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The map of our DNA is finally complete. Here’s what that means for humanity.

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Scientists are finally done mapping the human genome, more than two decades after the first draft was completed, researchers announced Thursday. About 8% of genetic material had been impossible to decipher with previous technology.

Completing the final pieces is like adding the continent of Africa to a map of the globe that lacked it, said Michael Schatz, who participated in the research and is a professor of computer science and biology at Johns Hopkins University.

Even missing that 8%, scientists were able to get the gist of the story of human genetics, said Jonas Korlach, chief scientific officer of Pacific Biosciences, the company whose technology was used to fill the gaps.

If genetics were a detective story, “precisely the pages where you would find out who the murderer is were missing,” he said.

Several teams of American researchers published six papers in the journal Science on Thursday that fill the gaps in a single human genome, compare those areas with some of our closest ape relatives and begin to explain the role of those newly described pieces.

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University of Washington geneticist Evan Eichler helped map the remaining 8% of the human genome.University of Washington geneticist Evan Elchler helped map the remaining 8% of the human genome Clare McLean UW

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Click the link below for the article:

https://www.usatoday.com/story/news/health/2022/03/31/human-genome-dna-mapping-complete/7229428001/?utm_source=pocket_discover

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House passes ‘Secure Act 2.0.’ Here’s what that means for retirement savings

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The House of Representatives has passed a bill that will improve the retirement savings system for U.S. workers, moving it closer to becoming law.

The Securing a Strong Retirement Act, H.R. 2954, also called the Secure Act 2.0, was approved on Tuesday with a bipartisan vote of 414-5. Now, the legislation heads to the Senate.

“H.R. 2954 will help all Americans successfully save for a secure retirement by expanding coverage and increasing retirement savings, simplifying the current retirement system, and protecting Americans and their retirement accounts,” said House Ways and Means Committee Chairman Richard Neal, D-Mass., ahead of the Tuesday vote. “Too many workers reach retirement age without having the savings they need.”

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Lucy Lambriex

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Click the link below for the article:

https://www.cnbc.com/2022/03/30/house-passes-secure-act-2point0-heres-what-it-means-for-your-retirement-.html?utm_source=pocket_discover

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Nasdaq Bear Market: 3 High-Yield Dividend Stocks You’ll Regret not Buying on the Dip

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For the past few months, Wall Street and the investing community have been reminded that stocks can go down, too.

Following the strongest bounce back from a bear market bottom in history, all three major U.S. indexes are, once again, in correction territory. The 125-year-old Dow Jones Industrial Average and benchmark S&P 500 are lower by more than 10%, while the growth-dependent Nasdaq Composite has entered a bear market (i.e., a decline of at least 20%).

While the velocity of stock market declines can be scary at times, especially for the more-volatile Nasdaq Composite, history has shown time and again that buying high-quality stocks during corrections and bear markets is a smart move. After all, every notable decline in the market throughout history has eventually been put into the back seat by a bull market rally.

The big question is: Which stocks to buy on the dip?

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A snarling bear set in front of a rapidly declining stock chart. Image source: Getty Images.

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Click the link below for the article:

https://www.fool.com/investing/2022/03/19/nasdaq-bear-market-3-high-yield-dividend-stocks/?utm_source=pocket_discover

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Forest Trees

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In botany, a tree is a perennial plant with an elongated stem, or trunk, usually supporting branches and leaves. In some usages, the definition of a tree may be narrower, including only woody plants with secondary growth, plants that are usable as lumber or plants above a specified height. In wider definitions, the taller palms, tree ferns, bananas, and bamboos are also trees. Trees are not a taxonomic group but include a variety of plant species that have independently evolved a trunk and branches as a way to tower above other plants to compete for sunlight. The majority of tree species are angiosperms or hardwoods; of the rest, many are gymnosperms or softwoods. Trees tend to be long-lived, some reaching several thousand years old. Trees have been in existence for 370 million years. It is estimated that there are some three trillion mature trees in the world.

A tree typically has many secondary branches supported clear of the ground by the trunk. This trunk typically contains woody tissue for strength, and vascular tissue to carry materials from one part of the tree to another. For most trees, it is surrounded by a layer of bark which serves as a protective barrier. Below the ground, the roots branch and spread out widely; they serve to anchor the tree and extract moisture and nutrients from the soil. Above ground, the branches divide into smaller branches and shoots. The shoots typically bear leaves, which capture light energy and convert it into sugars by photosynthesis, providing the food for the tree’s growth and development.

Trees usually reproduce using seeds. Flowers and fruit may be present, but some trees, such as conifers, instead have pollen cones and seed cones. Palms, bananas, and bamboos also produce seeds, but tree ferns produce spores instead.

Trees play a significant role in reducing erosion and moderating the climate. They remove carbon dioxide from the atmosphere and store large quantities of carbon in their tissues. Trees and forests provide a habitat for many species of animals and plants. Tropical rainforests are among the most biodiverse habitats in the world. Trees provide shade and shelter, timber for construction, fuel for cooking and heating, and fruit for food as well as having many other uses. In parts of the world, forests are shrinking as trees are cleared to increase the amount of land available for agriculture. Because of their longevity and usefulness, trees have always been revered, with sacred groves in various cultures, and they play a role in many of the world’s mythologies.

Although “tree” is a term of common parlance, there is no universally recognized precise definition of what a tree is, either botanically or in common language. In its broadest sense, a tree is any plant with the general form of an elongated stem, or trunk, which supports the photosynthetic leaves or branches at some distance above the ground. Trees are also typically defined by height, with smaller plants from 0.5 to 10 m (1.6 to 32.8 ft) being called shrubs, so the minimum height of a tree is only loosely defined. Large herbaceous plants such as papaya and bananas are trees in this broad sense. Wikipedia

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An image of Forest Trees

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Americans are ‘wasting too much money on housing,’ says top economist—here are 4 ways to get ‘house rich’

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“House poor” is a common expression used to describe people who are wasting too much money on housing, leaving them with too little to spend on everything else. But it can also refer to those who are getting too little housing bang for their buck.

And now, with interest rates on home mortgages spiking faster than they have in decades, it’s getting more expensive by the moment to own a home in the U.S.

As an economist, one of my goals is to make you “house rich,” ensuring you end up with the housing you really want at the price you can really afford.

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Home against a color background, house or mortgage conceptPeter Dazeley | The Image Bank | Getty Images

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Click the link below for the article:

https://www.cnbc.com/2022/03/31/americans-are-wasting-too-much-money-on-housing-says-economist-heres-how-to-get-house-rich.html?utm_source=pocket_discover

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Here’s Who Won’t Qualify For $6.2 Billion Of Student Loan Cancellation

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Here’s who won’t qualify for $6.2 billion of student loan cancellation.

Here’s what you need to know — and what it means for your student loans.

Student Loans

There’s good news for student loan borrowers: President Joe Biden will cancel $6.2 billion of student loans. However, you may be wondering if you will qualify for this student loan forgiveness. While 100,000 student loan borrowers are expected to qualify for this student loan cancellation, it’s important to understand who won’t qualify for $6.2 billion of student forgiveness.

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President Joe Biden (Photo by Win McNamee/Getty Images) Getty Images

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Click the link below for the article:

https://www.forbes.com/sites/zackfriedman/2022/03/19/heres-who-wont-qualify-for-62-billion-of-student-loan-cancellation/?utm_source=pocket_discover&sh=54351602213a

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Bangladesh

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Bangladesh officially the People’s Republic of Bangladesh is a country in South Asia. It is the eighth-most populous country in the world, with a population exceeding 163 million people in an area of either 148,460 square kilometers (57,320 sq mi) or 147,570 square kilometers (56,980 sq mi), making it one of the most densely populated countries in the world. Bangladesh shares land borders with India to the west, north, and east, and Myanmar to the southeast; to the south, it has a coastline along the Bay of Bengal. It is narrowly separated from Nepal and Bhutan by the Siliguri Corridor, and from China by 100 km of the Indian state of Sikkim in the north. Dhaka, the capital and largest city, is the nation’s economic, political, and cultural hub. Chittagong, the largest seaport, is the second-largest city. The official language is Bengali, one of the most eastern branches of the Indo-European language family.

Bangladesh forms the sovereign part of the historic and ethnolinguistic region of Bengal, which was divided during the Partition of British India in 1947. The country has a Bengali Muslim majority. Ancient Bengal was an important cultural center in the Indian subcontinent as the home of the states of Vanga, Pundra, Gangaridai, Gauda, Samatata, and Harikela. The Mauryan, Gupta, Pala, Sena, Chandra, and Deva dynasties were the last pre-Islamic rulers of Bengal. The Muslim conquest of Bengal began in 1204 when Bakhtiar Khalji overran northern Bengal and invaded Tibet. Becoming part of the Delhi Sultanate, three city-states emerged in the 14th century with much of eastern Bengal being ruled from Sonargaon. Sufi missionary leaders like Sultan Balkhi, Shah Jalal, and Shah Makhdum Rupos helped in spreading Muslim rule. The region was unified into an independent, unitary Bengal Sultanate. Under Mughal rule, eastern Bengal continued to prosper as the melting pot of Muslims in the eastern subcontinent and attracted traders from around the world. Mughal Bengal became increasingly assertive and independent under the Nawabs of Bengal in the 18th century. In 1757, the betrayal of Mir Jafar resulted in the defeat of Nawab Siraj-ud-Daulah to the British East India Company and eventual British dominance across South Asia. The Bengal Presidency grew into the largest administrative unit in British India. The creation of Eastern Bengal and Assam in 1905 set a precedent for the emergence of Bangladesh. In 1940, the first Prime Minister of Bengal supported the Lahore Resolution with the hope of creating a state in eastern South Asia. Prior to the partition of Bengal, the Prime Minister of Bengal proposed a Bengali sovereign state. A referendum and the announcement of the Radcliffe Line established the present-day territorial boundary of Bangladesh.

In 1947, East Bengal became the most populous province in the Dominion of Pakistan. It was renamed as East Pakistan with Dhaka becoming the country’s legislative capital. The Bengali Language Movement in 1952; the East Bengali legislative election, 1954; the 1958 Pakistani coup d’état; the Six point movement of 1966; and the 1970 Pakistani general election resulted in the rise of Bengali nationalism and pro-democracy movements in East Pakistan. The refusal of the Pakistani military junta to transfer power to the Awami League led by Sheikh Mujibur Rahman led to the Bangladesh Liberation War in 1971, in which the Mukti Bahini aided by India waged a successful armed revolution. The conflict saw the 1971 Bangladesh genocide and the massacre of pro-independence Bengali civilians, including intellectuals. The new state of Bangladesh became the first constitutionally secular state in South Asia in 1972. Islam was declared the state religion in 1988. In 2010, the Bangladesh Supreme Court reaffirmed secular principles in the constitution.

Bangladesh is a unitary parliamentary constitutional republic based on the Westminster system. Bengalis make up 98% of the total population of Bangladesh,[4] and the large Muslim population of Bangladesh makes it the third-largest Muslim-majority country. The country consists of eight divisions, 64 districts, and 495 subdistricts. It maintains the third-largest military in South Asia after India and Pakistan; and has been a major contributor to UN peacekeeping operations. A middle power in the Indo-Pacific, Bangladesh is an emerging economy ranked as the 33rd-largest in the world by nominal GDP, and the 29th-largest by PPP. It hosts one of the largest refugee populations in the world due to the Rohingya genocide. Bangladesh faces many challenges, including the adverse effects of climate change, poverty, illiteracy, corruption, authoritarianism, and human rights abuses. However, the poverty rate has halved since 2011 and the country is expected to become a middle-income country in this decade. Once a historic center of the muslin cloth trade, Bangladesh is now one of the world’s largest modern garment exporters. Wikipedia

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An image from Bangladesh

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How to Create a Retirement Income Stream

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During your working years, your largest income stream is generally from employment. When you retire, however, your income will likely need to come from a variety of sources, such as retirement accounts, after-tax investments, Social Security, pensions, or even continued part-time work. For those looking to create a retirement income stream, there are a variety of strategies available depending upon your specific income needs and lifetime goals. Two simple retirement income strategies include the total return approach and the bucket approach.

Total Return Approach to Retirement Income

The total return approach is probably the best-known strategy. With this approach, assets are invested with a focus on diversification, using a portfolio of investments with a varied potential for growth, stability, and liquidity, based on your time horizon, risk tolerance, and need for current and future income. There are three defined stages within this approach, which are contingent upon how near you are to retirement:

  • Accumulation phase: During peak earnings years, the objective is to increase total portfolio value through long-term investments that offer growth potential.

  • Pre-retirement phase: As you approach retirement this should include a gradual move toward a more balanced growth and income-based portfolio, with an increased allocation toward stable and liquid assets as a means of preserving your earnings.

  • Retirement phase: Once retired, maximizing tax-efficient income while protecting against principal decline may result in a portfolio heavily weighted toward income-producing liquid assets.

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A boat made out of a $100 floats on blue water.Getty Images

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Click the link below for the article:

https://www.kiplinger.com/retirement/retirement-planning/604513/how-to-create-a-retirement-income-stream?utm_source=pocket_discover

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