ขายการ์ตูนออนไลน์ Facebook อ่านการ์ตูนออนไลน์ Facebook อ่านการ์ตูน Facebook มังงะออนไลน์ Facebook อ่านมังงะออนไลน์ Facebook การ์ตูนวังวนปรารถนา Facebook การ์ตูนโรแมนติก Facebook ขายการ์ตูนหมึกจีน Facebook การ์ตูนนางฟ้าซาตาน Facebook แกล้งจุ๊บให้รู้ว่ารัก Facebook การ์ตูนแกล้งจุ๊บให้รู้ว่ารัก Facebook เกมรักพยาบาท Facebook GOLD รักนี้สีทอง Facebook เกาะนางพญาเงือก Facebook หนุ่มสุดขั้วบวกสาวสุดขีด Facebook วังวนปรารถนา Facebook คุณหนูไฮโซโยเยรัก Facebook เจ้าหญิงซ่าส์กับนายหมาบ้า Facebook รักทั้งตัวและหัวใจ Facebook หัวใจไม่ร้างรัก Facebook เหิรฟ้าไปคว้ารัก Facebook บินไปกับหัวใจสีชมพู Facebook princessหมึกจีน Facebook ฝ่าไปให้ถึงฝัน Facebook หวานใจองค์ชายมองโกล Facebook หน้ากากนักสืบ Facebook ราศีมรณะ Facebook THE B.B.B. ลงเอยที่ความรัก Facebook เกียรติยศรัก Facebook SAINT ADAM มารยาปรารถนา Facebook หนุ่มยักษ์รักสุดฤทธิ์ Facebook รักแรกแสนรัก Facebook รอรักสาวซากุระ Facebook รักโฮ่งๆ ตกลงมั้ย Facebook หนุ่มนักนวดนิ้วทอง Facebook รักแบบนี้...กิ๊กเลย Facebook ขอแก้เผ็ดหนุ่มหลายใจ Facebook บอดี้การ์ดเจ้าปัญหา Facebook อ้อมกอดทะเลทราย Facebook การ์ตูนรอรักในฝัน Facebook การ์ตูนหัวใจร่ำหารัก Facebook อุ่นไอรักหนุ่มออฟฟิศ Facebook การ์ตูนสองสาวสองรัก Facebook การ์ตูนรอเธอบอกรัก Facebook การ์ตูนรักระแวง Facebook การ์ตูนสุดแต่ใจของเธอ Facebook การ์ตูนหนามชีวิต Facebook ยอดรักเพชรในดวงใจ Facebook การ์ตูนวังวนในหัวใจ Facebook การ์ตูนรักแรกฝังใจ Facebook การ์ตูนกับดักหัวใจ Facebook การ์ตูนคุณชายที่รัก Facebook อ้อมกอดดาวเคล้าเกลียวคลื่น Facebook การ์ตูนเจ้าสาวเงินตรา Facebook การ์ตูนเพลงรักสองเรา Facebook การ์ตูนมนต์รักลมหนาว Facebook การ์ตูนโอมเพี้ยงเสี่ยงรัก Facebook ครูจอมซ่าส์หรือนายขาโจ๋ Facebook เล่ห์รักปักหัวใจ Facebook การ์ตูนคู่รักนิรันดร Facebook การ์ตูนชะตารัก Facebook แฝดหนุ่มมะรุมมะตุ้มรัก Facebook รูมินเทพบุตรซาตาน Facebook รักเทวดาท่าจะวุ่น Facebook รวมเรื่องสั้นMiwa Sakai Facebook Hot Love หมึกจีน Facebook การ์ตูนผีกุกกัก Facebook คุณหนูกับทาสหนุ่ม Facebook การ์ตูนเธอคือนางเอก Facebook หนุ่มเซ่อเจอสาวแซ่บ Facebook Extra Romance หมึกจีน Facebook เว็บขายการ์ตูนออนไลน์ Facebook

How to set up iCloud and back up your iPhone

Craig Grannell explains how activating iCloud will help
you share data between devices and keep it safe

Apple’s iCloud acts as a storage, data-sync
and backup service for your iPhone, iPod
touch or iPad. Through iCloud, iOS devices
were fi nally freed from being accessories to Macs
and PCs, because the likes of calendar events
and contact data would be synchronised on-thefl
y, rather than updated when
you plugged your device in
and synced.
But iCloud goes further than
ensuring your appointments
and phone numbers are up
to date. Increasingly, other
services rely on iCloud,
including browser bookmarks,
photo-sharing, app document
sharing, and the means to fi nd
your device should you lose it.
Additionally – and
perhaps most importantly –
iCloud enables you to keep
your data safe, by backing it
up to the cloud.
This walkthrough assumes
you already have an Apple ID.
1. Sign in
During the setup of a new or
upgraded device, you’ll get the
chance to sign in using your
Apple ID and then to use iCloud.
If you skip this step, you can still
set up iCloud on your device
— open the Settings app, and
then select iCloud. In the iCloud
window, type in your Apple ID
and password and then tap Sign
In. The device will most likely
take a few seconds to verify
your account.
2. Choose your services
You’ll next be asked whether
you want to merge the data
already on your device with iCloud. This means, for
example, if you’ve used your iPhone to enter some
appointments in Calendar, these will then be sent to
iCloud and made available on other devices signed
into the same iCloud account. Again, it will take
the device a short while to save this setting, so be
patient while it does so.
3. Allow location services
You’re next asked whether you allow iCloud to
use the location of your device. Given that you
control who else can see this, we recommend
turning this feature on. At the very least, it enables
you to discover the location of your device in the
Find My iPhone app, should you lose it. Turning
this feature on also means
you can invite other people to
see your location in the Find
My Friends app.
4. Choose your services
By default, iCloud turns
everything on, but you can tap
the switches to turn specifi c
options o if you don’t want the
associated data shared with
iCloud, or if you have no use for
the service. For example, if you
want your Safari bookmarks to
be device-specifi c and _not_
shared between devices, turn
o Safari. Note that with Mail,
iCloud sharing relates to an @
icloud.com address and not all your email. Should
you want other email to be readily accessible and
synced across devices, investigate IMAP.
5. Start your backup
Scroll down to and select Storage & Backup.
Within, you’ll see how much total storage space
you have available on iCloud (5GB free by default),
and how much is available. iCloud backup will
be on by default, and will be triggered when
the device is plugged-in, locked and on Wi-Fi.
However, you can also manually start a backup
by tapping Back Up Now. Backups are incremental
(as in, they only upload new data), but the fi rst one
may take some time.
6. Manage your backups
Depending on your iCloud
usage, you may fi nd Apple’s
5GB for free fi lls up quickly. In
fact, if you’ve existing backups
in iCloud or too much data on
a single device, you’ll have to
either pay for more storage
(tap Buy More Storage, select
an option, and cover your ears
to block your bank account’s
blood-curdling screams), or tap
Manage Storage and select a
backup to edit.
7. Prune backup data
On selecting a backup, you’ll
(after a sometimes lengthy
delay) in the Backup Options section see the data
that’s being stored, and how much space each
app commands. Should you need to remove items,
prioritise those that take up most space but that you
can also easily restore from elsewhere. For example,
Camera Roll images will be being saved to Photo
Stream and downloaded into iPhoto if you have that
connected to iCloud.
8. Back up to iTunes
It’s possible to restore a new or existing device from
your iCloud backup. New devices o er the choice
during setup; older ones can be deleted via Settings
> General > Reset and tapping ‘Erase all content and
settings’; you can then opt to restore from a backup
during setup. However, iCloud
does occasionally go wrong.
Therefore, also periodically back
up to your Mac or PC via iTunes.
To do so, select your device, and
in the Summary tab, click Back
Up Now. The backup may take
some time.
9. iExplorer backup
Occasionally, it’s useful to back
up data from a specifi c app,
thereby enabling you to restore
it later (versus restoring an entire
backup); for example, you might
have completed a game and
want to free up space, but don’t
fancy the idea of some time in
the future starting from scratch after a reinstall. Some
games pull down saved data from iCloud, but most
don’t. Manual saves can be made using iExplorer.
Connect your device to your Mac or PC and select
Apps from the sidebar. Select the Documents and
Library folders, Ctrl-click and export them to your
computer. On a later app reinstall, these can be
dragged back to reinstate your progress.
10. Reset iCloud or your backup
If everything goes horribly wrong, take o and nuke
the entire thing from orbit — it’s the only way to be
sure. To do this, go to Settings > iCloud and tap
Delete Account. The service will be removed from
your device, and you can then start afresh.

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Guide to buying tech from the US

We look at the pros and cons of buying gear from the US

Doesn’t it feel like you’re being scammed?
You’re shopping around for new kit, but
the UK prices are often a hefty percentage
higher than they are in America. How can this be
when what you want is frequently made in China, so
incurs the same shipping costs wherever it’s finally
sold? You may be thinking the simple solution is to
buy overseas and have your purchase shipped to
your door, but sometimes it isn’t that simple.
Tax
The first thing to understand is that it isn’t always
cheaper to buy from the US, which means you need
to shop smarter. The prices on most American ads
and websites exclude tax, the rate of which can vary
from state to state.
So, when you see Apple advertising the 21.5in 4K
iMac for $1,499 (£1,036.36) in the US and £1,199 in
the UK, the £163 difference isn’t a true reflection of
the saving you can make by shipping one over (or
buying one when you are on holiday). Customers in
Chicago would want to add an extra $93.69 in sales
and state tax, bumping up the price to $1,592.69
(£1,101.14), while Beverley Hills shoppers are looking
at a tax bill of $134.91 for a total price of $1,637.91
(£1,132.38), which is almost as much as the UK figure.
Import duty
If you are planning a holiday to the US, or perhaps
heading out there on business, you may be thinking
that you could pick up a new laptop or iPhone while
you are there.
There are a few things to note, first as we mention
above, you will have to pay sales tax for the state
in which you are buying the Apple product, which
may already drive the price up significantly. The
other consideration is import duty for which you
will be liable at customs. Now you could take your
new laptop out of its box, leave the box behind, and
carry it through in a laptop bag, but do note there
are giveaways that you have bought in the US – not
least the positioning of some keys on the keyboard,
and the fact that the plug will be two pronged.
So if you did it all above board, you would be
looking at paying sales tax in the state you bought
it in, and also paying Import Duty as you pass
through customs. We looked at shipping and mailing
products provider Pitney Bowes duty calculator tool
to calculating this – there is more information in the
next section – and you could end up paying more
for your Apple product than you would have if you’d
bought it in the UK.
Delivery fees
You don’t have to be heading to America to get a
Apple product from that continent. You could find a
company that will let you buy from them directly.
But, should you decide to buy from a company
that will manage the delivery to you in the UK you
will still have delivery fees and import duties to
consider, as well as the fact that some retailers
won’t ship outside of the US.
Fortunately, there are companies that will
handle each of these on your behalf. It all
sounds a bit dodgy, though.
BundleBox, MyUS and Borderlinx will each
provide you with US address to which you can
have your products delivered so the retailer won’t
know where they’ll ultimately be forwarded on to.
Your chosen address provider will then dispatch
your purchases to the UK using a regular carrier
service (DHL in the case of Borderlinx, Fedex with
BundleBox, and DHL, Fedex or UPS with MyUS).
The services vary slightly, depending on who
you choose to use. BundleBox, for example, lets
you pre-pay any import duties that may apply (you
pay them, and they pass it on) so you shouldn’t
receive a call to the post office to settle the balance
before the parcel is released. MyUS will notify you of
broken or prohibited merchandise once it arrives at
its depot, so you don’t incur costs on products that
need returning. MyUS even has a personal shopper
service where it will buy a product on your behalf if
the outlet you’re using won’t accept your preferred
payment method (some stores won’t accept a
foreign payment card, for example).
Be aware, though, that some retailers are getting
wise to this ruse. When demand for the first iPad
massively outstripped supply on its US launch,
Apple pushed back shipping dates here in the UK.
We advised using BundleBox then, too, until Apple
cancelled all orders placed through BundleBox’s
BuyForMe service.
Even if someone else is importing the product for
you, Import Duty will still figure. Working out the total
cost of your import isn’t as simple as adding on a flat
20 percent to account for the VAT that will be due
when it passes through British customs. Shipping
and mailing products provider Pitney Bowes
maintains a handy import duty calculator where you
can specify what you’re importing and what it costs
from the retailer. We used the $1,499 price of the
4K iMac as a test case, which MyUS could ship to
‘Basic’ members in one to four business days via
DHL for $157.18. However, Pitney Bowes calculated
the overall ‘landed’ cost including duty and taxes
to be £1395.87 (£232.64 of which would be paid to
Customs), which is almost £200 more expensive
than the regular UK price.
Why you shouldn’t buy iPhones from USA
There are some products you shouldn’t buy and get
shipped over – or at least be careful when doing
so – and iPhones come close to the top of that list.
There are two reasons for this. First, to get the best
deals in the US you’ll need to sign up to a two-year
contract with an American cell network, which will
only work as an expensive roaming connection in
the UK, potentially wiping out any savings you might
make on the hardware. Second, Apple sells slightly
different iPhones in different countries to cater for
geographically-differentiated network technology.
In total it sells four different 6s and four 6s Plus
iPhones catering for, respectively, the US, China
(two models) and the rest of the world. One 6s and
one 6s Plus sold in the US is the same as the ‘rest
of the world’ edition, but you’ll need to make sure
you’re buying the correct build of each (specifically,
for the 6s, it’s model A1688 (GSM), while for the 6s
Plus it’s the A1687 (GSM).

If you are buying one with a network lock-in,
or a second-hand phone that has since been
unlocked (which rather defeats the object or
buying overseas), you’re looking for the models
that were designed for use on Boost, Credo,
iWireless, Sprint, T-Mobile or Verizon.
What you shouldn’t buy App Store apps
and Software Subscriptions from the USA
It used to be easy to buy boxed software overseas
and ship it home. However, with the move to
downloads things are more complicated –
particularly as it’s now easier for developers to
ensure you’re complying with licenses and only
using their products in authorised territories.
In the case of downloads, your hardware is often
tied to a specific store, such as the iTunes Store or
Mac App Store, and although it is possible to open a
US iTunes account and top it up using gift cards (so
you don’t need to add an American credit- or debit
card) you risk having your account terminated, your
purchases revoked and action taken against you.
Apple’s terms and conditions for the US store state
from the outset that, “the iTunes Service is available
to you only in the United States, its territories,
and possessions. You agree not to use or attempt
to use the iTunes Service from outside these
locations. Apple may use technologies to verify
your compliance.”
The same goes for subscription software. An
Office 365 personal subscription in the US costs
$69.99 a year (£48.53), but £59.99 a year over here,
making the UK around 23 percent more expensive.
So, why not sign up through Microsoft’s US pages,
rather than the UK site? Once again the answer is
down to eligibility: by purchasing your subscription
through the US you’d be contravening the End User
License Agreement, which could leave you liable
to prosecution. Specifically, Microsoft states, “You
may activate the service/software only in the region
in which it was acquired. Microsoft’s software and
services are subject to US’ and other jurisdictions’
export and technology laws and you agree to
comply with all such applicable laws and regulations
that apply to the software and/or services.”
Other issues
You may be concerned that your Apple warranty
won’t hold up if you bought the product abroad.
Luckily Apple’s warranties are valid internationally
in any country that has an Apple Authorised Service
Provider. We recommend buying Apple Care
though, but from the UK, or you may end up in a
sticky situation later on.
Another thing to be prepared for if you are buying
any product with a keyboard, is that the keyboard
layout will be different. This is more of an issue if
you buy a laptop because its easy enough to get a
new keyboard for a desktop. The key difference will
be the # key instead of a £ symbol on the 3 key, it
is also unlikely to have a € symbol. You can change
these in settings, but they won’t be marked on the
keyboard, which could prove annoying.
Finally there is the fact that the plug will be
different, although there shouldn’t be a problem with
the voltage (we recommend you check though).
None of these things may worry you, but they
are a giveaway as to where you bought the Mac.
So should you ever buy
Apple products from the US?
Answering this question used to be a no-brainer,
but it’s no longer so clear cut. Buying overseas – so
long as you comply with any applicable licenses
– will often let you get new products earlier;
particularly as Apple has a tendency to address
its home market first, and roll out to the rest of the
world later on. However, the mechanics of making
foreign purchases mean it’s now easier than ever
for retailers to restrict a product’s use to specific
geographical areas, and the savings aren’t as great
as they once were. It’s perhaps the clearest case yet
of caveat emptor: buyer beware. Nik Rawlinson

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PEPPERONI PIZZA MUFFINS

Makes 6 muffins Prep Time
10 to 15 minutes Baking Time 25 to
30 minutes
􀀗􀀃 11/2 cups sifted all-purpose flour
􀀗􀀃 2 teaspoons baking powder
􀀗􀀃 11/2 teaspoons Italian seasoning
􀀗􀀃 11/2 teaspoons salt
􀀗􀀃 1 tablespoon sugar
􀀗􀀃 1/2 cup olive oil
􀀗􀀃 3/4 cup fresh milk
􀀗􀀃 3 medium eggs
􀀗􀀃 3/4 cup grated cheddar cheese
􀀗􀀃 1 cup grated mozzarella cheese
􀀗􀀃 1/2 cup grated Monterey
Jack cheese
􀀗􀀃 1 cup diced red bell
peppers, sautéed
􀀗􀀃 1/2 cup diced pepperoni, sautéed
FOR THE TOPPINGS
􀀗􀀃 1/3 cup shredded cheddar cheese
􀀗􀀃 1/3 cup shredded
mozzarella cheese
􀀗􀀃 6 slices pepperoni, halved

1 Preheat oven to 375°F. Line muffin
tins with muffin cups. Set aside.
2 Mix flour, baking powder, Italian
seasoning, salt, and sugar in a bowl
until well combined. Set aside.
3 Mix together olive oil, milk, and
eggs in another bowl or measuring
glass. Set aside.
4 Make a well in the center of the
dry ingredients and pour in the
oil mixture. Stir just until evenly
distributed. Add cheeses, bell
peppers, and pepperoni.
5 Spoon mixture into prepared
muffin tins until 3/4 full. Top
each with cheeses and 2 to 3
pepperoni pieces.
6 Bake in the preheated oven for
25 to 30 minutes or until a
toothpick inserted in the center
comes out clean.

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EARL GREY AND ORANGE BUTTER CAKE

Makes 6 (3-inch) cakes Prep
Time 15 minutes Baking Time 20 to
25 minutes
􀀗􀀃 1 cup butter, cubed and softened
􀀗􀀃 11/4 cups sugar
􀀗􀀃 4 large eggs
􀀗􀀃 2 cups all-purpose flour
􀀗􀀃 1 tablespoon baking powder
􀀗􀀃 1/2 teaspoon salt
􀀗􀀃 1/2 cup fresh orange juice
􀀗􀀃 1/4 cup Earl Grey tea (steep
1 tea bag in 1/4 cup hot water for
5 minutes)
􀀗􀀃 3 tablespoons loose Earl Grey
tea leaves
􀀗􀀃 2 tablespoons orange zest
FOR THE ORANGE GLAZE
􀀗􀀃 1 cup confectioners’ sugar, sifted
􀀗􀀃 2 to 4 tablespoons fresh
orange juice
1 Preheat oven to 350°F. Grease and
flour 6 (3-inch) ring molds; set aside.
2 In the bowl of an electric mixer
fitted with the paddle attachment,
cream butter and sugar until light
and fluffy, about 8 to 10 minutes. Add
eggs one at a time, beating well after
each addition.
3 Whisk together flour, baking
powder, and salt in a bowl. Combine
orange juice and steeped tea
in another.
4 With the mixer on low speed, add
flour mixture in 3 parts, alternating
with the orange juice mixture,
beginning and ending with the flour
mixture; beat until combined after
each addition. Add tea leaves and stir
until well combined. Add orange zest.
5 Using an ice cream scooper, scoop
batter into prepared molds until
3/4 full. Smooth tops with a spatula.
6 Bake in the preheated oven until
golden brown and a toothpick
inserted in the center comes out
clean, about 20 to 25 minutes.
Transfer pans to a wire rack and cool
completely. Remove cakes from pans.
7 Make the orange glaze: Place
confectioners’ sugar in a bowl. Add
orange juice, 1 tablespoon at a time,
stirring with a wire whisk. Mix until
smooth and well combined. Set aside.
8 When ready to serve, drizzle
orange glaze on top of cakes.

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DARK CHOCOLATE NAKED CAKE

Makes 1 (9-inch) cake Prep Time
1 hour Baking Time 40 minutes
FOR THE VANILLA CAKE
 3 cups sifted cake flour
 1 tablespoon baking powder
 1/2 teaspoon salt
 1 cup unsalted butter
 13/4 cups sugar
 4 medium eggs
 2 teaspoons vanilla extract
 1 cup full-cream milk
FOR THE CHOCOLATE FROSTING
 11/2 cups unsweetened cocoa powder
 2 tablespoons strong coffee
 400 grams good-quality dark or
bittersweet chocolate
 3 cups unsalted butter
 1 cup confectioners’ sugar
 2 teaspoons vanilla extract
1 Preheat oven to 350°F. Grease 2
(9-inch) round pans.
2 Make the vanilla cake: Sift together
cake flour, baking powder, and
salt into a bowl. Set aside. Using
an electric mixer, cream butter
on medium-low speed for 2 to 3
minutes. Gradually add sugar on
low speed. Beat on medium speed
for 4 to 5 minutes or until mixture
is light, soft, and pale yellow. Add
eggs one at a time. Add vanilla; mix.
Alternately add dry ingredients and
milk. Mix on medium-low speed
until well combined. Divide mixture
between pans. Bake for 35 to 40
minutes or until a toothpick inserted
in the center comes out clean.
Remove from the oven; cool. Remove
from pans; transfer to a rack.
3 Make the chocolate frosting:
Dissolve cocoa powder in 11/2 cups
boiling water. Add coffee; set aside.
Melt chocolate in the microwave; let
cool. Using an electric mixer, cream
butter for 2 minutes. Turn down
speed to low; add sugar. Increase
speed; cream mixture for 4 minutes.
Add melted chocolate; mix well. Add
cocoa mixture and vanilla; mix. Chill
for 30 minutes.
4 Slice cakes in half. Spread frosting
on top of one layer and top with
another layer. Repeat with the rest of
the cakes, ending with frosting. Chill
before serving.


15 GREEN THAI DESSERTS 9 PANNA COTTA LAVENDER GRANADILLA & WHITE CHOCOLATE MOUSSE WATERMELON GRANITA MAKE BACON WEAVE BREAKFAST BURRITO PIZZA POTATO PUFF CASSEROLE

Substituting home-whipped butter in baking

In my baking, can I substitute
heavy cream whipped to the butter
stage for store-bought butter?
-Rick Beaudin, Bangor, ME
Susan Purdy replies: It's
probably not a good idea, because
the moisture and air
content of the butter will vary
too much for consistent results
in your baking If you do want to try whipping
cream to the butter stage,
the easiest way is to start with
1 cup (8 ounces) heavy cream
in the blender. (It's important
to use heavy cream because it
contains the full 36% butterfat
you need to make butter) .
Process on high speed until
stiff, 2 to 3 minutes. Add liz cup
ice water, cover, and blend on
high speed about 1 minute, or
until the mixture clearly separates into solid butter and a
milky whey. Strain through at
least four or five layers of
cheesecloth set in a sieve.
Twist the ends of the
cloth around the butter,
pressing with your
hands to expel as much liquid
as possible. Finally, remove the
butter from the cheesecloth
and knead it on the counter to
remove more liquid. Scrape
the butter onto clean paper
towels, patting and blotting it
until dry. Finally, press the
butter into a mold or dish.
With this blender method,
8 ounces heavy cream yields
about 3 ounces (or a generous
YJ cup) unsalted butter.
If you're really interested in
making your own butter, you
can order larger-capacity hand
or electric butter churns from
a farm-supply catalog.
Susan P urdy's latest book is
Let Them Eat Cake (William
Morrow, 1 997)

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LAVENDER GRANADILLA & WHITE CHOCOLATE MOUSSE CAKE WITH FLOWER STUDDED HONEYCOMB

CRANBERRY SAUCE WITH CARAMELIZED ONION

CHOCOLATE SOUFFLÉS WITH BROWN SUGAR

PREPPING PRODUCE - ARTICHOKES

REHEATING BREAD IN THE MICROWAVE

BANH MI

FAT FREE STOCK

ZESTER AS GRATER

RETRIEVING BOUQUET GAMI

BAKING PASTRIES PERFECTLY

NATURAL COPPER CLEANER

FOLDING WITH A WHISK

REMOVING FISH BONES

CHOPPING ONION QUICKLY

PREPARING PASTA AHEAD

APPLE WALNUT PANCAKES ROASTED FRESNO MAPLE SYRUP

Trade college loans for mortgage debt

“A new home-loan refinance program allows
borrowers to swap student loans for mortgage
debt at today’s low interest rates,” said Ann
Carrns in The New York Times. The program,
called the Student Loan Payoff ReFi, is offered
by nonbank lender SoFi and mortgage giant
Fannie Mae. It allows homeowners who have
student loans, or home-owning parents who
cosigned student loans with their children, to
refinance their mortgage and take out additional
home equity as cash to pay off student
debt. “The borrower is left with a new, larger
mortgage, but at a lower interest rate.” However,
borrowers with federal student loans
will lose protections like the option to defer
payments and the repayment programs that tie
monthly payments to income.

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10 WAYS TO SPRINGCLEAN YOUR FINANCES

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WE’VE FOUND THAT INTEGRITY

Coping with an uncertain world

Sorry, but this financial adviser is at a
loss for words, said Carl Richards in The
New York Times. After Donald Trump’s
shocking victory in the presidential election,
“I have no idea what to say about
the markets, investing, or budgeting.”
It’s not clear how a Trump presidency
will affect your home price, retirement
accounts, or plans to pay for college. But
I do know a thing or two about uncertainty,
which we all inevitably confront
when making decisions about money.
The key question is this: “What can you
control right now?” Make a list. Consider
anything not on your list “something
that may cause you anxiety” if you focus on it too much.
“A time of political shock isn’t a time for investing action,” said
Jason Zweig in The Wall Street Journal. Rattled investors are
being bombarded with advice about which stocks to buy and
sell under a Trump presidency. But “little is ever clear about an
incoming president,” especially this one. When President Obama
took office vowing to impose health-care regulations, you might
have expected health-care stocks to plummet. Instead they
“ended up resoundingly outperforming the rest of the stock market.”
President George W. Bush boosted military spending—a
clear signal to invest—but defense stocks lost 19 percent in 2001
and nearly 7 percent in 2002. “The only sensible step for investors
to take at a time like this is to do nothing.”
The truth is, there’s no way to
“Trump-proof” your portfolio, said
Walter Updegrave in Money.com.
“You’re better off setting a strategy
grounded in the things over which you
have the most control—how much
you save, how broadly you diversify,
[and] how much risk you take.” The
tried-and-true investing goal is to build
a portfolio that will give you a shot at
building a reasonable nest egg under
a variety of market conditions. Of
course, any plan you make will inevitably
rest on forecasts and assumptions,
which means you’ll want to
periodically check in and adjust your plans to ensure that you’re
still on track. But don’t stress yourself out trying “to predict the
Fed’s every move or attempting to outguess the markets.”
“The morning after the election, I woke up and started reviewing
my budget to figure out how to put more money in my
savings account,” said Tiffany Johnson in TheBillfold.com. I
work in education, and Trump’s proposed policies for my industry
have been varied and contradictory, not to mention the
president-elect’s potential impact on everything from my health
care to my retirement account. But I’ve found that taking “small,
tangible actions” is helping me combat my feelings of unease
and helplessness after the election. “I haven’t started building a
bunker (yet!), but I am preparing in the best way I know how.”

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IS COLLEGE CHOICE IMPORTANT?

WHY WOMAN DON'T ASK FOR RAISES

WHEN SALARIES ARE NO LONGER SECRET

APPLE AND SAMSUNG DUKE IT OUT

BOFA SETTLES MORTGAGE CLAIMS FOR $9.3B

YELLEN CONFIRMS CONTINUED LOW RATES

FBI TARGETS HIGH-FREQUENCY TRADING

EBAY PLANS TO SPIN OFF PAYPAL

CATCHING COUNTERFEIT GOODS ONLINE

AVOID COMMON INVESTMENT ERRORS

HOW TO PROTECT YOUR CREDIT CARDS

BUDGETING ANDMANAGING DAILY EXPENSES

PERSONAL FINANCE BASICS

10 WAYS TO SPRINGCLEAN YOUR FINANCES

BEST CREDIT CARDS

GET YOUR FREE GUIDE TO TAX-FREE MUNICIPAL BONDS

SOCIAL SECURITY'S MAGIC NUMBER

TAKE THE GUESSWORK OUT OF INVESTING

GET A HEALTH PLAN CHECKUP 

DRIVE DOWN YOUR CAR COSTS

10 FINANCIAL HEAVYWEIGHT

WORK NOW ON YOUR FINANCIAL GOALS

25 THINGS RICH PEOPLE WON’T TELL YOU

TOP SECRETS TO A RICHER RETIREMENT

FEDERAL AID FOR COMMUNITY COLLEGE

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THE RISKS OF MEDICAL CREDIT CARDS

ARE TAX INVERSIONS UNPARTRIOTIC?

WE’VE FOUND THAT INTEGRITY

The 2017 Nissan Titan

Autoblog.com
Nissan has fi nally remade its half-ton pickup,
and the fi nished product is “absolutely
impressive in many ways.” Fast, comfortable,
and equipped with an enviable array of
task-ready bed features, it will make many
owners of the original Titan very happy.
None will be surprised that the power train
is arguably the best feature. After all, “Nissan
is at its heart an engine company.” But
even with its “fantastic” 5.6-liter V-8, the
2017 Titan doesn’t appear ready to leapfrog
any of the segment’s best-sellers.
New York Daily News
The Titan’s beefi er sibling, the dieselpowered
Titan XD, remains a more distinctive
offering. The half-ton Titan “never lacks
for power,” though, and its reduced weight
produces “delightful steering feel.” That
seems appropriate for a pickup that’s “as
much a family hauler” as it is a workhorse.
Parents will appreciate the spacious crew
cab, the low step-in height, and clever childseat
latches. “Exceptionally comfortable”
front seats should make long hauls fl y by.
Car & Driver
But to win over Ford, Chevrolet, and Ram
buyers, Nissan needed to innovate. The
new Titan, clearly aiming at holding its
own, sits right at the midpack in its towing
hauling, and fuel economy ratings. In
a market where loyalty matters, though,
“simply matching the incumbents may not
be enough.”


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Nocturnal Animals

Fashion designer Tom Ford has
made his second feature film,
and it “makes a lot of noise
for a movie that doesn’t have
much to say,” said Will Leitch in
NewRepublic.com. Amy Adams
plays a rich gallery owner who
loses herself in a manuscript,
written by her novelist exhusband,
that relates a violent
tale of rape and revenge. Three
stories soon intertwine: the dissolution of the couple’s
marriage years earlier, the empty life that Adams’
character leads now, and the Texas-based story in the
novel. The results are “never dull” and “never not
gorgeous,” but the film’s attempt to merge pulp with
art commentary never comes
off. Adams and Jake Gyllenhaal
“do some real acting here,” said
Stephanie Zacharek in Time
.com. Gyllenhaal plays both the
ex and the protagonist of the
novel, a man whose wife and
daughter are assaulted by three
strangers in a nighttime highway
sequence that proves “the best in
the film—tense and beautifully
sustained.” But too much of the movie feels “glazed
and remote,” as if it weren’t even made by a human.
It’s ultimately “a coffee-table book of a nightmare,”
said Ty Burr in The Boston Globe. Though “easy to
admire,” it’s also “easy to close the cover on.”

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Fantastic Beasts and Where to Find Them

“What a relief to get away
from Hogwarts,” said Anthony
Lane in The New Yorker. J.K.
Rowling’s Harry Potter spinoff
introduces a new story, set
decades before Harry enrolled
at the storied school, and the
result is “a cunning and peppy
surprise.” Eddie Redmayne stars
as Newt Scamander, a wizard
who arrives in 1926 New York
to find and collect endangered magical beasts in
an enchanted suitcase. Redmayne overdoes Newt’s
shyness, but the rest of the cast is “sturdy,” and the
magic tricks Newt and friends toss off remind us
that wizardry is most compelling out in the world,
when it “clashes against the iron of ordinary lives.”
Unfortunately, Fantastic Beasts
“doesn’t really have a plot,” said
Dan Kois in Slate.com. Several
creatures escape Newt’s suitcase,
prompting a hunt through a city
awash in anti-wizard prejudice.
But Rowling has too many stories
and rules to establish for the
five-film franchise she’s launching,
and this entry gets bogged
down by exposition. The best of
the Harry Potter movies “benefited from screenplays
that combined sharp dialogue with strong dramatic
carpentry,” said Joe Morgenstern in The Wall Street
Journal. This “perfectly pleasant” movie does “little
more” than set the stage for a potentially enjoyable
franchise. “Here’s hoping for magical sequels.”

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Manchester by the Sea

Kenneth Lonergan’s third feature
in 17 years is “a staggering
American drama, almost
operatic in the heartbreak it
chronicles,” said A.A. Dowd
in AVClub.com. It wouldn’t be
nearly as powerful, though, if it
didn’t consistently make room
for the everyday headaches—like
a misplaced parked car—that
crop up in good times and bad.
The results are “almost unspeakably moving—and
at times, disarmingly funny.” Casey Affleck stars
as Lee Chandler, a handyman who’s nursing a deep
emotional wound when his brother dies and he
learns, after returning to his seaside hometown, that
his 16-year-old nephew is to be put in his custody.
Playing a man broken by past
tragedy, Affleck delivers “one
of the most fiercely disciplined
screen performances in recent
memory,” said A.O. Scott in The
New York Times. Even when
Lee makes a joke, “the force
of his pent-up emotion is terrifying.”
And Affleck’s co-stars
are nearly as fine, with Lucas
Hedges particularly good as
a teen trading loving jabs with his haunted uncle.
Michelle Williams is outstanding, too, “even by her
standards,” said Kenneth Turan in the Los Angeles
Times. Playing Lee’s ex, she doesn’t get many scenes,
but when she does, she shows “a level of fearlessness
and raw vulnerability that will tear your heart out.”

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Is life hiding in ice cauldrons on Mars?

Scientists have identified two funnelshaped
craters on Mars that may contain
water, heat, and nutrients—the ingredients
in the formation of life. The odd-looking
depressions—one in the Hellas Planitia
basin, the other in the Galaxias Fossae
region—were first spotted several years
ago, but researchers were only recently
able to analyze them in detail, reports
Astronomy.com. Using equipment that creates
a 3-D map from 2-D images, the team
from the University of Texas found that
both craters are shaped like funnels. The
Galaxias depression has debris around it,
indicating it was probably caused by an
asteroid impact. But the Hellas Planitia
crater has similar geological features to
the “ice cauldrons” found in Iceland and
Greenland, which form when underground
volcanic activity melts away surface ice.
If the same process occurred on the Red
Planet, the interaction of lava and ice
would have created an environment with
liquid water and chemical nutrients— fertile
ground for microbial life. The researchers
hope future missions to Mars will
explore the craters further. “These features
do really resemble ice cauldrons known
from Earth, and just from that perspective
they should be of great interest,” says
University of Iceland volcanologist Gro
Pedersen, who was not involved in the
study. So far, several missions to Mars
have yet to find any evidence of microbes,
though some scientists think it’s a matter
of looking in the right place.

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Twitter tries to drain the swamp

Twitter “may be getting serious about reclaiming
its platform from trolls,” said Charlie
Warzel in BuzzFeed.com. The social network
unexpectedly suspended accounts belonging
to prominent white nationalist and
alt-right users last week as part of a large
effort to rein in hate speech and harassment
on the site. The decision came just hours
after the company unveiled long-awaited
tools for combating online abuse, including
an expanded “mute” feature allowing
users to block specific words and offensive
phrases. The move was met with howls of
outrage from banned users. In a YouTube video, Richard Spencer,
the head of an alt-right think tank called the National Policy
Institute, declared that was he “alive physically, but digitally
speaking, there has been execution squads across the alt-right.”
Twitter’s crackdown comes amid a rising tide of online hate
speech, said Jessica Guynn in USA Today. An October report
from the Anti-Defamation League found that more than
2.6 million tweets with anti-Semitic language were sent between
August 2015 and July 2016, many directed against journalists
covering Donald Trump. The neo-Nazi website The Daily
Stormer recently published a list of more than 50 Twitter users
who expressed fear about a Trump presidency, “urging its readers
to ‘punish’ them with a barrage of tweets that would drive
them to suicide.”

Plenty of folks within the alt-right community
are loudly complaining that Twitter’s
actions are “blatant censorship,” said Cale
Guthrie Weissman in FastCompany.com.
Many of the banned users appear to have
taken up residence on Gab, a new alt-right
social network that works like a combination
of Twitter and Reddit. Some are even
using it to coordinate anonymous harassment
campaigns on Twitter in retribution
for the company’s actions. Gab’s Trumpsupporting
founder, Andrew Torba, who
was kicked out of a Silicon Valley startup
incubator for violating its anti-harassment policy, says companies
have no right to decide what’s harassment and what isn’t. “Hateful
and harassment are subjective terms,” he says.
“Twitter is acting wholly within its rights,” said David Frum
in TheAtlantic.com. But I still think it’s making a mistake. The
perception of “arbitrary and one-sided speech policing” is exactly
what drives so many young men toward radical, alt-right beliefs
in the first place. Let’s not turn “loudmouths and thugs” into free
speech martyrs. That’s why Twitter needs to be transparent about
what kind of behavior merits a ban, said Will Oremus in Slate
.com. Right now, the company doesn’t discuss specific tweets,
even with the user being suspended. More transparency won’t
insulate Twitter from criticism, “but it would at least give the
company a stronger claim to the high ground.”

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Genius Uses for Your Microwave

BY KELSEY KLOSS

■ OUTSMART ONIONS To avoid
crying when chopping, wash an
onion, trim its ends, and microwave
for 30 seconds before cutting. You
tear up because the knife damages
the onion’s cells, releasing sulfuric
gas that irritates the eyes. Heating
the onion first breaks apart enzymes
that trigger the gas release.
■ COOK CRISPIER BACON Place a
bowl upside down on a plate. Drape
bacon strips over the bowl, then
microwave for one minute for each
slice of bacon you are heating. As
grease drips onto the plate, the bacon
will get mouthwateringly crispy.
■ FROTH MILK Skip the expensive
cappuccino machine. Pour milk
into a Mason jar, no more than half
full (to leave room for foam). Screw
on the lid, and vigorously shake for
30 to 60 seconds. The milk will turn
to froth. Remove the lid, and microwave
for 30 seconds so the foam
rises. Pour into your favorite coffee.
■ CONCOCT FRENCH TOAST Care
for a five-minute brunch? Rub a pat
of butter on the bottom of a mug; fill
it to the top with chopped bread. In
a separate cup, mix one egg, three
tablespoons of milk, and a sprinkle of
cinnamon. Pour the mixture into the
mug, and microwave for one minute.
■ FLAVOR BUTTER Try a twist on
classic bread and butter. Microwave
one stick of cubed, unsalted butter
for 30-second intervals, until melted.
Add a pinch of salt and fresh leaves
of herbs such as thyme, sage, or rosemary.
Continue heating in 30-second
intervals until fragrant. Drizzle it on
bread for an earthy, savory flavor.

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Meryl Streep: Why Hollywood scorns Trump

“Thank you, Meryl Streep,” said Emily Willingham
in Forbes.com. Accepting the Cecil B.
DeMille award at this week’s Golden Globes,
the screen legend spoke for millions of
Americans by delivering a heartfelt and
brilliant attack on Donald Trump’s
xenophobia and crass insensitivity.
Streep began by defending so-called
Hollywood elites, noting her industry
is filled with regular working people
and “crawling with outsiders and
foreigners.” If the president-elect kicks
them all out, she said, “you’ll have nothing
to watch but football and mixed
martial arts.” She took particular aim
at Trump’s flailing-armed mockery of
disabled New York Times reporter Serge
Kovaleski, suggesting Trump’s “instinct
to humiliate” the less powerful has
given his followers permission “to do
the same thing.” Predictably, Trump
lashed back with a nasty tweetstorm, calling the
three-time Oscar winner “one of the most overrated
actresses in Hollywood.”
Outside her congregation, Streep’s sanctimonious
sermon “was a dud,” said Mollie Hemingway
in TheFederalist.com. She made an impassioned
plea for empathy—while scorning millions of
Americans who happen to like football and
mixed martial arts. Her entire speech dripped
with condescension, but then, so did the candidate
she supported, Hillary Clinton, who
called Trump supporters “deplorables.” Is it
any wonder so many voted for Trump as an
act of defiance? “Did Hollywood
really not get the point of this
election?” asked Kelly Riddell in
The Washington Times. Apparently
not. It wasn’t just Streep—the
whole Golden Globes show was a parade of
Trump bashing by liberal celebrities whose
smug opinions mean “nothing to the general
public.” This election proved that
actors may be able to sell cars, makeup,
and perfume, “but they can’t sell their
ideology.”
I wish that were true, said David French in
NationalReview.com. Politically, Democrats
are weaker than they’ve been in
generations. But liberals are winning
the culture. With Hollywood leading
the way, “irreligiosity is rising,” the family
is collapsing, and young people are being educated
to view their nation “not as a flawed but
indispensable beacon of freedom, but rather as a
bigoted oppressor.” Trump is not a triumph over
Hollywood. In many ways, he is Hollywood—a
towering celebrity with multiple marriages and
selfish, secular values. “Laugh all you want at
Streep, conservatives. When it comes to the things
that truly matter, she’s winning, we’re losing, and
Donald Trump isn’t going to turn the tide.”


Farewell to the reformists’ ally

The funeral this week of former Iranian
president Ayatollah Akbar Hashemi
Rafsanjani grew into a “rare display
of public dissent,” said Saeed Kamali
Dehghan in The Guardian (U.K.). More
than 2 million mourners turned out as
Rafsanjani, who died of heart failure at
age 82, was buried in the mausoleum
of his close friend Ayatollah Ruhollah
Khomeini—the revolutionary leader
who overthrew Iran’s shah in 1979.
Many of the mourners wore green
wristbands, symbolizing the pro-reform
Green movement, and they chanted the
names of opposition leaders under house
arrest. Other mourners shouted anti-Russian slogans, reflecting
the Iranian people’s discontent with the war in Syria, where Iran
is allied with Russia in support of the brutal Syrian regime. As
the procession passed, Rafsanjani’s daughter, Faezeh Hashemi, a
women’s rights and reform advocate who was jailed during the
Green protests in 2009, flashed the crowd a victory sign, a gesture
“seen as an indication of her continued support for change.”
Iran’s reformists know they have lost their most powerful ally in
Rafsanjani, said Omid Khazani in AlJazeera.com. As president
from 1989 to 1997 he was a ruthless figure, suppressing dissent
by authorizing the execution of several prominent liberals and
leftists. Yet over the decades he became a kind of grandfather figure
for reformers. An advocate of artistic freedom and women’s
rights, he ran again for president in 2005 but lost to the hardliner
Mahmoud Ahmadinejad, whom he openly criticized. After
the Guardian Council refused to let him run in 2013, Rafsanjani
picked an unknown, Hassan Rouhani,
to run on a slogan of “moderation
and prudence.” Rouhani won
that vote. But without his powerful
backer, he and other reformists could
soon be pushed aside by hard-liners.
The nuclear deal with the U.S. and
other major world powers could be
the first casualty, said Kim Sengupta
in Independent.co.uk. Hard-liners
have long chafed at the 2015 deal,
which required Iran to destroy many
of its uranium-enrichment centrifuges,
and give up the ability to produce
weapons-grade plutonium, in exchange for sanctions relief.
They are now “claiming that President Rouhani was tricked into
the deal by treacherous America,” and if an incoming President
Donald Trump were to put new sanctions on Iran, these hardliners
could well scrap the deal altogether. Even before that, their
criticism and the loss of Rafsanjani could ensure that Rouhani
loses his bid for re-election in May.
For now, though, Iran mourns, said Hamidreza Jalaipour in
Sharq (Iran). Rafsanjani was the one person who had everyone’s
trust. As chair of the Expediency Council, he “played the role
of a bridge between the two sides of the government,” resolving
disputes between the reformist-dominated legislature and the
hard-line Guardian Council. It is largely “thanks to him that the
Islamic Republic is not entirely a theocracy.” Deprived now of
his calm and wise mediation, we can only hope that the various
forces in Iran find a new way to talk to one another.


It’s wrong to pardon this murderer

Robert Redeker
Le Figaro

François Hollande has made yet another terrible
decision, said Robert Redeker, only this time the
public and the media are applauding him for it.
The French president recently granted a pardon to
Jacqueline Sauvage, a woman serving 10 years in
prison for murdering her husband. She’d endured
47 years of horrific abuse at the hands of her
alcoholic husband, who also raped her and their
three daughters and abused their son. In 2012,
the day after their son hanged himself, Sauvage,
who is now 69, shot her husband three times in
the back with his own rifle. The judges convicted
her of murder in 2014, and the sentence was
upheld on appeal in December. It was the legally
correct decision, but to satisfy an outraged public,
Hollande overturned the judges’ verdict by resorting
to a seldom-used presidential pardon. Where
does this end? Will the president now pardon the
tobacconist Luc Fournié, 59, who shot dead a
17-year-old robber? No one is shedding tears for
Fournié—the young delinquent he killed is being
treated as the real victim “in spite of all reality
and common sense—yet he, too, could claim
extreme provocation. The key point is that it’s
not the public’s business to decide which crimes
committed in self-defense are good and which are
bad. That is precisely why we have the law and
legal professionals in the first place.


Peace at risk in Northern Ireland

Siobhan Fenton
Independent.co.uk

Is the government intent on alienating Northern
Ireland? asked Siobhan Fenton. You’d think so
from its total lack of concern, ever since the Brexit
vote, for the way its actions affect local sensibilities.
This is a region striving to cement peace after
decades of sectarian conflict between Protestant
Unionists, who want to stay part of Britain, and
Catholic Nationalists, who want to reunite with
the Republic of Ireland. Yet only last month Communities
Secretary Sajid Javid was suggesting that
all public sector workers in the U.K. be made to
swear an oath to British values. In Northern Ireland
few things could be more divisive—except
perhaps the erection of a “deeply controversial
physical border” between the North and the
Republic, which will remain a member of the
European Union after the U.K. leaves the bloc.
Yet some six months after the Brexit vote, we’ve
still not been told whether such a border is in the
cards. And now Theresa May looks set to push on
with plans to withdraw from the European Convention
on Human Rights, even though that would
threaten the human rights upon which the North’s
peace deal was founded. “In her bid to make her
party the champion of Little Englanders,” May is
putting Northern Ireland’s fragile peace at risk.


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