4 common online banking scams and how to avoid them

4 common online banking scams and how to avoid them
Technology allows one to manage finances and make transactions within seconds using one’s phone. But on the flip side, technology makes it easy for people to fall prey to online banking scams. Scammers typically exploit credit and debit card users or people having payment applications on their phones. So, those using online banking should be wary of such scams and tread with caution. Here are some common online banking scams and how to avoid them. Phishing scams Phishing is when scammers send text messages and emails to individuals, persuading them to share their personal details. Such details may include passwords, account numbers, one-time passwords, etc. With such information, they access one’s email accounts and bank accounts and take away their money. Sometimes, these messages or emails may also ask one to click on a link provided to complete a certain action. The person’s account is hacked the moment this link is opened. So, one should never disclose personal information over text message or email, even if the sender appears genuine. If it seems like a bank-generated message, it is best to call up or visit the nearest bank branch and check with them if they had actually sent such a message.

6 common online shopping mistakes to avoid

6 common online shopping mistakes to avoid
Online shopping has become an increasingly preferred option for purchasing. The Internet has sites and applications that sell everything from daily needs to luxurious wants. However, the online shopping world has its pitfalls, some of which can alter a customer’s online shopping experience. Learning about mistakes is crucial to steer clear of potential pitfalls. This, in turn, will enable shoppers to make the most out of their shopping experience. Here are a few to avoid: Not reading description A critical mistake shoppers make when shopping online is not checking product descriptions. Product descriptions are sections that can provide buyers with essential information about the product. It can contain the item’s dimensions, features, material used, and potential care options. However, missing reading the description might cause the shopper to end up with a product that may not meet the customer’s requirements. Overlooking reviews Another mistake shoppers make during online shopping is failing to check product reviews. Reviews from other buyers provide valuable insight into the product’s quality, functionality, and durability. Ignoring these reviews will also mean the shoppers could be stuck with a product that does not meet their expectations. Taking the time to read reviews helps shoppers understand the product and adjust their expectations.

6 mistakes to avoid when using debit cards

6 mistakes to avoid when using debit cards
As many parts of the world are steadily moving toward a cashless economy, debit cards are becoming highly popular and accepted modes of payment. These cards can be used for shopping at all major retail stores and withdrawing money instantly. Also, most debit cards offer lucrative benefits, such as rewards, cashback, and no annual fees. But to get the most out of debit cards, it is important to avoid certain mistakes. 1. Using too many debit cards As different banks offer different deals and benefits on debit cards, many tend to use multiple cards to benefit from a variety of offers. But such deals and offers come with additional fees, so, the more cards one has, the higher the aggregate fee one would have to pay. These extra charges can increase the expenses. So, it’s best to have a maximum of three cards to avoid spending too much money on fees. 2. Using debit cards for big purchases A debit card uses the funds deposited in the cardholder’s bank account. So, if one tries to pay an amount that exceeds the total balance in the account, the transaction may bounce. For this reason, it’s best to use a credit card for large transactions so that one can repay the amount flexibly until the deadline.

Avoid these mistakes while booking sports tickets online

Avoid these mistakes while booking sports tickets online
With the internet boom, most people now prefer buying their tickets online. Not only is it convenient, but it also saves money—especially for those highly valued match tickets. Of course, this shift has been supported by making online infrastructure accessible to more people, allowing ticket prices and demand to soar like never before. However, in the hunt for the right tickets, people often end up making expensive blunders. Not verifying the seller One of the biggest mistakes people make when buying tickets today is not verifying the seller. Scammers make use of this to run their sinister ploys, resulting in major losses and a lot of frustration for ticket buyers. To avoid this, one must always verify the seller before they fill in any personal information or finalize their purchase. So, how does one do this? The best way to avoid these scams is to stick to reputable sources. Check the official ticketing or ticket resale partner for the event and only purchase from them. Ensure that these are reliable (often well-known) sites with many positive reviews. Lastly, check the prices of the tickets— if they look too high or too low compared to the official numbers, it may be a potential scam.

4 Frequently Asked Questions regarding Medicare and its coverage

4 Frequently Asked Questions regarding Medicare and its coverage
Medicare is a federal health insurance plan available for people over 65, those with disabilities, and individuals with ESRD. It ensures that people needing high-quality, inexpensive healthcare coverage receive it. However, the various regulations involved in Medicare can make it confusing. If you are eligible to receive its benefits, you should know its coverage and, more importantly, its limitations. Here are some frequently asked questions regarding Medicare that might help clear confusion. I spent more than six months in a nursing home after a crucial surgery. Will Medicare cover my medical costs? The Original Medicare, a fee-for-service health plan provided by the federal government and Medicare Advantage, does not cover long-term care expenses. Unfortunately, this also includes long-term stays at nursing homes. Usually, long-term care involves some of the highest healthcare costs, especially for retirees. Basically, Medicare does cover limited stays in rehab facilities. For example, Medicare will cover your costs if you undergo hip surgery and need inpatient therapy for multiple weeks. However, the prices of long-term stays at a nursing home are beyond Med icare. To address this, you can consider buying private long-term care insurance. Or, if you have limited savings and income, you can check if other federal health programs can assist you.

7 household items that may cause cancer

7 household items that may cause cancer
Certain environmental factors are among the most common cancer-causing agents. However, when people discuss environment-based carcinogens, not many focus on the threats within the household. Several household items pose just as grave a danger as radiation exposure for vulnerable people. The risk is more significant as people spend more time indoors than away from home. That said, here are a few household items linked with cancer that one should vary of: Non-stick cookware Non-stick cookware is a staple commodity found in most, if not all, homes. Non-stick items are helpful to avoid soaking utensils in water overnight and scraping off stuck food from pans. However, non-stick cookware is created using a chemical compound named polytetrafluoroethylene. This chemical is the main component of such cookware’s “non-sticky” coating. Several research studies have found that polytetrafluoroethylene is a carcinogen and can cause other harmful health effects and allergies if consumed for long periods. While purchasing cookware, one can check the percentage of polytetrafluoroethylene and look for substitutes. Couches and sofas Now, couches and sofas are the default resting spots for most people. However, the health risk associated with couches and sofas goes much deeper than how they make people averse to daily exercise.

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9 most common types of depression you should know about

9 most common types of depression you should know about

All of us feel low, upset, and unmotivated at some point in our life, but this isn’t classified as depression. Depression is a mood disorder that overshadows a person’s thoughts, feelings, and actions. Signs and symptoms of this grave disorder can range from feeling hopeless and tired to completely losing the will to live. There are several types of depression and they are listed below so you can understand depression and people suffering from it better. Major Depression (Clinical Depression) The hallmark trait of this type of depression is the constant feeling of sadness or loss of interest in social life or any outside stimuli. It often lasts for two weeks or more in which a person can experience symptoms such as hopelessness, fatigue, and suicidal thoughts. Dysthymia (Persistent Depressive Disorder) Dysthymia lasts for years and can disrupt daily life and interfere with personal and professional relationships. Individuals with dysthymia are often seen as dark, pessimistic, or complainers by others, and they have a hard time being happy in typically pleasant situations. Manic Depression (Bipolar Disorder) People with manic depression experience high degrees of mood swings. Their train of thought can take them from feeling euphoric to feeling suicidal in just a few weeks.
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Simple and practical guide points for expecting parents

Simple and practical guide points for expecting parents

Pregnancy is a new experience in every couple’s life, and one should understand a few things to ensure that the nine months are smooth and stress-free. Simply being prepared for pregnancy and looking forward to the joy of parenthood is not all there’s to childbirth. As a couple, you must understand, review, and adjust your lifestyle. Expecting mothers become their child’s nurturers and supporters from day one, but the expecting fathers, close relatives, and friends must also understand the key roles they will play right up to the due date. Here are a few simple family and pregnancy guide points to help you and your folks get started: Staying healthy Physical and mental wellbeing is extremely crucial for the expecting mother to ensure both her and the baby’s health. Diet plays a crucial role in this process, as the mother is now providing nutrition for the developing fetus as well as herself. As a family, you can take turns to ensure that the to-be mother is staying physically active, eating healthy and regularly, and not cultivating any bad habits. More importantly, family and loved ones should be prepared for the changes to come in the upcoming trimesters. Coping with changes – what to expect Morning sickness in the first trimester is quite common and can put a woman’s body under tremendous stress.
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