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Identity Theft – 10 easy and simple ways to Prevent it

There is documented proof that even big companies have experienced major cybersecurity breaches. If large organizations are not immune to being hacked, what will stop a hacker to target individuals like you?

Preventing identity theft is possible with these practical and simple things that you can do

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1.Prior to making a financial transaction, ensure that a website is safe. Check if these two things are present:

  • The letter “S” in HTTPS

HTTPS is found at the beginning or a URL or web address. “S” stands for “Secure.”
Note: The “S” may not appear until you move to the “order” page on the website.

  • A closed yellow padlock icon

This is found either at the bottom of your browser’s window or right next to the URL box.

2. As much as possible use credit cards and not debit cards for online transactions.

credit-card -  offer better fraud protection compared to debit cards.

Use credit cards and not debit cards for online transactions.

Credit cards offer better fraud protection compared to debit cards.  Credit cards are also not directly linked to your bank account.  If you’d rather use debit cards, just make sure that they are being used as such.  Whether you use a debit or credit card, make certain that you frequently review your statements and check for unauthorized purchases.

3. Avoid clicking the “unsubscribe” link on spam e-mails.

Clicking the unsubscribe link lets spammers know that you have an active email address, which gives them a signal to send you more.  If you have more spam mail, you may face more potential security issues.

4. Do not store your credit card information with a retailer.

It is not safe to leave your credit card information with your favorite retailer for future purchases. Although it may be convenient if retailers have your financial information saved online, the more vulnerable you are.

5. Keep your passwords hack-proof.

To ensure that your passwords are hack-proof, use full sentences, which includes spaces and punctuation, whenever possible.  Also, it is best not to use the same passwords more than once. The best things to do is to get a password management program that automatically creates and manages very strong passwords for all your accounts.

6. Fortify the answers to security questions.

It is a good idea to strengthen the answers to security questions.  For instance, instead of giving them your mother’s maiden name, you can choose a nonsensical answer.

7. Make sure that your computer software is updated.

This is especially crucial for anti-virus programs and your web browser of choice (Chrome, Internet Explorer or Firefox). Most of cybersecurity attacks take advantage of security vulnerabilities in your software that was never fixed or updated. All legitimate updates should be applied immediately. In fact, it is recommended that you switch on your device’s automatic updates.

8. Be wary of email links and attachments.

"Phishing" - Be wary of email links and attachments

“Phishing” – Be wary of email links and attachments

There are fake emails that are specially created to trick you into opening links and attachments. This is called phishing. Opening these links and attachments will allow cyberthieves to steal your personal information. Watch out for clues such as poor syntax and spelling, account closure threats, suspicious representation of well-known companies, and false receipts and shipping confirmations.

9. Do not neglect your snail mail.

It is possible for identity theft to still begin on paper, and in fact, it is still one of the top favorites of identity thieves. The best thing to do to avoid it is to collect your mail as soon as possible after delivery and to send anything with sensitive information from a post office or mailbox.

10. Take immediate action if you fall victim to identity theft.

The sooner that you take action by immediately calling the local authorities, the less damage you’ll need to fix. 

If you follow these easy steps, you can deter cyberthieves and keep your personal information intact.

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Uphold: The All-in-One Mobile App for Crypto and Multi-Asset Trading

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Uphold: The All-in-One Mobile App for Crypto and Multi-Asset Trading

Uphold has carved out its place as a versatile platform that goes beyond cryptocurrency, enabling users to trade and manage various asset types, including fiat currencies, stocks, precious metals, and more. Designed for simplicity and accessibility, the Uphold app makes it easy to diversify and manage your portfolio anytime, anywhere. In this review, we’ll explore the app’s standout features, benefits, and potential drawbacks to help you decide if it aligns with your financial goals.


Key Features of Uphold

1️⃣ User-Friendly Mobile Interface The Uphold app boasts a sleek, intuitive design, ensuring that both beginners and experienced traders can navigate effortlessly. Real-time price tracking and customizable push notifications keep you informed of market changes.

2️⃣ Multi-Asset Support Trade and hold a wide variety of assets, including over 250 cryptocurrencies, fiat currencies, fractional U.S. equities, and precious metals, all in one place.

3️⃣ Cross-Asset Trading Seamlessly exchange between asset types without needing to convert to fiat first, offering unmatched flexibility.

4️⃣ Transparent Fees Uphold’s pricing structure is upfront and transparent, helping users avoid unexpected charges common with other platforms.

5️⃣ Recurring Investments Automate your investments with recurring transactions, allowing you to dollar-cost average into your preferred assets over time.

6️⃣ Instant Transfers Easily transfer funds between Uphold accounts without fees, making it a convenient option for global transactions.

7️⃣ Sustainability Focus Uphold’s investment in carbon credit tokens underscores its commitment to environmental sustainability, allowing users to make eco-conscious financial decisions.


Pros and Cons

✅ Pros:

  • Supports a diverse range of asset classes.
  • Mobile app interface is clean and easy to use.
  • Cross-asset trading adds flexibility.
  • Transparent and competitive pricing.
  • Real-time alerts and notifications keep you informed.

❌ Cons:

  • Limited advanced tools for professional traders.
  • Higher spreads compared to some specialized crypto exchanges.
  • Customer support response times could improve.

What Users Are Saying

  • NerdWallet Review: “Uphold’s multi-asset platform is a great option for beginners and intermediate investors looking to diversify beyond crypto.” 🔗 Read the full review.
  • Forbes Review: “With its transparent fees and cross-asset trading capabilities, Uphold is an excellent choice for casual investors.” 🔗 Read the full review.
  • Investopedia Review: “Uphold’s multi-asset offerings set it apart from traditional cryptocurrency exchanges.” 🔗 Read the full review.

Download Uphold


Disclaimers

  • Trading cryptocurrencies and other assets involves significant risk and may result in the loss of your invested capital. Ensure you fully understand the risks involved before trading.
  • Uphold is not available in all jurisdictions. Check local regulations and availability in your country before downloading and using the app.
  • Past performance of any asset is not indicative of future results.
  • Uphold does not provide financial, legal, or investment advice. Users should consult with qualified professionals for advice tailored to their individual circumstances.

Is Uphold Right for You?

Uphold is a fantastic choice for investors seeking a versatile, all-in-one platform to manage their financial portfolios. With support for a broad range of asset classes, transparent pricing, and an easy-to-use mobile app, Uphold empowers users to trade, invest, and transfer funds seamlessly. Whether you’re a crypto enthusiast or a diversified investor, Uphold simplifies investment management with tools designed for accessibility and convenience.

📥 Ready to take control of your portfolio? Download the Uphold app today and explore a world of investment possibilities!

 

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Crypto.com App Review: Your Guide to a Top Crypto Platform

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If you’re curious about cryptocurrency and want an easy way to start trading, Crypto.com might be the app for you. With tons of features, fair fees, and a simple design, it’s a great choice for beginners and experienced users alike. Let’s break down what Crypto.com offers, so you can decide if it’s the right app for you.


Key Features of Crypto.com

1️⃣ Lots of Cryptocurrencies to Choose From
Crypto.com supports over 250 cryptocurrencies, making it perfect if you want to explore different coins and build a diverse portfolio. 📈💰

2️⃣ Low Fees
Crypto.com charges some of the lowest fees in the market. Plus, you can get discounts if you hold their CRO token. 🤑📉

3️⃣ Earn Interest
With the Crypto Earn feature, you can earn up to 14.5% interest yearly by holding your crypto. 💵💹

4️⃣ Visa Debit Card
Crypto.com offers a debit card that gives you up to 8% cashback on your purchases, paid in CRO tokens. 💳✨

5️⃣ Strong Security
Crypto.com uses two-factor authentication and stores most funds offline to keep them safe. It also has a $750 million insurance policy for added protection. 🔒🛡️

6️⃣ Easy-to-Use App
The app’s design is clean and simple, making it user-friendly for people of all experience levels. 📲🌐

7️⃣ Advanced Tools for Pros
If you’re an experienced trader, Crypto.com has tools like margin trading and futures trading with leverage. 📊⚙️


Pros and Cons

✅ Pros:

  • 🌍 Supports many different cryptocurrencies.
  • 💳 Cashback rewards with the Crypto Visa card.
  • 📉 Low fees with discount options.
  • 🔒 Excellent security and insurance coverage.

❌ Cons:

  • 🕒 Customer service can be slow to respond.
  • 💎 You need CRO tokens to get the best benefits.
  • 🧩 Advanced tools might feel overwhelming for beginners.

What Users Are Saying

  • NerdWallet Review: “Crypto.com’s low fees and wide crypto selection make it a top choice for active traders.” 🔗 Read the full review.
  • Forbes Review: “The Crypto Visa card is a unique feature that makes Crypto.com stand out.” 🔗 Read the full review.
  • Business Insider Review: “Crypto.com has excellent features, but it can be tricky for beginners to learn.” 🔗 Read the full review.

Download Crypto.com

Apple App Store
📱 Download on iPhone/iPad

Google Play Store
📱 Download on Android


Is Crypto.com Right for You?

🚀 Crypto.com is great if you’re looking for an all-in-one platform to trade, earn, and spend crypto. Whether you’re a beginner or an advanced trader, its features and low fees make it worth checking out. 💹

📥 Ready to start your crypto journey? Download the app today and explore the world of cryptocurrency with Crypto.com! 🌟

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Feel Like Your Job is a Waste of Time? Here’s How Others Found Meaning

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Feel Like Your Job is a Waste of Time? Here’s How Others Found Meaning

Christopher Wong Michaelson is a philosopher with 25 years of experience advising business leaders pursuing meaning and providing work with a purpose. He is the Opus Distinguished Professor and Academic Director of the Melrose and The Toro Company Center for Principled Leadership at the University of St. Thomas. He is on the Business and Society faculty at NYU’s Stern School of Business. Jennifer Tosti-Kharas is the Camilla Latino Spinelli Endowed Term Chair and Professor of Management at Babson College.

Below, co-authors Christopher and Jennifer share five key insights from their new book, Is Your Work Worth It?: How to Think About Meaningful Work.

1. One Life to Live. One Life to Live. It turns out that after 43 years on network television, One Life to Live did have one more life to live, this time on a streaming service. But that second life was to be brief, indicating that, in fact, we do have but one life to live after all. So we might as well use our limited time wisely. For most of us, work will take a disproportionate share of our waking adult hours. It defines our identities, especially in a culture where the first question we often ask when meeting someone is, “What do you do?” Work shapes our legacies: the mark we leave behind by what we produced, who we influenced, and what it all meant. Yet, most of us don’t have enough time in the workday to pause working to ask the big questions about why we do the work we are doing unless we are faced with a tragedy that forces us to confront our own mortality.

Most of the victims of the 9/11 terrorist attacks died at work, and though they ranged in age, they were, on average, in their late 30s. Their stories suggest that we may have but one life to live but also that we may have many working lives to discover work that is worth it. Godwin Ajala had been a lawyer in Nigeria before taking a position as a security guard at the World Trade Center while studying for the bar exam and earning money to bring his family to the United States. Brooke Jackman was a bond trader preparing to get a graduate degree in social work because she “decided there were more important things in life than making money.” Both 9/11 and COVID-19 claimed victims from all points on the socioeconomic spectrum. One difference is that around half of American COVID victims were past the typical retirement age in the United States, yet their deaths were nonetheless tragic. The stories that reflected back on their careers were rarely straightforward. They included immigrant meatpackers trying to build a better life and nurses who prioritized patients at their own peril. Every one of these stories is about a life that was all too short. They all remind us that if we are fortunate enough to be able to choose what we do for a living, we examine for whom and why our work matters.

2. Days of Our Lives. Days of Our Lives. This show has had its high points and low points. The highs include its reputation as television’s most daring drama in the 1970s when it addressed then-controversial issues like interracial marriage. The lows? They include bringing back characters from the dead—one of them four times—which tanked reviews but boosted ratings. This apparent paradox is not unlike that which afflicts many workers in modern times, when our happiness reaches its lowest point in the same years that earning power peaks. Kathleen Gluck hit the lowest point of her life after she’d achieved the goal she had dreamed of since growing up in the shadow of a father who was a successful partner in a New York law firm. She had decided after college that the law was not for her, but the partnership was, and she was admitted to the exclusive club in a Big Four accounting firm when she was just 37 years old and had young children at home.

“Our happiness reaches its lowest point in the same years that earning power peaks.” If the economic value of our work defines our social status and sense of self-worth in society at large, it’s even more about the money at a firm founded by accountants trained to believe that everything that counts can be counted. Kathleen remembers that “there were daily reminders of [her] lack of value” and feeling that “[her] worth as a human was tied to what [she] produce[d].” She sat down one Thanksgiving to write her suicide note before resolving she wasn’t willing to die for her job. She got professional help and, thankfully, support from her fellow partners, who encouraged her to take time off. Never one to shy away from a challenge, Kathleen returned to the partnership, got a Ph.D. on the side, and chose to pursue some new professional adventures. But her story is a reminder that not everyone will emerge from the mid-career lows unscathed. It reminds us to ask: How should we plan and prioritize our working time to support our well-being at every stage of our lives?

3. General Hospital. General Hospital. Unlike most soap operas, the setting of this one is a workplace; however, the plotlines tend to be more about the patients than the providers. In one story, the victim of a bus crash saves the life of a patient needing a kidney transplant. In another, a patient dies from complications from AIDS, earning the show accolades for public health education. Our preference for stories about life away from work is probably associated with the old cliché that “nobody on their deathbed ever wishes they had worked more.” But that is not necessarily true of people whose work is worth it. People who are fortunate to find their calling at work not only tend to report higher job satisfaction but life satisfaction as well. Apropos of the theme of General Hospital, the healthcare workers we talked to demonstrated characteristic romantic markers of work as a calling. The calling was feeling a sense of destiny about their work as a worthy end they would rather pursue than anything else. Without their work, their existence would be less meaningful. They included Muri Raifu, who, when he was on scholarship from Ghana, got used to working three jobs while studying as a college student. Working two jobs as an adult is second nature to him. His first profession was as a neurosurgeon, and he used his earnings from that career to help finance a medical technology company that digitizes records to give patients greater control over their healthcare on his native continent. Healthcare is one of the prototypical calling-driven professions. These stories help to explain why work as a calling may be disproportionately represented in the so-called helping professions. But they can also inspire us to make a change when we feel stuck in work that is not worthy of us.

4. The Young and the Restless. The Young and the Restless. Unfortunately, “Do what you love, and you’ll never work a day in your life” is, at best, easier said than done and, at worst, simply false. The downside of work as a calling can lead to a life of overwork, underpay, and exploitation. The potential romance of loving your work probably leads a lot of young entrants to the workforce to feel excessive pressure to find their callings. It can also contribute to mid-career restlessness among those who are still searching. As a case in point, The Young and the Restless spawned the careers of Eva Longoria, David Hasselhoff, and Tom Selleck, probably leading legions of other actors to wish the same for themselves. But most of those on the show didn’t make it big. Chasing work as a calling all too often ends unhappily. Paul Gauguin was a French modernist painter who left the life of a stock trader to become a painter, abandoning his family in the process. One of his artworks would eventually set a record for the most expensive canvas ever sold at auction, but only after he died was his work recognized by the market. Jen and another one of her coauthors, Shasa Dobrow, a concert bassoonist, studied musicians who dreamed of making it big when they were young. Having a calling in music leads many musicians to systematically overrate their own talent relative to the evaluations of objective experts. They then ignore the well-meaning advice of their teachers, who advise them not to enter music professionally and set themselves up for years of restlessness and unfulfilled callings. “Chasing work as a calling all too often ends unhappily.” Of course, as we have already noted, working as a calling has both upsides and downsides, leading researchers to refer to it as a double-edged sword. Our conclusion is to resist the unrealistic pressure to “do what you love.” It’s okay not to love your work every day but instead to seek work that’s worth loving. Seek work that contributes to society, provides for your family, and makes possible life at work and beyond work.

5. Guiding Light. Guiding Light. All of these soap operas have stayed on the air for a long time, but Guiding Light was the most enduring. Guiding Light had a 72-year run that started on the radio in 1937 and continued on television until 2009. The title’s guiding light was originally imbued with religious imagery, referring to the lamp in the office of Reverend John Ruthledge, to whom people went for help with their problems. These origins are appropriate since the classical notion of work as a calling comes from God. More recently, a secularized notion of calling has emerged to refer to personally fulfilling and/or socially valuable work. What all these conceptions of calling have in common is that work can be one of our guiding lights toward leaving a meaningful mark on the world, a lasting legacy that endures after we are gone. Robert Guest could not care less about leaving a legacy. When we spoke with him, Robert was sitting in a car that he rents on Turo—think Airbnb for automobiles—a source of passive income that he lives on, combined with income from a part-time job as a street sweeper and disability payments from his time in the military. He looks back wistfully on his deployment in Afghanistan when he felt he was doing some good in the world, but for the most part, he thinks work is a waste of people’s time—a search for stability that too often results in boredom in a life meant for adventure. He was preparing to drive the converted school bus he currently lives in down the Pan-American Highway to Costa Rica, where he will park it on a beach. His dream is to be kidnapped by pirates, the ultimate sign that his life was well-lived, far from the workaday existence of his peers.

Should we care about leaving a legacy through our work? On the one hand, being overly concerned with your legacy seems egocentric but speaks to many human beings’ primal fear of oblivion. On the other hand, to be unconcerned with your legacy seems nihilistic about the possibility of enduring meaning. Worthy work has the potential to be one of the most important contributions we make to the world, so thinking about the legacy your work will leave can be the guiding light to help you imagine work that is worth doing in a life worth living.

This content was originally published here.

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