That afternoon, we’re back on the lake. We toss an anchor; attached to its rope is a clear plastic bag holding the sealed bottles of lake water now amended with the isotopic tracer. They’ll spend the night in the chlorophyll-rich layer, and we’ll retrieve them after 24 hours. Any longer than that and the isotopic label might end up in the bacteria that eat the dying cyanobacteria instead of the cyanobacteria themselves. We tie off the rope to a floating buoy and head back to the station’s dining hall for our evening meal.

Iron, chlorophyll, oxygen

The next morning, as we wait for the bottles to finish their incubation, we collect water from the different layers of the lake and add some chemicals that kill the cells but preserve their bodies. We’ll look at these samples under the microscope to figure out how many cyanobacteria are in the water, and we’ll measure how much iron is inside the cyanobacteria.

That’s easier said than done, because we have to first separate all the “needles” (cyanobacteria) from the “hay” (other cells) and then clean any iron off the outside of the cyanobacteria. Back at Iowa State University, we’ll shoot the individual cells one by one into a flame that incinerates them, which liberates all the iron they contain so we can measure it.

rowboat with one woman in it on a lake with woodsy shoreline
Biogeochemist Katy Sparrow rows a research vessel to shore. Elizabeth Swanner, CC BY-ND

Our scientific hunch, or hypothesis, is that the cyanobacteria that live in the chlorophyll- and iron-rich layer will contain more iron than cyanobacteria that live in the top lake layer. If they do, it will help us establish that greater access to iron is a motive for living in that deeper and dimmer layer.

These experiments won’t tell the whole story of why it took so long for Earth to build up oxygen, but they will help us to understand a piece of it – where oxygen might have been produced and why, and what happened to oxygen in that environment.

Deming Lake is quickly becoming its own attraction for those with a curiosity about what goes on beneath its tranquil surface – and what that might be able to tell us about how new forms of life took hold long ago on Earth.

Elizabeth Swanner, Associate Professor of Geology, Iowa State University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Nothing I can add to this very erudite article. Please read it and be fascinated by the findings.

More on The Beatles

I know this is not my normal post for a Thursday.

But I wanted to include an hour-long video of The Beatles. So I decided to do it today!

Just settle down and watch/listen to this fabulous music.

Nostalgia

The final song from The Beatles!

I cannot easily put my words together about this iconic British rock band formed in 1960; I was 16 then.

‘Now and Then’
The final song from the iconic English rock band The Beatles was released yesterday, a track that relies on AI-enhanced vocals from former co-frontman John Lennon. Listen to the song, titled “Now and Then,” here.  Regarded as one of the most influential bands of all time, The Beatles are the bestselling artists in music history, having shipped more than 180 million albums. Lennon, Paul McCartney, George Harrison, and (for most of the time) Ringo Starr, were nominated for 21 Grammys in the span of six years beginning in 1965. The group broke up in 1970, and Lennon was tragically killed by an angry fan in 1980. The new song was originally written by Lennon in 1977 and surfaced in 1994 by McCartney but was shelved due to Lennon’s voice being muffled by a piano. New technology reportedly allowed Lennon’s vocals to be isolated and enhanced to the point of being usable. 

Now for some reason I cannot play that YouTube link but hopefully it will be alright when I publish it.

A repeat of my post ‘Being scammed’.

I thought it very worthwhile to repeat this, plus a real treat at the end of the post!

Scamming in all its forms has only got worse in the last couple of years, since I parted with $9,000 in 2021!

As a direct result of that error, I changed my bank, installed a VPN at home (Proton), changed my email account to ProtonMail, and also changed my calendar (also to Proton).

But I still do not take it as important as it is. I guess because it is not my first thought whenever I come across an unfamiliar email.

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Please read this; and do not make the same mistake as me!

The Story of a Scam

(or how I lost the thick end of $10,000.)

On Friday, 6th August, 2021 at 05:51 in came the following email:

Norton Customer ,

User name:paulhandover

*we like to confim you that the NortonDesk re-newal. has been done on your request*

It is very easy to unsubscribe it,

and related to your any query,  reach us at +1-(860) – (852) – (6259).

Product-Name : NortonDesk

……………………………………………………………………………………………………..

Price : $475.04

……………………………………………………………………………………………………..

Subscription ID : 8837-77942826-947192-8126

……………………………………………………………………………………………………..

Expiration Date : 3 Year from the Date of Purchase

………………………………………………………………………………………………

* If you wish to Cancel this Membership then please feel free to Contact our Billing department as soon as Possible*

……………………………………………………………………………………………………..

*Please do not write to this mail address, that will not help*

Reach us on +1 – (860) – (852) – (6259)

……………………………………………………………………………………………………..

Regards,

Billing department

Contact: +1 – (860) – (852) – (6259)

693 Amwell Rd, Hillsborough, NJ 


My first mistake was not to check the incoming email address. It was mahaliashomakerxhv928@gmail.com

I telephoned the number given and told the person that I wanted to cancel this membership. Indeed that I had never subscribed for this membership in the first place.

I spoke with ‘Adam’. I was then asked to go to a webpage where I filled in a Refund Application Order form. I filled in my details including the refund amount and my bank details: Sort Code & Account Number.

I then submitted the form and imagine my surprise when a few minutes later I was informed that I had received the sum of $10,000. I quickly checked our bank account online and there was the $10,000 credit in our checking account. 

My second mistake was me not examining the total in our accounts. I have the facility to show the total funds in our accounts. Why I didn’t do that I can not explain.

Then it was back on the telephone and Adam also was surprised (later I realised that this was a feigned surprise and all part of the scam) and said could I go to the bank and fill in an International Wire Transfer for the amount of $9,500. Adam also said that he would give me the details of the person in Thailand that was to receive the funds, and could I say this was for a medical operation because it would save ‘Norton’ the taxation.

My third mistake was not to discuss this with Jeannie and to assume that it was just a harmless error.

The details came through and I went to our bank in Grants Pass. I got to the bank a little after 09:00. I saw a staff member of the bank and explained what I needed to do. The bank member queried this and said that it sounded like a scam. I lied and said I knew the woman in Thailand and wanted to go ahead. That was what I had been instructed to say.

My fourth mistake was not listening to the woman at the bank. (And I still thought that the ‘Norton’ funds were in my account.)

The International Wire Transfer was completed and I signed it. I also asked the balances on our two accounts. It was about $10,000 less than I expected and I queried it but was told that there had been a transfer from my savings account to my checking account of $10,000 for Norton. I thought that this was still a little low but that I could check it carefully once I got home. I had a thirty-minute window to change my mind.

Mistake number five, a huge mistake, was while at the bank not to ask them carefully to go through all my transactions that day because that would have revealed that the receipt of $10,000 that I had seen online had mysteriously disappeared. Indeed had never been received. That would have enabled me to stop the wire transfer within the thirty-minute window.

I returned home and found out the truth. I had been scammed out of $9,500.

The strange thing was that ‘Adam’ of the billing department of so-called Norton kept ringing me throughout the day to say that the funds would be sent back to me and gave me the details of three wires and that the funds would be back in my bank account on Monday, 9th August!

Later that morning I rang Kevin Dick who manages our investments and told him the tale. He said that there was a huge amount of scamming about and that I should make three phone calls: to the bank and report the fraud; to the Sheriff’s office and report the fraud; and to my insurance company. The first two were done straight away. Kevin also told me to close my bank accounts and amend my email address. Alex, my son, said to use my Proton mail account and straight away I started to make the change.

A person from the humanists group that we belong to said also to inform The Daily Courier.

Kevin also sent me the following links:

From a recent Podcast I created:

 https://pivot-with-kdi-wealth.simplecast.com/episodes/financial-fraud-and-how-to- keep-from-being-a-victim

A video from our site:

https://www.kdiwealth.com/resource-center/money/data-thieves-from-outer-space

From Finra on Fraud to dos:

https://www.finra.org/investors/insights/investment-fraud-awareness

On Monday morning Ryan of ‘Norton’ called me at 07:15 and said that Adam Prescott was no longer with the firm. Ryan said that their General Manager, Ron Cooper, would call me shortly. Ron did indeed call me and said that they would return the money but that the minimum cheque they could write was $30,000. I was then told that in advance of me receiving the money I would have to pay a small amount to them. At this point I put the phone down for it was clearly a second attempt to steal more funds from me.

Finally we went back to the bank on Monday morning. We were informed that there was never a credit of $10,000 but that a clever switch of the money from one account to another made it look as though the money had been credited. The event had been reported to the bank’s fraud department.

On Tuesday morning, the 10th August, the bank said that as well as our two accounts being locked out from us and that only cheques and cash withdrawals would be honoured for the time being, the fraud department had made the decision to issue us with a ten-day notice to terminate our accounts. In other words, within ten days the bank would no longer want us as customers. Since then I have done much research and found out via the Forbes website that this was more to do with the bank being ultra conservative than anything else. Indeed Kevin said that he had spoken with his IT department and they thought that it was strange that my ex-bank had terminated us so quickly. The IT department thought that the teller at the bank realised that she had been partly culpable.

However the bank did recommend another bank to go to in Grants Pass.

I have since reset my iMac and changed my email address.

It is a most humiliating affair. I have beaten myself up several times over and have at last understood the frame of mind that I had gotten myself into.

To explain that, first of all I thought that I needed to stop the billing urgently and because it was early on a Friday morning thought that the best thing to do was to call immediately.

Secondly, during the call that scammers spoke to me in friendly tones and quietly complimented me on my integrity. I am sure that this ‘spoke’ to my psychological fear of rejection that I have had since I my father died in 1956.

Then in the morning of the 11th August I received a call from a regular contact at the English company who manage my UK SIPP. He wanted to check if I had tried to log on at 09:00 UK time and I replied that there was no way that was me for that UK time was 01:00 Pacific time. There were apparently three attempts to log on. Unsuccessfully as it turned out and my SIPP account is temporarily closed as a result.

The scammers are very thorough in their crooked craft!

Now as of Thursday, the 12th August, we are pretty much out of the grim shadow of this event. We have new accounts at The People’s Bank here in Grants Pass. I have changed my email address and yesterday afternoon I decided that the only safe way of protecting myself was to get another iMac. I was speaking to the sales department of Apple and mentioned the scam and the woman immediately said I should speak with their Technical Support and transferred me. Then I was helped via screen sharing to go through many pages deleting unnecessary files and other stuff. And the helpful woman found another item of malware that was deleted and removed. She spent 54 minutes getting me properly cleaned out and then forwarded an email with all the links for me to do the same process at a later date. It was a superb experience.

So that is it.

Now watch these two YouTube videos. The first is just 5 minutes long and is important to all who use computers and want to be protected against scammers. (NB: This first video is now not included.)

and then watch this slightly longer video from Jim

Be safe! Please!

An addendum dated Saturday, 14th August, at 7am Pacific Time.

Only to say that I also posted my scamming report on Ugly HedgeHog under their General Chit Chat forum. Of the many responses that came in I wanted to post here two of them.

The first from ‘Stanikon’:

Sorry you had to go through this. Your first clue should have been the grammar and phrasing of the original email. That would have given it away. Legitimate companies go to great lengths to make sure their grammar, phrasing and language are correct. I have avoided several scams by paying attention to that so there is some value in being slightly OCD.

and the second from ‘Red6’:

The safest thing to do in these situations is simply not to open the email. I receive on a daily basis, emails telling me that the items I ordered are being shipped, my subscription to something has been renewed etc, etc. 99.9% of these are scams and nothing bad will happen if you just delete them. Older working people often have the fear that there’s a bill out there that has not been paid and they are afraid of getting a bad credit report. So they aggressively try to send someone money for something they cannot even recognize. If it is a true debt, you will be reminded of it several times before any reports are made.

I follow several simple rules in preventing scams. There are many more but this will take care of most of them.

1. Examine the sender’s email address, if you do not recognize it then DO NOT OPEN and DELETE immediately. Most of these scammer’s email addresses will not have the company name in the email address OR it will be combined with other names. Most will not have the .com, .org, etc but will be gmail, Hotmail, or other generic URL. Many of these scammers “broadcast” their emails to everyone on a purchased email list not knowing whether some or valid or not. If you open or reply to these it verifies your email as valid and active and worthy of more attention. Also, if it is an unknown email address, it could be a carrier of a virus or some other bad computer/software infection.

2. If you do get involved with something that does not feel right and you take it to the bank – TRUST THE BANK if they tell you it is suspicious. They see these things every day and develop a feel for them. I received a cashier’s check for something I sold on craigslist. I took it to the bank to deposit and the bank rep immediately recognized the cashier’s check as a fake. She even called the bank the check was supposed to be drawn on and they checked the records and told her that it was counterfeit. You trust your bankers, credit union, etc with your money every day so trust them when they tell you something does not seem right.

3. Scammers know that many older people do NOT like to use credit cards. So a lot of their dealings involve checks, bank transfers, and other forms of older less secure payment methods that older citizens are comfortable with. I NEVER, NEVER send money for something I purchase or order online unless it is through a credit card. In fact, I rarely buy ANYTHING anymore that does not go on the credit card. They are safer, quicker, and easier. If somehow you do get something on your bill that you did not authorize, the credit card company will investigate and go after the person or company that charged you. This is one more safety step that protects the consumer. This does not always apply to debit cards. Debit cards are issued by individual banks or credit unions and some have policies in the fine print that they do NOT have the same policies as the big credit card companies and may not forgive or relieve the user for bad charges made to their debit card.

4. Just do not believe anyone or any company that says they sent you a huge refund or overpayment or some amount of money by mistake. That rarely happens. It is even rarer if they also tell you to return the money to some foreign address, email, or wire transfer. When in doubt, wait for a week or so before you do ANYTHING. If they sent you the check, transfer etc, wait to see if it clears or is valid. We are conditioned by TV and movies that we need to act immediately in situations such as this. This is rarely the case. Take time to see what happens. During this cooling-off period check them out, research the internet to see if others have experienced this scam. It is almost a sure thing that if you are being scammed, others have been also and it has been reported somewhere with law enforcement agencies or on websites on the internet. Check them out before acting. Or better yet, do nothing for a while and most likely they will just go away. Much like the telephone scammers, they make their money on volume, calling as many as possible in the least amount of time. Scammers will not waste time working on you for days, they have thousands of other emails, accounts to call. Remember, they are after the fastest, easiest targets – the low-hanging fruit.

If it is a true mistake or debt you owe then most likely you will receive some official correspondence in regards to the debt. A good example is the IRS and Social Security phone scams in the past couple of years. You get a call from the IRS or Social Security informing you that you may have committed fraud and law enforcement is on their way to arrest you. But if you arrange repayment with their representative, an arrest can be avoided. The IRS and Social Security NEVER take action without first sending several official US Postal letters to you.
If you are still inclined to send money to someone in a foreign country then discuss it with your bank and listen.

Hope this helps.

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All very sound advice and as relevant today as it was when first published.

Finally, for something completely different; have a look at the recent Hunter’s Moon as featured on YouTube.

Keeping healthy in old age.

One has to work at it!

For most of us these days old age is part of the scene (and I am classifying old age as being over 70 years). Here are a few facts from the website of the World Health Organization.

Key facts

  • Worldwide obesity has nearly tripled since 1975.
  • In 2016, more than 1.9 billion adults, 18 years and older, were overweight. Of these over 650 million were obese.
  • 39% of adults aged 18 years and over were overweight in 2016, and 13% were obese.
  • Most of the world’s population live in countries where overweight and obesity kills more people than underweight.
  • 39 million children under the age of 5 were overweight or obese in 2020.
  • Over 340 million children and adolescents aged 5-19 were overweight or obese in 2016.
  • Obesity is preventable.

What are obesity and overweight Overweight and obesity are defined as abnormal or excessive fat accumulation that may impair health.

Body mass index (BMI) is a simple index of weight-for-height that is commonly used to classify overweight and obesity in adults. It is defined as a person’s weight in kilograms divided by the square of his height in meters (kg/m2).

Adults

For adults, WHO defines overweight and obesity as follows:

  • overweight is a BMI greater than or equal to 25; and
  • obesity is a BMI greater than or equal to 30.

BMI provides the most useful population-level measure of overweight and obesity as it is the same for both sexes and for all ages of adults. However, it should be considered a rough guide because it may not correspond to the same degree of fatness in different individuals.

World Health Organisation

This is the link for anyone who wants to use the BMI Calculator.

Now this is not a post about obesity or being overweight. It is a post taken from The Conversation about staying as healthy as one can in one’s older years.

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Steep physical decline with age is not inevitable – here’s how strength training can change the trajectory

Resistance training can take many forms and can be individualized to suit a person’s needs as they age. Jamie Grill/Tetra Images via Getty Images

Zachary Gillen, Mississippi State University

Raise your hand if you regularly find yourself walking up a flight of stairs. What about carrying heavy bags of groceries? How about picking up your child or grandchild? Most of us would raise our hands to doing at least one of those weekly, or even daily.

As people age, it can become more and more difficult to perform some physical tasks, even those that are normal activities of daily living. However, prioritizing physical fitness and health as you get older can help you go through your normal day-to-day routine without feeling physically exhausted at the end of the day.

It can also help you continue to have special memories with your family and loved ones that you might not have been able to have if you weren’t physically active. For example, I ran two half-marathons with my dad when he was in his 60s!

I am an exercise physiologist who studies how people can use resistance training to improve human performance, whether it be in sports and other recreational settings, in everyday life, or both. I am also a certified strength and conditioning specialist. My career has given me the opportunity to design exercise programs for kids, college athletes and elderly adults.

Staying physically active as you get older doesn’t need to include running a half-marathon or trying to be a bodybuilder; it could be as simple as trying to get through the day without feeling winded after you go up a flight of stairs. Although our muscles naturally get weaker as we age, there are ways we can combat that to help improve quality of life as we get older.

Man in his 60s, a middle-aged woman and a middle-aged man, all wearing race medals and running gear.
From left are the author’s father, who was age 61 at the time, the author’s wife and the author after completing the Lincoln Half Marathon. Zachary Gillen, CC BY-NC-ND

Muscle loss and chronic disease

One of the most important parts of exercise programming, no matter who I am working with, is proper resistance training to build muscle strength. Some amount of age-related loss of muscle function is normal and inevitable. But by incorporating resistance training that is appropriate and safe at any ability level, you can slow down the rate of decline and even prevent some loss of muscle function.

The medical term for a condition that involves age-related loss of muscle function and mass is sarcopenia. Sarcopenia can begin as early as age 40, but it tends to be more common in adults age 60 and older. Sarcopenia is associated with a number of health issues such as increased risk of falling, cardiovascular disease and metabolic disease, among others.

In one of our team’s previous studies, we saw that otherwise healthy individuals with sarcopenia had issues delivering vital nutrients to muscle. This could lead to greater likelihood of various diseases, such as Type 2 diabetes, and slow down recovery from exercise.

Recent estimates suggest that sarcopenia affects 10% to 16% of the elderly population worldwide. But even if a person doesn’t have clinically diagnosed sarcopenia, they may still have some of the underlying symptoms that, if not dealt with, could lead to sarcopenia.

Strength training is key

So the question is, what can be done to reverse this decline?

Recent evidence suggests that one of the key factors leading to sarcopenia is low muscle strength. In other words, combating or reversing sarcopenia, or both, may be best done with a proper resistance-training program that prioritizes improving strength. In fact, the decline in muscle strength seems to occur at a much faster rate than the decline in muscle size, underscoring the importance of proper strength training as people age.

Chart showing the general pattern for changes in muscle strength and size across stage of life.
Typical age-related changes in muscle strength and size with and without strength training. Zachary Gillen

Continuing to regularly strength train with moderate to heavy weights has been shown to be not only effective at combating the symptoms of sarcopenia but also very safe when done properly. The best way to make sure you are strength training properly is to seek out guidance from a qualified individual such as a personal trainer or strength and conditioning specialist.

Despite the clear benefits of strength training, it’s been shown that only about 13% of Americans age 50 and older do some form of strength training at least twice a week.

Finding what works for you

So how does a person properly strength train as they age?

The National Strength and Conditioning Association, a leading organization in advancing strength and conditioning around the world, states that for older adults, two to three days per week of strength training can be incredibly helpful for maintaining healthy muscle and bone and combating a number of chronic conditions.

The organization recommends that these workouts involve one to two exercises involving multiple joints per major muscle group, with six to 12 repetitions per set. These are done at an intensity of 50% to 85% of what’s known as one-repetition maximum – the most weight you could handle for a single repetition – with the exception of body weight exercises that use one’s own body weight as the resistance, such as pushups.

I would also recommend resting for about two to three minutes between sets, or even up to five minutes if the set was challenging. For older adults, particularly those age 60 and older, the National Strength and Conditioning Association guidelines suggest that a program like this be performed two to three days per week, with 24 to 48 hours between sessions.

An example of a strength training routine for older adults based on the National Strength and Conditioning Association guidelines

There are a great variety of exercises that could be done interchangeably in a strength training program like this.

ExerciseNumber of setsRepetitions per setIntensity
Barbell squat3670-85%
Barbell bench press3670-85%
Dumbbell lunges38 per leg50-70%
Dumbbell bent over row31050-70%
Double-leg hops212Body weight
Pushups212Body weight

Table: The Conversation Source: Zachary Gillen Get the data Created with Datawrapper

Making life’s tasks lighter

The guidelines above are only one example out of many options, but they provide a framework that you can use to build your own program. However, I would highly recommend seeking out a professional in the field to give specific exercise programming advice that can be tailored to your own needs and goals as you age.

Following such a program would give your muscles an excellent stimulus to enhance strength, while also allowing enough recovery, a very important consideration as people age. You might think it looks like a huge time commitment, but an exercise routine like this can be done in less than an hour. This means that in less than three hours of strength training per week you can help improve your muscle health and reduce the risk of getting sarcopenia and associated health issues.

It’s also important to note that there is no one right way to do resistance training, and it needn’t involve traditional weight equipment. Group classes like Pilates and yoga or those that involve circuit training and work with resistance bands can all produce similar results. The key is to get out and exercise regularly, whatever that entails.

Zachary Gillen, Assistant Professor of Exercise Physiology, Mississippi State University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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My wife, Jean, was diagnosed with Parkinson’s Disease (PD) in December, 2015. Many of you know that.

Fortunately at our local Club Northwest there was a group of PD sufferers who twice a week held a ‘Rock Steady Class’ under the instruction of a professional coach; Jean joined the group. It was a brilliant move for Jean and she gets a huge amount of care from being with them.

Luckily for me having to drive Jean into Club Northwest it made sense for me to sign up to a fitness class at the same time so I am put through a regular fitness routine under the coaching of Bruce. Plus I try and go bike riding three times a week.

In other words, we both try and stay as fit as we can.

A calmer mind – Wood

Concluding the series from BBC Radio 4

If you have not registered with the BBC then you will need to do so before the link at the bottom works.

This last time it is wood. Here it is:

In this episode – Wood – we visit the Woodwork for Wellbeing Workshop in Bethnal Green, London where every Tuesday people with mental health issues spend time making things with wood. They find it to be very therapeutic and fun. And Professor Miles Richardson of the University of Derby shares research from Japan which shows that simply touching wood is calming.

Produced and Presented by Helen Needham

Research by Anna Miles and Maud Start

Original Music by Anthony Cowie

Mixed by Ron McCaskill

BBC Radio 4

https://www.bbc.co.uk/sounds/play/m001np8k

This is the last one of this series from the Beeb and if any of you have noticed I chose to present these programmes in a different order to that presented by the BBC.

chose‘ is only slightly accurate – the true reason is that I screwed up!

A calmer mind – Earth

Another broadcast from BBC Radio 4 in this series!

As I said before, so far this has been a fascinating series of programmes and, hopefully, some of you have listened to the episodes.

In Episode 5 – Earth – we visit the Horticultural Therapy Trust allotment in Plymouth and discover how gardening can be soothing for people with severe mental illnesses. We also hear about how putting our hands in the earth can be good for our gut microbiome and potentially our mental health.

Produced and Presented by Helen Needham
Research by Anna Miles and Maud Start
Original Music by Anthony Cowie
Mixed by Ron McCaskill and Malcolm Torrie

A BBC Scotland Production made in Aberdeen for BBC Radio 4

BBC Radio 4

https://www.bbc.co.uk/programmes/m001p6vt

Tomorrow we publish another programme in this series.

A calmer mind – Air

The choice is now air.

This is about breathing and is something I know about. Because Bruce at our local ClubNorthwest has a session with me when I spend five minutes or so taking in through the nose the deepest breath that I can.

If you have not registered with the BBC then you will need to do so before the link at the bottom works.

In Episode 4 – Air – we visit an infant school in Nottingham where young children regularly learn breathing techniques to reduce stress and anxiety. We also hear about research from Italy showing how slowing our breathing impacts positively on brain activity. Plus breath coach and founder of School Breathe, Aimee Hartley, shares her experience of learning to breathe well.

Produced and Presented by Helen Needham
Research by Anna Miles and Maud Start
Original Music by Anthony Cowie
Mixed by Ron McCaskill and Malcolm Torrie

A BBC Scotland Production made in Aberdeen for BBC Radio 4

BBC Radio 4

https://www.bbc.co.uk/programmes/m001p1pg

Another programme tomorrow!

A calmer mind – Water

Continuing this fascinating series from BBC Radio 4.

Last week the BBC chose to present a programme called An Almanac for Anxiety. There were five episodes: Fire; Wood: Water: Air; Earth.

If you have not registered with the BBC then you will need to do so before the link below works.

The details of each episode were presented on the BBC website:

In Episode 3 – Water – we join a group of socially prescribed outdoor swimmers on Teignmouth Beach in Devon who find joy in immersing themselves in cold water. We also hear why spending time around blue spaces is so effective at promoting a sense of calm from Dr Catherine Kelly of the University of Brighton.

Produced and Presented by Helen Needham
Research by Anna Miles and Maud Start
Original Music by Anthony Cowie
Mixed by Ron McCaskill and Malcolm Torrie

A BBC Scotland Production made in Aberdeen for BBC Radio 4

BBC Radio 4

https://www.bbc.co.uk/programmes/m001nvp1

Tomorrow we present the episode on Air.

Trust you are enjoying these!