As we move into a phase where lines between what we want to share and what we do not are blurred, there’s a serious question that needs to be asked. Is anything safe on the internet?
Even after the infamous court hearing on Facebook, questions only began to increase. How do we protect our information online? Although a 100% safety cannot be guaranteed, a few necessary steps can be taken to ensure our data is safe online.
Update Your Devices
By keeping your devices up to date, the better known exploits in these devices may be fixed. Applications that store your data should also be kept up-to-date.
Having an antivirus software always helps.
Two-Factor authentication is one where there are two layers of security. One is usually the password whereas the other could be another measure of protection, say, a personal question or a pin number. Use these wherever possible as a password leak will only result in a one layer breach.
Backing up data into a separate, isolated harddrive can help you protect yourself in a ransomware attack in which all your data will be useless and encrypted.
Lock Screen Notifications
Turn any lock screen notification off as a primary precaution to prevent your data from being leaked by people around you.
Avoid “Freemail” Services
Stop using email services that provide free storage and start using email where you pay for the service itself. Freemail services may tend to outsource data to private companies.
Do not back your data into the cloud. But if you do use the cloud, encrypt them at all costs.
Wi-Fi and Bluetooth
Turn off all wireless functionalities like Wi-Fi or Bluetooth. Bluetooth is known to be an easy access point to a device. Be wary of Wi-Fi networks that have no passwords linked to them.
Do not use the same password repeatedly for different accounts. Invest in a password manager. Using the same password could lead to leaking of data from every single one of your accounts from various websites.
Avoid Fax Machines
Faxing should be avoided if the information you’re sending is sensitive since you can never be sure of if the recipient is the person you intended them to be.
While accessing bank accounts through the internet, make sure to utilise a virtual keyboard to mask keystrokes. PIN numbers while shopping online must be avoided at all costs. Make use of OTPs instead.
Following these handy tips will partially ensure your data wouldn’t fall into the wrong hands. But if they do, take necessary steps and change passwords as soon as possible to prevent further leakage of data.
Financial emergencies can take place anytime and you might not have the required cash amount for meeting these unexpected expenses but when you have loans, you can take money according to your convenience for meeting
these expenses. If you are wondering Why do you think taking loans are beneficial to you then you should know the many benefits that it offers so that you can get financial support instantly. There are two kinds of loans which includes secured and unsecured loans that you can take depending on the loan amount, waiting period, urgency and purpose for taking the loan. You can also apply for loans online where you can fill out the applications online and documentation will also done online so that the loan amount will be transferred to your bank
account within few hours.
Reasons for taking a loan
If you do not have enough cash for unexpected expenses that might arise in the middle of the month then you can go for short term loans but if you need money for meeting some long term expenses then you should go for long term loans. Moreover if you want cash urgently but you do not have collateral or security to offer to the bank or lending institutions then you will need to go for unsecured loans where minimal documentation is required. On the other hand, if your cash requirement is more and you can also keep any asset as collateral then you should opt for secured loans that offer loans at attractive interest rates. Hence you can use this loan amount for meeting any kind of cash
needs and for the loan you will need to have a good credit history and steady source of income.
Benefits of taking loan includes-
Meeting cash needs- the most important benefit of loans is that you will not have to borrow money from your family, friends and relatives as the loan amount can be used for your expenses.
Less paperwork- there are some kinds of loans like unsecured loans and personal loans that involves lesser paperwork and documentation as you can get the loan amount easily without the need for going through lengthy process or formalities.
Lower interest rates- the rate of interest of the loans depends on the risk factor and when you take a loan by providing security or collateral then you will have to pay lower interest rates. But when there is a high amount of risk involved in the loan then you will have to pay a higher rate of interest.
Repayment options- when you take loans for your cash needs, you also have the option of selecting the repayment methods through which you can pay back your loan easily and conveniently. You can also pay back the loan in small installments according to your convenience so that you will
not face any kind of issues.
Easily availability- getting loans is very easy as you can either go for online method or offline methods of taking the loans so that you can get financial support within few hours in the form of loans. Moreover you can also select the term, method and installments of the loans so that it
will be according to your convenience.
Every month, many people take up loans for personal use, unexpected expenses, home improvements and many more. The percentage of individuals with loans has grown in recent years due to the increase of lenders. If you are planning to apply for any loan, it is essential to understand everything concerning the credits. Below are some of the things you need to put into consideration when applying for financing.
Five Things you should know before taking loans
1. Understand the type of loan
Before you take a loan, it is essential to understand the kind of loan you need. Most financial institutions give loans in two interest types. You can have fixed interest loans or the fluctuating interest loan. The fixed interest loan is where the borrower pays a flat interest rate. The interest rate does not change throughout the loan period. But with fluctuating interest loan, several conditions can lead to changeability.
2. The Interest rate
Another important thing you need to consider when applying for a loan is the interest rate and the period of the loan. Happily, you can be able to negotiate on the interest rate. Even though the financial institutions are always in control, you can consult if you are a loyal customer. Also, if you have a clear credit history, you can be assured to have a good interest rate. You can also get a lower interest rate if you apply for your loan during the end of the month. This is because most banks have targets and they may be flexible at the end of the month to achieve their goals.
3. Go through the contract
A loan agreement is a document that has all the details of your loan. There are many sections and many affirmations in the loan contract. Therefore, it is essential to go through it before committing yourself. Most borrowers are not aware that most clauses are hidden or they are not well visible. Hence, it is wise to read the agreement to the last paper before putting your signature on the dotted line.
4. Check the penalties and the processing fee
Most people do not check the costs that come with the loan. To be on the safe side, ensure you are aware of the processing fee, charges, interest rate, service charges, legal charges, and prepayment penalty. Keep in mind that any carelessness on the above contexts can cause big problems to your finances.
5. Longer loan term equals expensive loans
Most people love credits with longer terms. But it is essential to note that the longer the loan tenure, the more expensive is the loan. If you afford that, you can choose it, but it is essential to know that you may pay the interest for a long time. Hence, always pick a loan you can pay in a shorter period.
The above tips are essential when applying for any kind of loan. However, if you have a loan from a specific bank, you do not have to remain there until you repay the loan. You can switch or consolidate your loans.
Depression is a mental disorder that is characterized by lack of energy, and low self-esteem and power; people suffering from depression find it hard to get out of this mental state. But this is a disorder that is common and highly treatable. Here are eight steps that will help you tackle depression.
1. Monitor critical self-attacks
Depression causes people to accept themselves in a negative light, a misconceived identity that becomes internalized over time. Do not allow these parasitic attacks to dissuade you from your goals, or to isolate yourself. Think of yourself in a compassionate light to free yourself from these thoughts.
2. What are you angry at?
Depression could often be a cover for anger in some people, either directed towards themselves or another person. Acknowledge and accept the anger as a normal emotion that need not be covered up, and it will give you a better handle on your emotions.
3. Be active
Because depression can dampen your energy levels, it is essential to beat this feeling. You can do this by exercising 20 minutes a day as it has been proven to fight depression and negative emotions.
4. Do not isolate yourself
Depressive thoughts often urge you to isolate yourself which can be the most counterproductive thing to do if you are depressed. Find someone you can trust, a friend or trusted family member, or even a way of voicing your emotions so as to work through the motions, rather than suffer alone.
5. Rediscover old interests
Your most lethargic moments are the times you should push yourself to confide in a familiar activity that could re-ignite a spark that will help you fight your depressive thoughts, and against the inner voice of depression.
6. Comic relief
Although it seems silly, watching a funny movie or a TV show or anything that makes you smile and laugh will help convince your brain that you are happy. These are not mere distractions, but tools that help contradict your inner voice of depression.
7. It’s okay
Feeling bad is an emotion that is human, and there is nothing wrong about it. Do not feel embarrassed about it. Negative thoughts about your negative thoughts will only pull you down further. Take your mental health seriously, and keep in mind that it is treatable, and it is okay.
8. See a therapist
There is no shame in voicing your emotions and talking about how you feel, in fact, it is one of the most potent ways of combating depression. If the problem seems beyond your control, seek the help of a therapist – this is a brave, healthy and productive act that will help you with your healing process.
Know more about personal loans
There are some unexpected expenses that might arise anytime like medical expenses, hospital bills, wedding, home renovations, holiday or car repair among others. If you are not prepared for these expenses, you might need additional money for meeting these expenses and for this you can consider taking personal loan as it is the best solution for you.
It offers you quick source of cash when you need money urgently as you can select the terms for which you can take the loan and repayment is also done over a period of time so that it will not be a burden for you. Personal loan is a kind of unsecured loan that can be taken by salaried individuals for their personal use without any kind of collateral or security and this is the reason for the high rate of interest of personal loans. There are many Benefits of taking a personal loan that you should know so that you can use the amount for meeting your emergency cash requirements.
Features of personal loans
-High rate of interest
-No collateral or security
-Pocket friendly installments
-Little or no paperwork
-Meets short term cash requirements
-Quick cash in your bank account
Benefits of taking a personal loan includes-
The most important benefit of taking personal loan is that you can apply for the personal loan conveniently
anytime, anywhere without the need of going anywhere. It will save your time and money as you will not have to visit the bank for applications or disbursal of the loans or for filling the applications or giving the required documents.
Lower rate of interests
Taking a personal loan can be beneficial for you as it offers lower rate of interest as compared to the credit cards and hence you can qualify for personal loans when your credit score is good. With affordable rate of interest, you can take the loan for meeting your emergency expenses so that your cask requirements can be fulfilled.
Hassle free loan processing
Personal loan can be procured in a hassle free manner as you can also apply for the loan online without the need for going anywhere. You can also provide the documents and applications online so that your loan will be approved and the money will be transferred to your bank account.
As the documentation is minimal and process is quick, you can get the loan amount within 2-4 hours as you can be stress free as the money will be transferred to your account easily.
Available for all purpose
Taking a personal loan for any purpose can be a financial support for you because you can use the loan amount for a variety of purposes and you will not need to specify the cause or purpose of taking a personal loan.
Pay back in installments
You can pay back your personal loan in small equal installments according to your convenience as you can determine the frequency of paying back the loan so that it will not be a burden for you.
You might not realize but a financial emergency can take place any time even when you are unprepared and you may not have the money to pay for these expenses and hence you will need to take loan so that you can meet these expenses easily. Moreover there are individuals who might not have emergency funds for meeting these expenses and need to look for these 5 tips to get loans quickly so that you will get money quickly without much of
There are some quick loans that can be approved within hours of applications and there is no need for any kind of collateral but the loan amount will be transferred to the bank account. You will get enough cash for meeting
your urgent cash needs and the money can also be used for helping you get out of your debt.
5 tips to get loans quickly
Select the best loan- the most important tip that you will need to follow is to look for a loan according to your preference and requirements so that the loan will be approved easily without much of a hassle. There are secured, unsecured loans, short term and long term loans that you can select according to your needs so that it will meet your requirements.
Look for the best lenders- there are different lenders who offers loans in the market like the banks, financial institutions, lending companies, private and public companies. But you should look for the lender who will offer the best loans at attractive rate of interest so that you will not have to pay more money in the form of interest.
Know your limitations- when taking a loan, you should know your limitations with regards to your credit history and collateral offered for the loan so that you can get loans on the basis of your credit scores. You should also know the amount of money that you should take for the loans so that you will not have the burden of repaying the larger amount of loan. You need to know your financial limitations when planning to take a loan so that you can repay back the loans easily without facing any kind of issues with the repayment.
Look for lowest rate of interest- there are some lenders who might overcharge you in the form of interest rate for the loan and you will lose your hard earned money for repaying the loan. Therefore it is very important to choose loans and lenders who offer the best interest rates so that you can repay the loan without being burdened due to the loan.
Have right expectations- when taking a loan, you need to have the right expectations with regards to what the loan will offer along with the collateral that you will have to provide and the rate of interest. You also need to assess the reasons behind taking the loan so that you will spend the money wisely without wasting it on unnecessary expenses that might be burden for you.