Have You Ever Thought Of Finance?

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a total noob Experts share their advice for deciding whether to insure your next trip. Your personal financial situation and the amount you’re splurging on the trip in question are big factors when assessing the need for travel insurance.    As vaccinations rise and restrictions ease, more and more Americans are making travel plans for the summer and beyond. But many are proceeding with caution amid the lingering uncertainty about the future of COVID-19 and memories of frantic trip cancellations in 2020 ― hence the increasing interest in travel insurance . “Travel insurance is being seen more as an essential coverage,” Amy Danise, chief insurance analyst at Forbes Advisor, told HuffPost. “The pandemic showed us how unpredictable travel can be. Frankly, travel has always been unpredictable ― after all, you don’t expect that you’re going to get injured or ill before or during a trip. But the pandemic put a spotlight on ways we can increase our financial security, and travel insurance certainly fits that bill.” People were quick to buy travel insurance as the coronavirus situation escalated last February, and the interest has continued. But is travel insurance actually worth it now? Below, Danise and other experts share their guidance. Your personal financial situation and the amount you’re splurging on the trip in question are big factors when assessing the need for travel insurance. “If you have just dropped a large amount of money on non-refundable trip deposits, travel insurance is already a necessity for you ― unless you can easily afford to lose that money if something goes wrong,” Danise noted. “On the flip side, if you’re staying in the U.S. and you have refundable airline tickets and a hotel with a good cancellation policy, you may not need travel insurance because you don’t have much to lose,” she added. If you do decide to purchase travel insurance, it’s important to read the details before committing to a particular plan. “The biggest mistake that people regularly make with insurance is buying it with just a hope that it’ll be useful and protective, but only looking at the fine print when they actually need to use it,” said Scott Keyes, author of “Take More Vacations” and founder of Scott’s Cheap Flights . “It’s all well and good to buy things to give us comfort and peace of mind, but it’s important to recognize if you actually need to use this product, it might not be as protective or expansive as you assumed.” Many people learned early in the pandemic that their travel insurance didn’t necessarily cover flights or accommodations they canceled due to concerns about the coronavirus because they hadn’t purchased “cancel for any reason” plans. As the name suggests, this type of insurance allows travelers to cancel their trips for any reason, including fear. Naturally, the pandemic increased interest in this benefit.

https://www.huffpost.com/entry/travel-insurance-pandemic_l_6091fb92e4b02e74d22cf5f6

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A man wearing glasses and a maroon sweater gestures toward a computer screen displaying information about microprocessors while he talks to someone off to the side of the camera. Researchers to redesign microprocessors to increase computing power Vijaykrishnan Narayanan, A. Robert Noll Chair of Electrical Engineering and Computer Science at Penn State, is leading the efforts to explore new methods of improving computing power in microprocessors.  Researchers to redesign microprocessors to increase computing power UNIVERSITY PARK, Pa. — Increasing computing power is critical for many technological developments. However, the traditional method of increasing computing power — namely, adding more transistors to microprocessors — is reaching its limit of physical scaling. With a three-year, $500,000 grant from the National Science Foundation, researchers led by Vijaykrishnan Narayanan, A. Robert Noll Chair of Electrical Engineering and Computer Science at Penn State, are exploring new methods of improving computing power in microprocessors.  A microprocessor is a central processing unit made of transistors, the switches that change electrical signals. In order to improve computing power, scientists pack more transistors into a single microprocessor by making the transistors smaller. However, transistors are becoming as small as physically possible, according to Narayanan. To improve microprocessors and their computing power, scientists have to build the microprocessors differently — more specifically, they have to build up. “There used to be only one layer of transistors because of fabrication challenges, but now we are looking at multiple layers of these transistors stacked upon each other,” Narayanan said. “Think about making a stack of pancakes. The pancakes can be made separately and stacked on top of each other, and that is what is being done now. But with the notion of microprocessor technology, when you stack things, it’s not enough that you stack; the stacks need to communicate with each other.” In order to increase communication between the layers, which is important for the speed of processing, the layers cannot be premade and then stacked. Instead, they must be created as they are being layered. However, creating the layers as they are being stacked means that the top layers behave differently from the bottom layers, requiring new design strategies.  “We’re aware that the performance of the different layers is slightly different, so how do you make a more powerful processor with this?” Narayanan said. “What I’m looking at, within the boundaries of these limitations, is how well are we able to allocate the design to different layers. What needs to be at the top layer, if I move things there, how should I design them to enhance power, performance, robustness?” The ultimate goal of the research, Narayanan said, is to explore the types of opportunities that come into play when the microprocessors have another dimension that simultaneously allows for greater connectivity between the layers.  “When we can do these types of things, we’ll have the ability to integrate different technologies together as a single chip,” Narayanan said.

https://news.psu.edu/story/641529/2020/12/09/research/researchers-redesign-microprocessors-increase-computing-power

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