ReportWire

Tag: Internet

  • Switching Your Credit Card May Not Stop a Streaming Service’s Recurring Charges

    Switching Your Credit Card May Not Stop a Streaming Service’s Recurring Charges

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    Millions of Americans pay for streaming services, doling out anywhere from $5 to $75 a month. It’s a common belief that you can get out of recurring charges like this by switching your credit card. The streamers won’t be able to find you, and your account will just go away, right? You wouldn’t be crazy for believing it, but it’s a myth that switching a credit card will definitely stop your recurring charges.

    Nearly 46% of Americans opened a new credit card last year, according to Forbes, which means millions of Americans also canceled old ones. When you switch cards, these streaming services don’t just stop your service — they just start charging your new card. Granted, it might be easier to just cancel your subscription directly with a streamer like Netflix. There’s a largely hidden service that enables most subscription services to keep throwing charges at you indefinitely.

    “Banks may automatically update credit or debit card numbers when a new card is issued. This update allows your card to continue to be charged, even if it’s expired,” Netflix says in its help center, though it’s not alone in this feature.

    Most major card providers offer a feature that enables this, including Visa. In 2003, Visa U.S.A. started offering a new software product to merchants called Visa Account Updater (VAU), according to a 2003 American Banker article. The service works with a network of banks to create a virtual tracking service of Americans’ financial profiles. Whenever someone renews or switches a credit card within their bank, the institution automatically updates the VAU. This system lets Netflix and countless other corporations charge whatever card you have on file. It’s a seamless switch that allows the dollars to keep flowing toward corporate America, while you don’t have to lift a finger.

    “Visa understands the challenges faced by merchants when it comes to staying on top of account information changes,” Visa say in marketing materials to corporations. “VAU delivers updated cardholder account information in a timely, efficient, and cost-effective manner, benefiting all parties involved in the electronic payment process.”

    VAU was an instant success, quickly adopted by banks and corporations around the world. Visa’s service follows you whenever your issuer switches between any major credit card provider, whether it’s Discover, Mastercard, or American Express. However, if you close out an account entirely, or change to a different credit card provider yourself, the VAU will simply list your account as being closed.

    Some customers of Visa’s tracking service include Netflix, Amazon, Facebook, Google, and Disney, according to a 256-page list of the software’s adopters from 2022. VAU allows merchants to keep customers roped into their subscription services, but Visa also argues it helps customers.

    “Visa Account Updater (VAU) was built to help ease the burden on consumers of inputting a new account number and expiration date in recurring subscriptions,” said a Visa spokesperson in a statement to Gizmodo.

    Visa’s not entirely wrong about this. If your electricity or internet bill is tied to your credit card, you could be in a real bind if you forget to update your new card. However, practices like these can also keep people bound in endless cycles of payments that follow them everywhere.

    “The issuing bank determines whether to provide updated card information or to provide a closed account or contact cardholder advice through VAU,” said the spokesperson. “VAU only provides information to merchants at the direction of the issuing financial institution and only for merchants where the cardholder has already stored their payment credentials.”

    Origins of the Myth

    Before services like VAU popped up, switching your credit card was a pretty surefire way to get out of recurring charges, whether you wanted to or not. When Bank of America adopted VAU in 2003, it described the product as a solution for billing changes that had once left merchants with “unappealing choices.”

    “One would be that the merchant would shut off the customer’s service,” said a Bank of America executive in a 2003 press release. “Another would be that the merchant would continue the service but send the customer a nasty letter.”

    So VAU really came about with the onset of the internet. Practices like this have become increasingly popular in the Internet age. Subscription services have become easier to start, but increasingly difficult to stop. Recurring charges can truly follow you to the ends of the Earth unless you outright contact the company to stop them.

    Why It’s Pervasive

    Visa’s Account Updater is only really marketed to businesses, so most consumers have no idea it exists. I’d bet most people have no idea there’s a way to opt out of Visa’s credit card tracking service, and even fewer know they’re default opted in. It’s largely a hidden service to the average person, with no clear indicator from your bank or subscription service that you’re being tracked in this way.

    Credit cards are also widely regarded as a more anonymous way to move through the financial world. While they typically are more secure than using a debit card, make no mistake, banks are still tracking your every move. The VAU just allows them to coordinate with corporations to keep your financial information constantly up to date.

    The VAU undoubtedly offers some benefits to consumers. However, it’s important to understand why. The system reduces “churn” for corporations, and ensures you can keep paying them your dollars no matter what’s going on in your financial world. Banks make it effortless to keep paying these recurring charges. However, stopping them can be much harder. If you really want to stop a subscription, there’s still no substitute for calling up the company and canceling.

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    Maxwell Zeff

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  • Essex crash victim medflighted to Boston

    Essex crash victim medflighted to Boston

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    ESSEX — A crash on Apple Street in Essex over the weekend resulted in the driver being transported via medical helicopter to a Boston area trauma hospital.

    The crash, which took place near 129 Apple St. around 1:17 p.m. Saturday, involved a single SUV in which the driver was the sole occupant, according to the Essex Fire and Police Department. The driver crashed his black SUV into a stone wall off Apple Street, said police chief Paul Francis, who did not release the man’s name.

    Firefighters used struts to stabilize the SUV before removing the driver. The driver was then transported by Beauport Ambulance paramedics to a Boston Medflight helicopter waiting at Shepard Memorial Park off Martin Street.

    On Monday, fire Chief Ramie Reader said rescue personnel took only moments to transport the victim to Shepard Memorial Park for the emergency helicopter transport. Medflight helicopters typically use Shepard Memorial Park as a staging area, police said. The park is adjacent to Town Hall on Martin Street.

    Reader said he did not know the condition of the driver, and that the crash is still under investigation.

    “At this time, we don’t know how it happened,” he said.

    “Essex Police and Massachusetts State Police investigated the crash,” Francis said.

    Stephen Hagan can be reached at 978-675-2708 or at shagan@northofboston.com.

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    By Stephen Hagan | Staff Writer

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  • Moulton looking to serve another term in Congress

    Moulton looking to serve another term in Congress

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    BOSTON — Democratic Rep. Seth Moulton is seeking a sixth term in Congress, touting accomplishments in Washington that he says have roped in tens of millions of dollars in federal funding for his district, and pledging to work to bolster national security, and push for immigration reform and reproductive rights.

    Moulton filed paperwork with the Secretary of State’s Office on Thursday to run for reelection in the 6th Congressional race, which includes most of Essex County along with eight towns in Middlesex County. His campaign turned in more than 3,400 signatures from voters to qualify for the November ballot.

    If reelected to another two-year term, Moulton said he plans to work on protecting reproductive rights, push to modernize public transportation — including high speed rail, improve mental health care, and bolster national security amid increasing military threats from Russia and China.

    “We need a national China strategy,” said Moulton, who serves on a special House subcommittee on China. “We need to better manage competition, but most of all to succeed in deterrence. It’s critical that we succeed on deterrence.”

    Moulton, 45, said he also plans to focus on immigration reform, as Massachusetts wrestles with a surge of asylum seekers that have overwhelmed the state’s emergency shelter system and forced the state to allocate hundreds of millions of dollars amid a lack of funding from Congress and the Biden administration.

    “We need bipartisan immigration reform. Everyone knows the border is a mess,” Moulton said. “We need to do a lot more to discourage illegal immigration while encouraging people to come in through the proper pathways.”

    He touts his accomplishments in Congress, from pushing through legislation creating a new 988 nationwide suicide hotline to improving mental health care for active duty military service members and making ALS disability insurance “more comprehensive and accessible.”

    His reelection bid comes as a record number of congressional lawmakers have stepped down amid partisan bickering and redistricting changes in their home states. In the 118th Congress, at least 48 House members have departed or announced plans to leave Congress, about 11% of the lower chamber.

    Moulton, a former Marine captain, stresses his record of working with Republicans to get things approved by Congress, but says he won’t shy away from a fight.

    “Marines run toward the fight,” said Moulton, who served four combat tours of duty in Iraq. “There are problems and we’ve got to fix them. We have the best government in the world, but it needs a lot of work.”

    Moulton was first elected to Congress in 2014, after toppling nine-term incumbent Democratic Rep. John Tierney and beating Republican Richard Tisei with 55% of the vote in the general election. He has won reelection four times, sometimes with opposition.

    In the 2022 elections, he easily defeated Republican Bob May of Peabody and Mark Tashjian of Walpole, who was running as a Libertarian candidate.

    Moulton said he’s expecting a challenger in the Sept. 3 Democratic primary, but it isn’t clear how many candidates will jump into the congressional race.

    Nathaniel Mulcahy, a Rockport Democrat, pulled nomination papers to challenge Moulton, but hadn’t turned them in as of Thursday afternoon. The deadline to file paperwork to run is June 4, according to the Secretary of State’s Office.

    So far this election cycle, Moulton has raised close to $3.8 million, according to his campaign and Federal Election Commission filings. In the first quarter of 2024 alone, he raised $1.5 million, primarily for other Democratic candidates in congressional races.

    While the control of Congress will be up for grabs in the November elections, when voters will also choice a president, deep-blue Massachusetts isn’t of the competitive battleground states.

    All 11 members of the state’s current congressional delegation are Democrats, and the party has a 3 to 1 voter registration advantage over Republicans.

    The 6th Congressional District, which was once considered a competitive seat, hasn’t been held by a Republican in nearly three decades.

    Peter Torkildsen, who represented the 6th District from 1993 to 1997, lost the seat to Tierney in the November 1996 election by a razor-thin, 371-vote margin that took a month of recounts to finalize. He challenged Tierney two years later in what was described as a grudge match, but he failed to win back the seat.

    Christian M. Wade covers the Massachusetts Statehouse for North of Boston Media Group’s newspapers and websites. Email him at cwade@cnhinews.com.

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    By Christian M. Wade | Statehouse Reporter

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  • New Moon Coffeehouse hosts folk duo

    New Moon Coffeehouse hosts folk duo

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    HAVERHILL — The award winning duo of Aubrey Atwater and Elwood Donnelly will perform at the New Moon Coffeehouse on May 18 at 7:30 p.m.

    The coffeehouse at the Universalist Unitarian Church, 15 Ashland St. Admission is $25 at the door, and $15 for ages 21 and under.

    Tickets are available at the door starting about6:30 p.m. Doors open at 7 p.m. Tickets may be reserved prior to the show by visiting newmooncoffeehouse.org.

    Atwater and Elwood present delightful programs of traditional American and Celtic folk songs and percussive dance, blending harmonies and playing an array of instruments, including guitar, Appalachian mountain dulcimer, mandolin, tin whistle, harmonica, banjo, and other surprises, including a thrilling interpretation of freestyle Appalachian clog dancing.

    Married since 1989, the due performs widely in the United States and abroad. Their 14 recordings receive international airplay and streaming.

    The nonprofit New Moon Coffeehouse is an all-volunteer organization dedicated to supporting and enjoying the creative talents of acoustic performers.

    It strives to bring you the best performers in a relaxing, friendly, smoke- and alcohol-free environment, where you can enjoy a great show, fair trade coffee, and desserts.

    The entrance is on Ashland Street, at the back of the UU church. Two parking lots are available behind the church, on both sides of Ashland Street. Street parking is also available.

    Garden Club plant sale

    HAVERHILL — The Haverhill Garden Club will hold its annual plant sale from 8 a.m. to sell out May 18 on the Bradford Common.

    The sale will feature a variety of annuals, perennials, herbs, and vegetable plants. Patrons can have their garden tools sharpened for a nominal fee.

    The event will also feature a wheelbarrow raffle of gardening supplies and free on-site soil testing. Patrons interested in having their soil tested can visit online at tinyurl.com/37tnjppn.

    Proceeds from the plant sale fund civic garden projects around the city, guest lecturers at the public library, and three education scholarships for students pursuing degrees in the agricultural sciences.

    The club also invites members of the public to donate any extra plants from their yards and gardens. To request digging assistance or to arrange for a pick up of your donated plants, contact club member Dustin MacIver at tel:978-810-0337 or email DustinMacIver@gmail.com.

    YMCA Legacy Gala planned

    HAVERHILL — The Haverhill and Plaistow Community YMCAs will hold their 2024 Legacy Gala at 5 p.m. May 11 at the Bradford Country Club.

    Proceeds support the fight against food insecurity, summer camp and educational programming for families in need of financial assistance.

    Tickets are $150 each and include a surf and turf dinner, a signature cocktail, a raffle, auction, and more. The online auction goes live April 26. A link will be posted April 24 on the Y’s Facebook pages and on its website.

    For tickets or sponsorship information, visit online at one.bidpal.net/2024legacygala/welcome. To donate to the online auction, contact Tracey Fuller at fullert@northshoreymca.org.

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    By Mike LaBella | mlabella@eagletribune.com

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  • How To Create AI Images on Midjourney

    How To Create AI Images on Midjourney

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    There are plenty of apps you can turn to to generate pictures using artificial intelligence. Still, Midjourney remains one of the best and one of the most popular options, having launched in beta form in July 2022.

    It’s not free to use: The price of admission starts at $10 a month or $96 a year, which gives you 3.3 hours of image generation time per month (images usually take around a minute to render). However, the quality of the end result may well tempt you into a subscription if you need a lot of AI art.

    Assuming you’re ready to sign up (for a month at least), here’s how to get started with Midjourney—the commands you need to know, how to save and browse your images, and some of the capabilities of the generative AI tool.

    Getting started

    Midjourney works through Discord: You can join the Midjourney channel here, and you’ll need to sign up for a (free) Discord account if you don’t already have one. The next steps involve two bits of admin—agreeing to the Midjourney terms of service and signing up for one of the Midjourney subscription tiers. You’ll get a neat little table outlining the differences between each tier.

    Midjourney does a decent job of explaining how everything works with all that out of the way. Unless you’re on one of the more expensive plans, you’ll be writing your prompts and getting your images through a channel that’s open to other users, so don’t be shy—it actually works well for getting inspiration from what other people are doing, and seeing what’s possible with the AI engine.

    The on-boarding process is straightforward.
    Screenshot: Midjourney

    To begin with, you’ll need to get involved in one of the #newbie channels, which are clearly linked on the left of the web interface. Click to jump to any one of them and see what’s happening—look at how different art styles are described to get different results, from “abstract expressive” to “hyper-realistic” and everything in between.

    The other online location you need to know about is the official Midjourney website. While all of your image generation is done on Discord, this website is where you can find an archive of all the pictures you’ve made and browse through some of the other artwork that’s proving popular on the Midjourney network. From here you’re also able to read about updates to Midjourney.

    Writing prompts

    Head to a #newbie channel, type “/imagine” followed by a space, and you’re ready to start prompting. If you’ve never used an AI image generator before, describe what you want to see: You can be as creative as possible, putting any kind of person or object in any kind of setting and using any kind of artwork style.

    As usual with generative AI tools, the more specific and precise you can be, the better. However, you can be vague if you want to (it’s just less likely you’ll get something close to what you were imagining). See a watercolor of an elephant in a boat, or a photo of an apple on a table, it’s up to you.

    Type your prompts into one of the newbie channels.

    Type your prompts into one of the newbie channels.
    Screenshot: Midjourney

    After a few moments of thinking, you’ll get four generated images based on your prompt—if you want Midjourney to try again, click the re-roll button (the blue-and-white circle of arrows). If you like one of the images more than the others, you can click one of the V1V4 buttons to see four variations on it (the images are numbered from left to right and from top to bottom).

    Click on any of the U1U4 buttons to take a closer look. Here, you get access to some editing features: You’re able to create new variations on all or just part of the image, zoom out on the image (and have AI fill out the canvas), or extend the image in any direction using the four arrow buttons. Click on any image to see it in full-size mode, then right-click to save it somewhere else.

    Going further

    You can add a variety of parameters to your prompts, and there’s a full list here. They can be used to change an image’s aspect ratio, create images that will tile, or create more varied results, for example. So, if you need a wide rather than square picture, you might append “—aspect 16:9″ to the end of your prompt.

    Also worth knowing about are the parameters “—cref” and “—sref”, both of which can be followed by a URL pointing at an image. Use the former (character reference) to show Midjourney a character you want to use in your pictures and the latter (style reference) to show Midjourney the style that you’d like your pictures to look like.

    The Midjourney website collects all of your images.

    The Midjourney website collects all of your images.
    Screenshot: Midjourney

    There are also a couple of other commands that you can use instead of “/imagine” on Discord. Use “/describe” to get Midjourney to return a text prompt based on an image you supply or “/blend” to have Midjourney combine up to five different images into something new. You can point to images on the web or upload them from your device.

    Head to the Midjourney website to find all of your pictures and to download them whenever necessary—eventually, you’ll be able to generate images from here too, but the feature hasn’t been fully launched yet. You can use the filters on the right to sift through the artwork you’ve created, and it’s also possible to download multiple images at the same time or sort them into custom folders if required.

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    David Nield

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  • ‘Fallout but in Excel’ Lets You Visit the Wasteland While Your Boss Thinks You’re Working

    ‘Fallout but in Excel’ Lets You Visit the Wasteland While Your Boss Thinks You’re Working

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    Image: Bethesda/Excel

    If you thought that Excel spreadsheets were just for mind-numbing office work, think again. A gaming hobbyist has created an Excel-based RPG game that he based on the popular post-apocalyptic game Fallout. It’s the end of the world, all over again.

    How do you turn spreadsheet software into a video game? Don’t ask me because I have less than zero idea. That said, the game’s creator, YouTuber “Dynamic Pear,” has offered a quick tutorial on how to use his weird, makeshift game that was developed via everybody’s least favorite office software.

    On his website, “Pear” gives a brief description of the game’s story like so:

    It is the 145th year of the second age. Life in Mercer is unrecognisable to that which came earlier – The bombs saw to that. Humanity may never fully recover…Adventure beckons once more, and you are ready to answer its call!

    The YouTuber explains that his game has two components: “Mapping and Questing” and “Battling.” You can move through the various areas of the bombed-out RPG environment…

    Image for article titled 'Fallout but in Excel' Lets You Visit the Wasteland While Your Boss Thinks You're Working

    Screenshot: YouTube/Dynamic Pear

    …or you can duel with the various characters you encounter along the way.

    Image for article titled 'Fallout but in Excel' Lets You Visit the Wasteland While Your Boss Thinks You're Working

    Screenshot: YouTube/Dynamic Pear

    The website also offers more details about the various quirks of the gameplay and includes a link where you can download the game.

    The inspiration behind this creation, Fallout, is a popular post-apocalyptic video game that takes place after a nuclear war. The first version of it was originally released in 1997 and was playable on Mac, Windows, and MS-DOS. It was originally spawned by a previous 1988 game, dubbed Wasteland. Since then, there have been four sequels and a number of spinoffs. But the big reason we’re seeing this now is that the Amazon Prime Video TV series based on the games has exploded in popularity and inspired people to head back to the experiences that started it all. In this case, someone made a new experience just for you.

    Anyway, if you’re looking to make your workday slightly more interesting and you don’t have access to the Eggman Game, my suggestion would be to check out Dynamic Pear’s interesting creation. It’s probably the most fun you’ll ever have with spreadsheets.

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    Lucas Ropek

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  • State grant money to pay for green projects

    State grant money to pay for green projects

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    BOSTON — Nearly 100 cities and towns are sharing more than $11.8 million in state funding aimed at helping them reduce their energy usage and greenhouse gas emissions that are contributing to climate change.

    The state Department of Energy Resources is distributing the money to local governments through its Green Communities program, which provides funds for energy efficiency and renewable energy projects aimed at helping the state meet its ambitious goal of reaching net-zero carbon emissions by 2050.

    Several communities north of Boston will be getting a piece of the latest round of grant funding disbursements, according to a new report to the Legislature.

    Gloucester is getting $144,311 in grant money; Ipswich is getting $167,500; and Wenham is slated to receive $50,000, according to the state agency.

    The grants will pay for myriad projects, including the acquisitions of hybrid police cruisers, battery-electric vehicles and electric vehicle charging stations.

    Other projects include ventilation system upgrades, weatherization, and de-carbonization of schools, municipal buildings and facilities.

    Combined, the projects are estimated to produce energy savings of more than 31,000 MMBTUs, or roughly the same amount of energy consumed by more than 240 households, according to the state agency.

    When completed, the projects are expected to reduce greenhouse gas emissions by 1,897 metric tons every year — equivalent to taking 383 cars off the road.

    The Merrimack Valley Planning Commission is getting a nearly $64,000 grant for work on reducing energy consumption and costs, pollution and the development of renewable energy and alternative energy.

    Meanwhile, Manchester-by-the-Sea, Ipswich, Andover, Haverhill and Methuen will each be getting $15,000 Municipal Energy Technical Assistance grants from the state to cover the cost of green projects ranging from decarbonization of buildings to energy storage.

    About 290 cities and towns, accounting for about 89% of the state’s population, have been awarded a “green community” designation by the state agency.

    Since 2010, the state agency has awarded more than $177 million in Green Communities grants, according to the Baker administration.

    To qualify for funding, cities and towns must commit to reducing their energy consumption by 86,875 MM BTUs over the next five years.

    That’s equivalent to the energy use of 673 homes, or taking 1,222 gas-powered cars off the road, according to the agency.

    Massachusetts is required under a state law to meet ambitious benchmarks to reduce greenhouse gas emissions to “net zero” over 1990s levels by 2050.

    A climate change bill signed by then-Gov. Charlie Baker in 2022 requires the state to meet incremental goals every five years to reach a 50% reduction in emissions by 2030 before meeting the 2050 goal.

    The plan calls for expanding the use of wind power, solar and hydropower, as well as continuing to reduce overall energy usage and reliance on fossil fuel sources to keep the lights turned on and heat and cool the state’s homes and buildings.

    The state is also working to improve energy efficiency through the Mass Save program, which is funded by a surcharge tacked onto energy bills and proceeds from the Regional Greenhouse Gas Initiative, a cap-and-trade system aimed at reducing emissions from power plants.

    The fees drum up about $2 billion a year, which helps pay for home efficiency audits and other programs to reduce energy consumption.

    Christian M. Wade covers the Massachusetts Statehouse for North of Boston Media Group’s newspapers and websites. Email him at cwade@cnhinews.com.

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    By Christian M. Wade | Statehouse Reporter

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  • State grant money to fund green projects

    State grant money to fund green projects

    [ad_1]

    BOSTON — Nearly 100 cities and towns are sharing more than $11.8 million in state funding aimed at helping them reduce their energy usage and greenhouse gas emissions that are contributing to climate change.

    The state Department of Energy Resources is distributing the money to local governments through its Green Communities program, which provides funding for energy efficiency and renewable energy projects aimed at helping the state meet its ambitious goal of reaching net-zero carbon emissions by 2050.

    Several communities north of Boston will be getting a piece of the latest round of grant funding disbursements, according to a new report to the Legislature.

    Gloucester is receiving $144,311 in grant money; Ipswich is getting $167,500; and Wenham is slated to receive $50,000, according to the state agency.

    The grants will pay for myriad projects, including the acquisitions of hybrid police cruisers, battery-electric vehicles and electric vehicle charging stations.

    Other projects include ventilation system upgrades, weatherization, and decarbonization of schools, municipal buildings and facilities.

    Combined, the projects are estimated to produce energy savings of more than 31,000 MMBTUs, or roughly the same amount of energy consumed by more than 240 households, according to the state agency.

    When completed, the projects are expected to reduce greenhouse gas emissions by 1,897 metric tons every year – equivalent to taking 383 cars off the road.

    The Merrimack Valley Planning Commission is receiving a nearly $64,000 grant to reduce energy consumption and costs, pollution and the development of renewable energy and alternative energy.

    Meanwhile, Andover, Haverhill, Methuen, Manchester-by-the-Sea and Ipswich will each get $15,000 Municipal Energy Technical Assistance grants from the state to cover the cost of green projects ranging from decarbonization of buildings to energy storage.

    About 290 communities, accounting for about 89% of the state’s population, have been awarded a “green community” designation by the state agency.

    Since 2010, the state agency has awarded more than $177 million in Green Communities grants, according to the Baker administration.

    To qualify for funding, communities must commit to reducing their energy consumption by 86,875 MM BTUs over the next five years. That’s equivalent to the energy use of 673 homes, or taking 1,222 gas-powered cars off the road, according to the agency.

    Massachusetts is required under a state law to meet ambitious benchmarks to reduce greenhouse gas emissions to “net zero” over 1990s levels by 2050.

    A climate change bill signed by then-Gov. Charlie Baker in 2022 requires the state to meet incremental goals every five years to reach a 50% reduction in emissions by 2030 before meeting the 2050 goal.

    The plan calls for expanding the use of wind power, solar and hydropower, as well as continuing to reduce overall energy usage and reliance on fossil fuel sources to keep the lights turned on and heat and cool the state’s homes and buildings.

    The state is also working to improve energy efficiency through the Mass Save program, which is funded by a surcharge tacked onto energy bills and proceeds from the Regional Greenhouse Gas Initiative, a cap-and-trade system aimed at reducing emissions from power plants.

    The fees drum up about $2 billion a year, which helps pay for home efficiency audits and other programs to reduce energy consumption.

    Christian M. Wade covers the Massachusetts Statehouse for North of Boston Media Group’s newspapers and websites. Email him at cwade@cnhinews.com.

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    By Christian M. Wade | Statehouse Reporter

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  • Enrollment rising for Medicare savings programs

    Enrollment rising for Medicare savings programs

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    BOSTON — The number of senior citizens enrolled in the state’s Medicare savings programs has increased since eligibility was expanded to help more beneficiaries pay for health care premiums and prescription drugs.

    There were 138,313 people enrolled in the state’s federally funded programs as of June, according to the latest data from the state Department of Public Health, which administers the programs.

    That includes 17,045 new seniors and disabled beneficiaries who enrolled in June under changes that expanded who qualifies for the programs.

    The state has several Medicare savings programs – Qualified Medicare Beneficiary, Specified Low-Income Medicare Beneficiary and Qualifying Individual program – that pay some or all of beneficiaries’ premiums and other health care costs, including prescriptions. To qualify, residents must be at least 65 years old and approved for the federally funded program.

    Even more people are likely to qualify for the benefits under changes to the state’s new Medicare savings programs, which began March 1, with a replacement for MassHealth’s Senior Buy-In and Buy-In programs.

    Under new eligibility requirements, for a person on Medicare with less than $2,824 per month in income – or less than $3,833 for a couple – the program will pay for monthly Part B premiums, Part A and D co-pays and deductibles, as well as extra help with prescription costs, according to the administration of Gov. Maura Healey.

    Until now, eligibility was determined through an asset test that required individuals to have no more than $18,180 in assets, $27,260 for couples. Those assets included money in bank accounts and retirement funds, which advocates say often excluded people who would otherwise qualify based on annual income.

    “MassHealth is committed to ensuring that older adults on fixed budgets have access to affordable coverage,” Mike Levine, MassHealth’s assistant secretary, said in a recent statement. “Our work expanding eligibility for the Medicare Saving Program and simplifying the application process is critical to meeting this goal.”

    The Boston-based nonprofit group Healthcare for All says the new Medicare saving program will save seniors an average of $500 per month they would have otherwise spent on health care costs. The group says seniors are often having to choose between paying for food and housing or “essential” health care services.

    Massachusetts is wrestling with skyrocketing health care costs that advocates say are jeopardizing medical treatment for patients.

    A report in March by the Massachusetts Health Policy Commission’s Center for Health Information and Analysis found health care expenditures per capita increased by 5.8% from 2021 to 2022, well above the national rate of 4.1% and nearly double the 3.1% benchmark set by the commission, based on previous years’ growth.

    The center attributed the increases to a combination of high prescription drug expenses, “unprecedented” patient cost sharing, and other factors that are forcing consumers to dig deeper into their pockets to pay for health care services.

    Christian M. Wade covers the Massachusetts Statehouse for North of Boston Media Group’s newspapers and websites. Email him at cwade@cnhinews.com.

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    By Christian M. Wade | Statehouse Reporter

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  • FCC brings back net neutrality—’broadband is a necessity, not a luxury,’ chair says

    FCC brings back net neutrality—’broadband is a necessity, not a luxury,’ chair says

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    The rules ban practices that reserve higher speeds for the services or customers willing to pay more for them. Read More

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    David Hamilton, The Associated Press

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  • Net Neutrality Is Back. Yes, You Should Care

    Net Neutrality Is Back. Yes, You Should Care

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    Federal Communications Commission Chairwoman Jessica Rosenworcel has a lot to smile about.
    Photo: Jabin Botsford/The Washington Post via Getty Images (Getty Images)

    The Federal Communications Commission (FCC) killed net neutrality back in 2017 under former president Donald Trump, but on Thursday, it brought it back from the dead.

    Net neutrality—the principle that internet providers should treat all traffic equally and not throttle or block certain traffic for whatever reasons—is once again in effect after the FCC voted 3-2 in favor of its return. This reinstates the policies first established in 2015 that regulate telecom companies and prohibit the blocking or throttling of certain, lawful content.

    Along with preventing internet providers from throttling or blocking traffic, the FCC also added language to stop the companies from prioritizing certain traffic. Thanks to 5G technology, telecom companies can do what’s called network slicing, which can create multiple virtual subnetworks and prioritize certain 5G customers over others depending on whether they paid for a premium subscription to the provider. The rules back in 2015 didn’t put a focus on this concept since 5G wasn’t around back then like it is today.

    The FCC will also be able to stop foreign-owned entities that may pose a threat to national security from operating broadband networks. And if networks go down preventing workers, businesses, or even students from doing their work, the commission can get involved.

    As expected, internet providers are not going to take this lying down and will pursue the options available to them to stop net neutrality from happening.

    “This is a nonissue for broadband consumers, who have enjoyed an open internet for decades,” Jonathan Spalter, the president of a broadband lobbying group, USTelecom, told the New York Times Thursday.

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    Oscar Gonzalez

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  • Net neutrality is back: FCC bars broadband providers from meddling with internet speed

    Net neutrality is back: FCC bars broadband providers from meddling with internet speed

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    Internet service providers can no longer fiddle with how quickly — or not — customers are able to browse the web or download files, the Federal Communications Commission ruled Thursday.

    The 3-2 vote to adopt net neutrality regulations, which block wireless companies from selectively speeding up, slowing down or blocking users’ internet traffic, restores a policy that was discarded during the Trump administration.

    The reversal also paves the way for a legal fight with the broadband industry. The development is the latest in a years-long feud between regulators and ISPs, with the former arguing that protections are necessary to ensure all websites are treated the same, and the latter rejecting the rules as government overstep. 

    In first proposing the revived rule in September, FCC Chairwoman Jessica Rosenworcel said the agency wanted to expand high-speed internet access and protect personal data. Net neutrality was first passed by the agency in 2015, but was later rescinded in 2017 under then-FCC Chair Ajit Pai.

    Consumer advocates cheered the reversal, with advocacy group Fight for the Future calling it a win for activists and civil rights groups who have argued that the regulation is needed to ensure telecom companies treat customers equally. 

    For instance, companies won’t be able to impose additional fees for some sites to load faster than others, akin to toll lanes on the internet, under net neutrality.

    “People from across the political spectrum overwhelmingly agree they don’t want their phone company to dictate how they use the Internet,” said Fight for the Future director Evan Greer in a statement. “We are thrilled that the FCC is finally reclaiming its responsibility to protect consumers from the worst harms of big telecom.”

    USTelecom, however, blasted the FCC vote, with the trade group’s president and CEO, Jonathan Spalter, calling net neutrality a “nonissue for broadband customers, who have enjoyed an open internet for decades.” 

    Republican commissioners at the FCC also derided the new rules, with one, Brendan Carr, declaring “the internet in America has thrived in the absence of 1930s command-and-control regulation by the government.”

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  • Meta loses $200 billion in value as Zuckerberg focuses earnings call on all the ways company bleeds cash

    Meta loses $200 billion in value as Zuckerberg focuses earnings call on all the ways company bleeds cash

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    Mark Zuckerberg, CEO of Meta testifies before the Senate Judiciary Committee at the Dirksen Senate Office Building on January 31, 2024 in Washington, DC.

    Alex Wong | Getty Images

    Mark Zuckerberg started Meta‘s earnings call by talking about artificial intelligence. Then he moved onto the metaverse, touting his company’s headsets, glasses and operating system. He spent almost the entirety of his opening remarks focused on the many ways Meta loses money.

    Investors weren’t into it. Meta shares tumbled as much as 19% in extended trading on Wednesday, wiping out more than $200 billion in market cap. The drop came despite Meta reporting better-than-expected profit and revenue for the first quarter.

    Zuckerberg appeared ready for the sell-off.

    “I think it’s worth calling that out, that we’ve historically seen a lot of volatility in our stock during this phase of our product playbook where we’re investing in scaling a new product but aren’t yet monetizing it,” Zuckerberg said. He cited past efforts like short-video service Reels, Stories and the transition to mobile.

    Meta generates 98% of its revenue from digital advertising. But to the extent Zuckerberg talked about ads, he was looking to the future and the ways the company could potentially turn its current investments into ad dollars. In discussing Meta’s effort to build a “leading AI,” Zuckerberg said, “There are several ways to build a massive business here including scaling business messaging, introducing ads or paid content into AI interactions.”

    He spent more time talking about Meta Llama 3, the company’s newest large language model, and the recent rollout of Meta AI, the company’s answer to OpenAI’s ChatGPT. 

    Zuckerberg then moved onto potential opportunities for expansion within the mixed-reality headset market, like a headset for work or fitness. Meta opened up access to the operating system that powers its Quest headsets on Monday, which Zuckerberg said will help the mixed-reality ecosystem grow faster.

    He also talked up Meta’s AR glasses, which he called “the ideal device for an AI assistant because you can let them see what you see and hear what you hear.”

    The Ray-Ban Meta Headliner smart glasses. 

    Jake Piazza | CNBC

    In the meantime, Meta’s Reality Labs unit, which houses the company’s hardware and software for development of the nascent metaverse, continues to bleed cash. Reality Labs reported sales of $440 million for the first quarter and $3.85 billion in losses. The division’s cumulative losses since the end of 2020 topped $45 billion.

    Zuckerberg has bought himself some time.

    Meta’s stock price almost tripled last year and, as of Wednesday’s close, was up 40% in 2024. It reached a record $527.34 in early April.

    After a brutal 2022, during which the company lost about two-thirds of its value, Zuckerberg appears to have regained the confidence of Wall Street.

    The driver for the rally has been a cost-cutting plan that Zuckerberg put in place early last year, when he told investors that 2023 would be the “year of efficiency.” The company slashed headcount and eliminated unnecessary projects in an effort to become a “stronger and more nimble organization.”

    Zuckerberg said Wednesday that the company will continue to operate efficiently, but that shifting existing resources to investments in AI will “grow our investment envelope meaningfully.”

    Capital expenditures for 2024 are anticipated to be in the $35 billion to $40 billion range, an increase from a prior forecast of $30 billion to $37 billion “as we continue to accelerate our infrastructure investments to support our artificial intelligence (AI) roadmap,” Meta said.

    Zuckerberg said he expects to see a “multiyear investment cycle” before Meta’s AI products will scale into profitable services, but noted that the company has a “strong track record” in that department.

    Meta CFO Susan Li echoed Zuckerberg’s remarks and said the company needs to develop advanced models and scale products before they will drive meaningful revenue.

    “While there is tremendous long-term potential, we’re just much earlier on the return curve,” Li said.

    Even before the call began, investors were trimming their holdings. That’s because Meta issued a light revenue forecast for the second quarter, overshadowing the first-quarter beat.

    As the stock plunge intensified, Zuckerberg told investors that if they’re willing to come along for the ride, they may well be rewarded.

    “Historically, investing to build these new scaled experiences in our apps has been a very good long-term investment for us and for investors who stuck with us and the initial signs are quite positive here too,” Zuckerberg said. “But building a leading AI will also be a larger undertaking than the other experiences we’ve added to our apps and this is likely going to take several years.”

    WATCH: AI not yet the ‘lift’ for Meta that Wall Street was expecting

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  • Nintendo Forcing Garry’s Mod To Delete 20 Years’ Worth Of Content

    Nintendo Forcing Garry’s Mod To Delete 20 Years’ Worth Of Content

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    Garry’s Mod, a popular 2006 sandbox game that emerged from the modding scene around Valve’s Source software, has recently been issued takedown notices by Nintendo. As a result, Facepunch Studios, the developers of Garry’s Mod, are in the process of removing about 20 years’ worth of Nintendo-related content from the game.

    In an update to Garry’s Mod’s Steam page, the developers stated, “Some of you may have noticed that certain Nintendo related workshop items have recently been taken down. This is not a mistake, the takedowns came from Nintendo.”

    The update continues, “Honestly, this is fair enough. This is Nintendo’s content and what they allow and don’t allow is up to them. They don’t want you playing with that stuff in Garry’s Mod – that’s their decision, we have to respect that and take down as much as we can.”

    Despite Nintendo’s litigious nature, not to mention its fierce protectiveness over its brand image and that of its mascots, the notice from Nintendo comes as a bit of a shock. As the update goes on to note, Nintendo content has been hosted on Garry’s Mod for close to 20 years. Models of countless Nintendo mascots like Mario have been ported over to the Source engine for the enjoyment of anyone playing Garry’s Mod since the very beginning. It’s strange for Nintendo to suddenly come out of the blue and enforce a takedown of this much content, especially since the flexibility of the Source engine in Garry’s Mod was a large part of the appeal behind the game, which was popularized in the early 2010s by a slew of gaming Youtube personalities playing multiplayer social-deduction games in Garry’s Mod such as Prop Hunt and Trouble In Terrorist Town. Of course, you could also argue that Facepunch was, at times, a little too lenient about what they allowed on Garry’s Mod, making sense of Nintendo’s decision to take action after all this time.

    Nintendo-themed add-ons seem to have begun getting taken down a few months ago, though Facepunch didn’t publicly divulge that the company had issued the takedowns until earlier today. The process has been “ongoing” since then, and the developers are still working to remove all of it, which is an understandably Herculean task.

    It’s so much, in fact, that at the very end of the update, Facepunch jokes that, “If you want to help us by deleting your Nintendo related uploads and never uploading them again, that would help us a lot.”

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    Moises Taveras

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  • The evolving requirements of a K-12 school network

    The evolving requirements of a K-12 school network

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    Key points:

    Every time a parent sends their child to school, there’s a list of things they expect their child to remain safe from. That list probably includes protection from bullies, injuries during gym class, and probably rotten cafeteria food. In 2023, the internet is likely near the top of those concerns.

    As the school year began this year, the White House announced several initiatives to curb cyberattacks on K-12 schools. This was in response to a 2022-2023 school year that saw eight major cyberattacks in American K-12 schools, four of which caused classes to halt or caused the school to shut down for good. 

    In response to this news, K-12 IT managers in the U.S. have taken a holistic approach to cybersecurity. This is especially true as more schools take advantage of WAN, or wide-area network, tools to support the expanding nature of classroom (or outside of the classroom) instruction. If school IT staff want their security plans to be successful and at the right scale, they’ll need security tools that account for a host of possibilities and, therefore, are based on zero-trust standards.

    A more popular target

    The rise in cyberattacks on schools came on the back of the pandemic as remote learning forced many school districts to “expand” the classroom, thereby (unintentionally) expanding the attack surface for bad actors. Now that many schools are back in the classroom, students may no longer be remotely logging onto computers for class instruction. However, they may still need to remotely access school websites or learning modules for homework, group assignments, or to check their grades.

    A wider attack surface puts sensitive information such as student health information, parents’ personal information, student addresses, and faculty and staff information at risk. Also, even if students are accessing the internet at school, one wrong move could endanger sensitive information and cost the district a lot of money. The federal government reported that successful cyberattacks in 2022 ranged from $50,000 to $1 million in damages. With many districts across the country strapped for resources, a loss in this range could have significant consequences. 

    Types of attacks

    To avoid the consequences of a cyberattack, it may help school administrators to know how cyberattacks usually originate. The U.S. Government Accountability Office notes four popular methods that bad actors use for cyberattacks:

    Phishing: An attempt to access data or resources through a fraudulent solicitation in an email or on a website.

    Ransomware: The use of malicious software to block access to computer or data systems. Usually, during these attacks the attacker requests a fee to release access back to the target of the attack.

    Distributed denial-of-service attacks: The use of multiple machines operating together to overwhelm a target, thereby preventing or impairing the authorized use of networks, systems or applications. 

    Video conferencing disruptions: Attacks that disrupt teleconferences or online classrooms with malicious content. This usually includes pornographic images, hate images or speech, and threatening language. 

    Protecting a school from these attacks, or at the very least minimizing the damage, requires an in-depth network strategy with a zero-trust approach to cybersecurity at a K-12 school.

    A wireless WAN and zero-trust approach  

    As the classroom expands for many schools–with more students accessing virtual classrooms at home, doing work on school-provided laptops, and even using school bus Wi-Fi to do work–it’s become more pertinent for IT administrators to prioritize network security as much as possible. 

    A growing number of schools are realizing that wireless WAN (WWAN), or the use of public or private cellular routers or adapters as a key component of their WAN infrastructure, is a great way to enhance connectivity at the network edge and make sure there is as little interruption as possible to the many ways in which classroom instruction has evolved. Even with greater connectivity opportunities with a WWAN, there still exist the security concerns plaguing many schools. This is why a zero-trust approach to WWAN is so important for students, teachers, and the IT personnel that manage school networks. 

    By default, zero-trust cybersecurity solutions give IT managers the power to decide who gains access to school networks. Also, even if a member of the school is authorized, the right network solution will allow IT managers to decide where each user can go in the network. Compare this to more traditional virtual private network (VPN) solutions, which require complex configurations and, by default, give everyone access to the entire network.

    There are also specific security features that school IT managers should look for in their WWAN approach. For example, role-based internet filtering allows the IT manager to dictate where a student can go whilst on the school network and, thereby, filter the content to which they are exposed. Also, the right solution will isolate virtual meetings in the cloud, which prevents hackers from gaining sensitive information through a virtual meeting, even if they somehow obtain credentials to get into a meeting.

    Speaking of isolation, security features such as remote browser isolation airgaps user devices from the internet. This means even if a student or faculty member falls for a phishing attempt, that attack will not result in access to the school network.  

    It’s also important that IT managers look for WWAN solutions that aren’t complicated to deploy or manage. In many cases, K-12 schools don’t have massive IT teams with multiple experts to manage the various IT concerns that can happen throughout the day. A WWAN solution that is comprehensive but not complicated to manage allows IT managers to prioritize the online safety of the school without having anything fall through the cracks. 

    A secure learning experience  

    Many schools have implemented security measures to make sure unwanted guests don’t enter their school. They in turn dictate who can enter the building once class has started and who can’t. In fact, even students need permission to be in certain places once class has started. While the use of WAN tools can enhance school networks, IT personnel should approach cybersecurity with the level of fervor that administrators approach students’ and faculty’s physical security.

    With a zero-trust solution, K-12 IT managers can have more control over who enters the figurative doors of their network. This helps promote a scalable network and a safe online environment, no matter where learning occurs. 

    Latest posts by eSchool Media Contributors (see all)

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    Robin Manke-Cassidy, Cradlepoint

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  • Supermom In Training: Why it’s important that my 8yo son do chores

    Supermom In Training: Why it’s important that my 8yo son do chores

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    I wrote a blog recently about chores by age and got slammed on social media for even giving my son chores. Yep- a few parents told me it was wrong to expect my child to do any sort of labour because that’s my job as a parent.

    To this I say…..

    HAHAHAHAHAHAHAHA…..

    Guys: Kids NEED chores. They’ll never grow up to be responsible for themselves (and lord help their future spouses). They need to see how much it takes to run a household. They need to learn independence. 

    And kids are much more capable than we give them credit for. My 8-year-old son has always had basic chores: make his bed, put his clean folded laundry away, clear the dinner table, and take out the garbage. But I was talking to some friends before the summer who have boys around my son’s age and their boys were doing their own laundry. So, guess what? Summer started, the bean got his own laundry hamper, and downstairs we went to the basement so he could learn how to use the washing machine and dryer. And guess what? Eight years old and he’s doing his own laundry! Yesterday he did a load of clothes with his sheets, remade his bed, folded his laundry, and put it all away.

    I know it’s a parent’s responsibility to do things around the house and for their kids – don’t get me wrong. I’m not going to ask my 8yo to mow the lawn (yet). But after a year of virtual school, with my putting my own work aside to help my son, I told him mommy needed a break and some help this summer  too. So, we added to his chore list. 

    I think chores are really important for kids to have.

    What are your thoughts?

    A full-time work-from-home mom, Jennifer Cox (our “Supermom in Training”) loves dabbling in healthy cooking, craft projects, family outings, and more, sharing with readers everything she knows about being an (almost) superhero mommy.

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  • Lawsuit targets MBTA over train safety system

    Lawsuit targets MBTA over train safety system

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    BOSTON — A Japanese high-tech corporation has filed a $158 million federal lawsuit against the MBTA, claiming the public transit agency violated the terms of a contract to install a new safety system on the commuter rail network.

    The lawsuit filed in U.S. District Court alleges that the T made changes to the contract to install a Positive Train Control system along the commuter rail tracks that drove up the cost of the project by hundreds of millions of dollars, but refused to compensate the company for the additional costs.

    “Despite Hitachi Rail’s repeated demands and attempts to resolve the claims detailed below, Defendant MBTA has failed and refused to issue Change Orders, to acknowledge delays, or to compensate Hitachi Rail for the costs and other impacts incurred by Hitachi Rail in connection with the same, in breach of the Contract,” the complaint states.

    The T is under a federal mandate to install the system on all of its 15 commuter rail lines. The technology uses antennas on locomotives, radio towers and track sensors to monitor train speeds and locations to prevent collisions.

    Hitachi’s predecessor, Ansaldo STS, was awarded a $338 million contract in 2015 for the work but alleges that the MBTA required the company to perform additional work “beyond the contractual obligations” and then later “refused to pay for it.”

    The company cited the example of the Gloucester Drawbridge Project, alleging that the MBTA failed to issue a change order or pay for the additional work to install safety systems along that new section of commuter rail track.

    The MBTA said it is reviewing the complaint but argues it has “no impact on the MBTA’s ability to work closely with the contractor and deliver a project that improves safety for both customers and employees of the commuter rail system.”

    “While the MBTA continues its efforts to resolve any outstanding issues with the contractor, the work of accomplishing these important safety enhancements is in its final stages, and both parties are firmly committed to ensuring the project is successfully completed,” the T said in a statement.

    The project is part of a long-delayed federal mandate to equip the nation’s rail lines with the Positive Train Control system, which is designed to prevent train-on-train collisions, speed-related derailments and other safety issues.

    In 2008, Congress approved the mandate in response to a series of deadly train crashes involving speed and other rail safety issues.

    Initially, the federal government set a 2015 deadline for freight railroads covered by the law to implement it, but under industry pressure congressional lawmakers have pushed back the deadline several times.

    In the lawsuit, Hitachi claims that in Massachusetts the safety upgrades have been plagued by problems stemming from the MBTA’s handling of the project.

    “These include delays driven by the aforementioned changes to the contractually agreed work, ongoing lack of MBTA supplied flagger support necessary for Hitachi Rail to perform work in the right of way, MBTA track access denials, MBTA mandated re-sequencing and COVID-19 impacts,” the complaint states.

    The T is also under a congressional mandate to install the Automatic Train Control system on all of its commuter rail lines by this year.

    Similar to PTC, the system uses satellites and wayside radio signals to monitor trains. If any problems are detected — such as excessive speeds — on-board computers can take over to slow a train or bring it to a complete stop.

    Nationwide, the rail industry has spent nearly $14 billion installing train control equipment over the past several years, according to the Federal Railroad Administration.

    The National Transportation Safety Board says the technology could have prevented 145 railroad accidents, saved an estimated 300 lives and averted more than 6,700 injuries over the past 45 years.

    Christian M. Wade covers the Massachusetts Statehouse for North of Boston Media Group’s newspapers and websites. Email him at cwade@cnhinews.com.

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    By Christian M. Wade | Statehouse Reporter

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  • What Is 5G Home Internet? Here’s Everything You Need to Know

    What Is 5G Home Internet? Here’s Everything You Need to Know

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    Sick of slow, expensive, or unreliable internet service? You probably are. Internet service providers (ISPs) came second to last in a study of customer satisfaction by industry in the US last year. For most folks, internet service comes into the house via cable, and choices are limited. But with mobile carriers rolling out fast, low-latency 5G networks, that is changing.

    For some people, 5G home internet could be a viable alternative to traditional broadband. Carriers are starting to offer 5G home internet packages as they look to recoup the costs of upgraded networks, and that could finally mean some real competition for ISPs. If you’re wondering what 5G home internet is, how it compares to broadband, and whether it might be for you, we have all the answers you seek.

    Special offer for Gear readers: Get WIRED for just $5 ($25 off). This includes unlimited access to WIRED.com, full Gear coverage, and subscriber-only newsletters. Subscriptions help fund the work we do every day.

    If you buy something using links in our stories, we may earn a commission. This helps support our journalism. Learn more.

    What Does 5G Mean?

    5G is a global wireless standard, and it stands for fifth generation. Mobile carriers have been rolling out the fifth generation of cellular networks over the past few years. Compared with the previous generation (4G), 5G opens up unused radio frequencies at the high end of the spectrum. You can read our guide to 5G to learn more, but in simple terms, 5G is faster, has lower latency, and can handle more connected devices.

    What Is 5G Home Internet?

    5G home internet is an alternative to traditional broadband. Instead of running a cable into your home to connect to the internet, you connect to the 5G cellular network wirelessly with a fixed receiver inside or outside your home. You will use a SIM card and have a service contract, just like you do for your phone. You’ll still need a modem and router to convert the incoming signal into Wi-Fi and spread it around your home.

    What About 4G Home Internet?

    Some carriers already offer 4G LTE home internet, and some offer a mix of 4G and 5G. Both work the same way and require a receiver, but 5G allows faster speeds and lower latency. Theoretical speeds go beyond 10 Gbps with 1 millisecond of latency, but real-world performance around 1 Gbps is more common. A gigabit is enough for 5G to compete with broadband. 4G LTE typically maxes out at 100 Mbps but is often slower in the real world.

    Is 5G Home Internet Better Than Broadband?

    The short answer is no. The longer answer is that it depends. If you have fiber optic cable to your house, you can enjoy super fast wired internet, but if you rely on copper cable, your internet speed will be limited. The proximity of an exchange and internet demand in your area will also impact the speeds you get. Some folks lack a cable connection, but remote areas typically don’t have great 5G coverage. If you have solid 5G coverage in your area but internet service is poor or expensive, 5G home internet might be a better choice.

    What Are the Advantages of 5G Home Internet?

    5G home internet has a few advantages over wired broadband, but there are three big ones:

    • Since there is no need for a physical cable, installation of 5G home internet tends to be much easier, and you can likely set it up yourself without an engineer visit.
    • If you have good 5G coverage in your area, you can likely enjoy fast speeds, certainly much faster than old copper cables can provide.
    • 5G home internet service might be cheaper than wired internet. Some carriers offer discounts and incentives to add 5G home internet service to your existing mobile plan.

    What Are the Disadvantages?

    There are pros and cons to everything. Here are some of the possible cons of 5G home internet:

    • Coverage is limited and is likely to be best in cities. If you don’t have good 5G coverage in your area, 5G home internet is not for you.
    • You will need a receiver with a good line of sight to a 5G cell site or tower for the best results. This may mean attaching an antenna to the outside of your home because 5G signals are not very good at penetrating through walls and can be prone to interference.
    • As 5G adoption grows and networks expand, you may find your 5G home internet service is impacted. When 5G networks get busier, your home internet may slow down or suffer interruptions.

    Can I Get 5G Home Internet?

    It depends on where you live and what 5G coverage is like in your area. This coverage map from nPerf allows you to select by carrier to see coverage and download speeds. You can also check with your preferred carrier (most have coverage maps on their websites), but most only offer 5G home internet service in specific areas (big cities for now).

    Who Offers 5G Home Internet?

    There are several options for folks looking to get 5G home internet service, but make sure you read the small print. Most carriers offer a blend of 4G LTE and 5G. You are likely to get the best deals from carriers you take multiple services from, so if you already have cell service, your carrier will likely offer a discount on home internet. Here’s an alphabetical list of US options to start with, but new services are rolling out all the time:

    1. AT&T Internet Air
    2. Starry Home Internet
    3. T-Mobile 5G Home Internet
    4. US Cellular Home Internet
    5. Verizon 5G Home Internet

    If you’re in the UK, here are your options:

    1. EE 4G and 5G Mobile Broadband
    2. National Broadband 5G
    3. Three 4G and 5G Home Broadband
    4. Vodafone 5G and 4G Broadband

    Is 5G Home Internet Expensive?

    5G home internet prices are not hugely different from wired internet service. It may even be cheaper for some folks. 5G home internet plans start from as little as $15 a month (Starry), but most cost between $30 a month and $80 a month, depending on the speed and service you want. Many carriers offer discounts for existing customers and other incentives. Because they are keen to attract new customers, many 5G home internet services offer unlimited data, no fixed contracts, and no equipment fees. Just make sure you understand all of the conditions before you sign up.

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    Simon Hill

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  • Target Confirms It Will Stop Selling Some Physical Media In Stores, Like Movies

    Target Confirms It Will Stop Selling Some Physical Media In Stores, Like Movies

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    The future of physical media took another blow as Target confirmed previously reported plans that it would stop offering physical DVDs in store and transition to only carrying a select number of films in brick-and-mortar locations during specific, limited times. However, the retail giant said games would be—for now—unaffected by this change.

    Over the last two years, we’ve seen more and more signs that the era of physical media might be ending. In 2023, Alan Wake II became one of the first AAA games to skip a physical release, and it can only be bought digitally. In 2024, Microsoft confirmed that Senua’s Saga: Hellbade II would also skip a physical release. We also learned earlier this year that Best Buy is winding down support for physical media in its stores and online. Checking the retailer’s site today, I can’t find any movies for sale. (Physical video games are still available.) Also in 2024, Disney shut down its long-running DVD/Bluray movie club. So yeah, if you like buying and owning movies and games, you might be nervous. And more bad news is here.

    On April 18, IGN reported that a Target spokesperson told the outlet that the retailer is “transitioning the limited assortment of DVDs” currently available in some stores to its website, and now asks that customers shop for physical media online.

    DVDs will sometimes be available at Target

    However, physical movies and TV shows might return to stores during the holidays, when Target suggests people are more likely to buy a DVD.

    “Based on our guests’ shopping patterns and broader industry trends, we’re transitioning the limited assortment of DVDs we carry in our stores to Target.com, where guests will continue to find thousands of titles,” the spokesperson told IGN. “Moving forward, we’ll offer select DVDs in stores when they are newly released or during key times throughout the year when they are more popular, like for gift giving during the holidays.”

    IGN was told that this new physical media pivot won’t apply to video games, which will continue to be sold in stores.

    While that might seem like good news, the reality is that if Target is willing to remove DVDs from its stores, then it might one day decide to cut physical games, too. And if that happens at enough retailers, then publishers might become less interested in spending the money on printing physical discs. That could lead us into a future where most big games only ship digitally. That wouldn’t be so bad if digital storefronts weren’t shutting down and old games weren’t being routinely killed by publishers after it’s been decided they are no longer profitable. We are entering a new era and it’s scary, folks. Hold on to your PS2 and Xbox 360 games tightly.

    .

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    Zack Zwiezen

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  • SENIOR LOOKOUT: Need a reason to volunteer? Here are a few

    SENIOR LOOKOUT: Need a reason to volunteer? Here are a few

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    April is National Volunteer Month and next week (April 21-27) is a highlight of the month as National Volunteer Week. This began as a celebration to honor the contribution women made on the home front during World War II.

    After the war, interest resurged in the late 1960s and early 1970s and April became National Volunteer Month as part of President George H.W. Bush’s 1000 Points of Light campaign in 1991. National Volunteer Month is a time for organizations to honor volunteers and recognize the irreplaceable impact volunteers make on our communities.

    In 2023, more than 375 volunteers from SeniorCare’s RSVP Volunteers of the North Shore contributed 39,614 hours of volunteer service, sharing their time, skills, and talents, while spreading kindness and compassion throughout the community.

    Volunteers are driven, for their own reasons, to help and support their neighbors, their communities and the world. Why do people volunteer? What is the motivation?

    Here are a few of the many reasons people volunteer:

    Personal passions. You may have grown up in poverty, your sister may have had breast cancer, your grandmother may have been on hospice. Your heart has been touched, and you want to give back.

    Learn a new skill. Perhaps you are in college and are building your resume, mid-life looking for a new career, or retired and curious. Regardless as to why, volunteering is a great way to learn something new.

    Cultural diversity. You want to learn about other cultures so you volunteer abroad teaching English to Japanese students, or you go to another country and work in a refugee camp. This not only helps the people you will be serving, but you get the opportunity to expand your understanding of other cultures.

    Setting a good example. You work all week, take care of two teenage kids, but you find time to serve a meal to those less fortunate than you once a month. You certainly are helping others, but you are also modeling good behavior for your kids.

    Meeting like-minded, motivated, positive people. Connecting over shared interests in a cause while helping others is an excellent way to meet new friends. When you volunteer, your circle of friends can broaden quickly.

    New opportunities. There are volunteer opportunities that could lead you to experiences you might not otherwise have. Volunteering to usher for a theater will allow you to see a production you might otherwise not be able to see. Volunteer at a zoo and you might get the opportunity to develop a friendship with a giraffe.

    A need to focus on the positive. In today’s world of never-ending, instant — and often disheartening — news, volunteering presents a proactive way of doing something to make the world a better place. Even the smallest gestures make a difference.

    Empowerment. Maybe someone offered you a helping hand when you were down and out. Volunteering gives you the opportunity to pay that favor forward. Often times, a word of encouragement and a little assistance to those in need can help them get back on their feet.

    Volunteering is quite easy. There is a nonprofit organization for just about every interest or cause out there. Finding the right organization to volunteer for is just an internet search away, or SeniorCare’s RSVP Volunteers of the North Shore can help you find the best fit for volunteering. You can call RSVP at 978-281-1750 or visit www.thevolunteerlink.org.

    A big thank you to all volunteers! You make the world a better place.

    Tracy Arabian is the communications officer at SeniorCare Inc., a local agency on aging that serves Gloucester, Beverly, Essex, Hamilton, Ipswich, Manchester-by-the-Sea, Rockport, Topsfield and Wenham.

    Tracy Arabian is the communications officer at SeniorCare Inc., a local agency on aging that serves Gloucester, Beverly, Essex, Hamilton, Ipswich, Manchester-by-the-Sea, Rockport, Topsfield and Wenham.

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    Senior Lookout | Tracy Arabian

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