The Internet has become a crucial part of our day-to-day life. If you consider the amount of time you spend glued to a screen, you will realize just how web-dependent life is today. And this is excluding the time spent working. With increased reliance on devices and cloud storage, we must sit up and take note of common internet mistakes, especially since they can be making you vulnerable to online threats. Relying on public WiFi You would be hard-pressed to find more than a handful of people that do not love the idea of free WiFi. The caveat in being connected to a public WiFi is that you might expose yourself to unsafe surfing practices. Especially if you are trying to make the most of the WiFi connection available at airports and cafes and using it to access sensitive or personal data, you could end up with a malicious threat planted in your devices without you even realizing it. Reusing password It is easy to find people who prefer using the same password across various platforms, irrespective of its strength. This can mainly be attributed to the person’s desire to avoid confusion and the task of remembering different passwords for different platforms. It makes life easier for hackers and makes you more vulnerable to security theft. Snoozing software updates To avoid any vulnerabilities and threats to your data, it is important to keep all devices and software up to date. One of the most common mistakes people with smart devices and internet connections make is putting off software updates frequently. Security software no longer acts as the first line of defense against threats. It is, therefore, essential to keep all your programs up to date to avoid any threats. Keeping the complete system safe is now all the more important than simply security programs.

The next time a sugary treat entices you at the supermarket, consider the fact that almost 11% of the country’s population grapples with diabetes. Easy access to foods high in sugar and unhealthy fats has spurred an unprecedented increase in the number of individuals with diabetes. However, on the bright side, here’s a list of delicious and nutritious foods to indulge in without worrying about a spike in blood sugar levels. Hard-boiled eggs Hard-boiled eggs are high-protein, low-carb food sources that slow glucose absorption and aid digestion. Research suggests that consuming approximately two eggs a day has no adverse effects on the body in terms of cholesterol, blood sugar, and other parameters. Moreover, it typically enhances one’s fasting blood sugar levels. Boiled chickpeas The American Diabetes Association recommends chickpeas as high-fiber foods linked with low blood sugar levels. A bowl of boiled chickpeas garnished with pepper, lemon juice, and coriander leaves can fill one up till dinnertime! Fresh berries Berries such as strawberries, raspberries, blueberries, and blackberries are great additions to one’s meal plan if they have been diagnosed with type-2 diabetes. Berries typically have a low glycemic index and are packed with essential vitamins, fiber, and antioxidants. One may consume them directly or add them to their porridge and smoothies. Nuts One may stock up on walnuts, hazelnuts, almonds, pistachios, cashews, and peanuts, as these contain vitamin E, fiber, carotenoids, antioxidants, and healthy fats, making them ideal snacks for people with diabetes. However, avoid salted nuts as these are highly processed and may increase one’s risk for auto-immune conditions. Green soups and smoothies Broccoli, spinach, beet greens, kale, cabbage, and the like are considered nutritious leafy greens for individuals with diabetes as they have a low glycemic index, low starch, and high vitamin A and E levels. Thus, soups and smoothies with leafy greens, seasoned with some pepper and lime juice, are healthy, sumptuous snacks for regulating sugar levels.

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications. Biometrics The idea of digital or mobile wallets is convenient for most people. However, some people avoid using these services due to legitimate security concerns. And this is where biometric technology comes in. Fingerprint and face recognition technologies ensure that no one except the rightful owner has access to their funds. With the technology largely in place already, both buyers and sellers prefer using mobile payment over cash and checks. Cloud computing Cloud technology is on the rise in the banking and financial services industry. Cloud computing offers institutions a cheaper way to store and analyze enormous amounts of data.

An income annuity covers various retirement expenses that are not always covered by Social Security or pensions. The customizable contract issued by an insurance company converts an investor’s premiums into a guaranteed, fixed-income stream. It reassures investors of a steady income flow, throughout post-retirement. This retirement plan is only as good as how well one manages the contract. With proper expert guidance, an investor can learn how to reap the benefits of an income annuity. Learn about the types One of the easiest ways to benefit from annuities is to learn about the available types. There are various options: immediate, deferred income, indexed, variable, and fixed deferred annuities. Each type might suit different investor profiles. Learning about them in detail will help one make a more informed investment decision in the long run. Split the money One can divide their money across various annuity contracts using a bucket strategy to stay on budget. The method allocated for short-term, intermediate, and long-term expenses. For instance, if one has recently retired, one of the contracts can be set up to start immediately, while another can be set up in five years when the spouse plans to retire. A third contract will be initiated in 10 years, when one might expect a higher health care bill. Doing so ensures one receives money for current needs while the deferred annuities keep growing to offer higher payments later. Transfer wealth Income annuities let investors transfer wealth to others, such as heirs. Options with death benefits direct any remaining value of the contract to a beneficiary in a lump sum or a series of payments. An individual can also get a joint-life annuity policy, which will be with the spouse or child. One should remember that an inheritance strategy will reduce the monthly income the annuity pays the investor.

Choosing the correct internet service provider (ISP) can significantly impact a user’s browsing activities. There are over 2500 ISPs in the country, so it’s easy to make common mistakes that can result in poor service and dissatisfaction. Therefore, it is important to consider various aspects of ISPs to see which one meets one’s internet needs for both home and business. Avoid the common mistakes mentioned below for a smooth and reliable internet experience. Not researching internet providers Not all internet providers are suitable for one’s business or individual requirements. It is best to compare plans and prices, read customer reviews, and ask for recommendations that match one’s needs before signing up for any plans. Any unresolved online customer grievances can be a warning sign of a lack of customer support. One can also contact customer service to check for their operational hours and level of cooperation in providing details. Not understanding the bandwidth A common mistake most people make while choosing an internet provider is not evaluating one’s bandwidth needs. Connecting multiple devices, working on high-resolution files, or rendering may demand more bandwidth. However, if the internet needs are relatively low, one can save money by paying for an affordable package and then opting for a higher bandwidth later if required. Moreover, many small businesses underestimate their volume of work and opt for smaller plans, only to face internet issues later. Therefore, the best way to optimize internet usage is to check one’s monthly data usage and purchase a plan accordingly. Falling for free offers While discounts or freebies are a common practice to draw more customers, not all offers on ISP websites are reliable. It is best to avoid suspicious or too-good-to-be-true online offers from ISPs. One can opt for affordable plans with trusted ISPs rather than going for freebies.

There is nothing more pleasing than a well-furnished home that perfectly integrates aesthetics and utility. However, decorating a home requires considerable prior planning and budgeting, and paying full price for items may be more expensive than it is worth. Annual sales seasons like Black Friday help buyers ensure lucrative discounts on furniture pieces like sofas, beds, and dining tables. With Black Friday 2023 approaching, here are the top furniture deals one can expect this year: Sofa Beds Queer Eye Queer Eye’s futon sofa beds are made of sturdy wood, with faux and soft-leather upholstery. Moreover, its convertible sofa beds can easily recline between the sitting, lounging, and sleeping positions. Last year, Queer Eye’s Liam futons were available for $126 off their original price of $480. Ollie Ollie’s futon sofa beds entail box tufting, and they are a compact option for smaller spaces. The Ollie Futon Sofa Bed was available at 31% off on Wayfair last shopping season and may be offered on sale again this Black Friday. LINSY HOME LINSY HOME’s sleeper sofa beds are lined with memory foam mattresses, which utilize body heat to mold to one’s body shape, preventing back issues and ensuring optimal comfort. These sofas were available for $200 off at Walmart last Black Friday; thus, buyers should be on the lookout for discounts on LINSY HOME sleeper sofas even this year. Patio Furniture Ovios Patio Furniture Sets Ovios offers four-piece and five-piece comprehensive patio furniture sets, including integral furniture pieces like sofas, single chairs, ottomans, seat and back cushions, and pillows. Moreover, the furniture pieces are UV-resistant and easy to assemble. Walmart offered Ovios’ patio furniture set at a discounted price last shopping season. Lacoo Patio Furniture Sets This brand’s patio “conversation” sets comprise furniture pieces made of high-quality wicker, which are easy to maintain and affordable.

In the daily routine of managing household waste, a common frustration that many people encounter is the slipping and sliding of trash bags inside the trash can. Readjusting and repositioning the bag each time can lead to spills and messes, which can further waste time in cleaning. But, several hacks can help prevent trash bags from slipping. One can employ any of these handy methods to simplify waste management and make the process hassle-free. Use an extra large rubber band One tried-and-tested method involves using large-sized rubber bands to keep trash bags securely in place. One can simply wrap a band around the rim of the trash can and ensure that it overlaps the edge of the bag. This effective solution prevents the bag from slipping and minimizes the chances of it falling into the can. Use command hooks Medium or large-sized command hooks, used to hang all kinds of items, can actually also help keep the trash bags in place. Simply paste them upside down on opposite sides of a trash can. Once the hooks are in place, loop the drawstrings of a trash bag around them to ensure a snug fit. Taking the bags off the command hook is also easy, and one can use the same hooks for as long as they last. Use large binder clips Another way to manage trash bags is to use binder clips, which are easily found in office supplies stores. Once the bag is placed inside the bin, one can place a few large binder clips in a couple of places on the rim of a trash can. Ensure that the blinder clip measures at least about two inches to give a sturdy grip to the bags. Tie a knot This is another effective hack to keep the trash bag securely anchored to the bin.

Any illegal or false transaction by a cybercriminal is termed payment fraud. In this type of fraud, the perpetrator deprives the victim of sensitive information, personal property, or funds via the Internet. E-commerce primarily depends on electronic transactions to charge customers for services rendered and products delivered. The increased volume of online transactions also causes a spike in fraudulent activities. However, one can avoid payment processing software scams with a few tips and tricks. 1. Closely monitor the transactions Keep a tab on all the transactions and verify all the crucial details during the transaction. These include: The transaction date Amount IP address Shipping address 2. Use strong passwords Encourage individuals to keep unique passwords for their accounts. Doing so is one of the best techniques for avoiding payment processing software scams, as it lowers the probability of any trespasser gaining access to payment details. 3. Use multi-factor authentication (MFA) Whenever feasible, switch to MFA to add an extra layer of security to devices and accounts and boost protection. When one uses MFA, users have to input verification like a code. It lowers the probability of theft as the code goes to the owner’s: Authenticator apps Email Mobile devices 4. Limit access to confidential data One can avoid payment processing software scams when there’s restricted access to private and confidential information, which lowers the probability of the information leaking. So the data is safe and won’t end up in the wrong hands. One must only share one’s confidential information with either trustworthy individuals or any employees whose role in one’s company requires them to have access. 5. Secure payment gateways Ensure the software or the platform has secure payment gateways. These encrypt the information and keep the funds safe. 6. Use fraud detection tools Such software can help monitor transactions for patterns or suspicious activities.

Buying a vacuum cleaner is not a straightforward task. There are multiple reasons for such a difficulty, but the biggest one is that every household is different. Each vacuum cleaner has its own type of design, due to which there’s no guarantee that one model will work for every house. So, instead of looking for the best vacuum cleaner, we think it is better to go with the one that suits your home. Here are our five best picks: Shark® APEX® Upright Vacuum This vacuum cleaner is a good choice against dust particles stuck on stairs, behind furniture, and in corners. This cleaner is also well sealed, which prevents dust from creeping out. The Shark® APEX® Upright Vacuum doesn’t make too much noise and has been tested to perform well on both carpets and bare floors. Dyson V15 Detect™ Absolute This cleaner lasts up to 60 minutes on battery, which is ideal if you have a big house. It also has an LCD screen that shows the remaining run-time and where blockages are located, which ensures thorough cleaning. The laser-totting head and a High Torque cleaning head work well for both hard floors as well as carpets. Dyson Cyclone V10™ Absolute Cordless Vacuum Cleaner Unlike many vacuum cleaners in the market, the Cyclone V10 is easy to maneuver. It is really slim and lightweight, so it can find a way in tight spaces without causing trouble. The stick comes with two heads—one for carpets and one for bare floors— and three modes. You also get a mini soft dusting brush and a mini motorized tool with a rotating brush, for cleaning fabric and carpeted stairs, along with this vacuum cleaner. LG CordZero™ A9 Kompressor Stick Vacuum This is one of LG’s most powerful vacuum cleaners. It can run up to 60 minutes on a single charge, and performed well on hard floors and carpets during tests.

When a person is down with the flu, they may not feel like eating much. However, healthy food is essential to keep the bug down. Fevers, body aches, colds, and cough take a toll on the body, leading to added weakness. Foods that are high in nutrients add to the body’s defense and make the immune system stronger to fight the illness. Here’s a list of foods and home remedies for flu relief. Foods for Relief from Flu Chicken soup Chicken soup contains vitamins, minerals, calories, and proteins, which are required when you’re down with flu. It is packed with amino acid cysteine, which is known to have antiviral, antioxidant, and anti-inflammatory effects. Additionally, chicken soup is a complete meal that boosts immunity and opens up blocked nasal passages. Broths Any kind of broth is a rich source of fluids, nutrients, and electrolytes. It is easy to digest, rich in collagen, and reduces dehydration, promoting faster recovery from the flu. Most broths also contain amino acids, which are an essential source of protein. Consider making or buying a low-salt broth if you are watching your sodium intake. Hot tea After chicken soup, hot tea is a popular remedy for cold and flu. Be it green, oolong, or black, hot teas help relieve nasal congestion. But make sure your tea does not contain caffeine as it can cause dehydration. Teas are also rich in cancer-fighting antioxidants and polyphenols. Home Remedies for Relief from Flu Saltwater gargles Gargling with lukewarm salt water can treat upper respiratory infections by loosening the phlegm and mucus virus. The salt in the water also helps with throat pain and nasal congestion. Dissolve one teaspoon of salt in a glass of water and swish it around your mouth and then spit. Warm baths Taking a warm water bath may reduce the symptoms of a cold and flu.

Exercising is a treasure trove, making one achieve optimum health, among other benefits. With daily exercise, one can also expect better concentration and a massive energy boost to last throughout the day. The best part? One does not have to pay for a gym membership to access these benefits. Workouts can be simple and highly effective, even when done at home. So, here are some easy at-home exercises one can add to their daily routine: Squats Squats boost one’s core strength and lower body flexibility. One can start by standing straight, with the feet slightly apart. Then, they will need to brace their core and bend their knees as if they were sitting on an imaginary chair. While bending down, the chest and chin must be up, and the hips must be pushed back. The knees must not be outward or inward, and the thighs must be parallel to the ground. After holding this pose for a second, one can rise and repeat. Dumbbell rows Useful for the back and other upper body muscles, this exercise involves holding a 10-pound dumbbell in each hand and bending forward at the waist, with the back at a 45-degree angle with the ground. The back and neck should be straight as an arrow, and the arms should hang down. Then, one can gently pull the dumbbells up by bending one elbow and stopping just below the chest. One can follow the same steps on the other hand and alternate between the two. Planks Planks help tone the abdominal muscles and stabilize the abs without straining the back. Here, one should first plant their toes and hands on the floor while keeping their back straight, parallel to the ground, and their abdomen tight. For beginners, the plank position should be held for 20 seconds, with each subsequent one held for longer durations as the strength increases.

Who wouldn’t want clean, bright, and white teeth? However, certain DIY teeth whitening techniques and home remedies may do more harm than good if one doesn’t exercise caution. This is why one should always consult a dentist and opt for professional teeth whitening procedures and avoid doing it without expert supervision. So, here are a few risks of at-home teeth whitening that one should consider before opting for DIY techniques: Weakening the enamel This is a common risk involved with teeth whitening techniques. The enamel is a thin but tough outer layer on the tooth that protects it from decay or cavities. However, frequent at-home whitening solutions can weaken or even erode the enamel, especially if extremely abrasive options are used. Certain harsh products or ingredients can chip away at the enamel, leaving the tooth bare—a huge reason why teeth whitening at home may be a bad idea. Uneven whitening There is a clear difference between professional teeth whitening and at-home solutions. Not following precise instructions or overdoing the procedure can lead to unsatisfactory results like uneven whitening, defeating the whole purpose of the process. While uneven whitening may not indicate any effects on oral health, DIY procedures may not do a thorough job of giving one sparkly white teeth. In fact, the procedure may make the stains more visible at times, making a visit to the dentist inevitable.  Increased tooth sensitivity Excessive use of unsuitable home remedies can lead to side effects like enamel erosion, which results in other complications like increased tooth sensitivity. Without the protection of enamel, a layer called dentin is now exposed to food and drinks. Dentin becomes the only layer shielding the innermost section of the tooth, which has all the nerves making it sensitive to hot and cold temperatures. As the enamel erodes further, the sensitivity will worsen.