WASHINGTON (Reuters) – The U.S. Federal Reserve kept interest rates unchanged on Wednesday but said inflation likely would rise this year, bolstering expectations borrowing costs will continue to climb under incoming central bank chief Jerome Powell.
There’s really no such thing as the most secure browser.
In a poll in 2013, Firefox was voted as the most secure web browser. However, in a hacking contest in March of 2014, Firefox was deemed as the least secure after it went down to four zero-day exploits.
Because you can’t really rely on one browser to protect you and your data, it’s critical that you know how to make your favorite browser the most secure browser for you.
Here are some steps you can follow:
Check your browser’s default setting
The most convenient way to start using any device, including browsers, is by its default setting. It is, however, not the most secure way.
In fact, it can expose you to a lot of potential threats.
With your browser’s default configuration, hackers can easily access your program and even make internal changes without you knowing.
The best solution to that is to configure all your browsers as well as your operating system before use. Doing that can greatly increase your security.
Use only one browser when dealing with sensitive activities
Your computer probably has multiple browsers installed and that’s actually a good thing. It means you’ll be able to dedicate one browser for one activity only, limiting the risk of compromising your sensitive data.
Think of it this way:
You can use one browser to pay your bills or purchase something online. You can use a separate browser for researching and random browsing.
This way, if someone hacked the one you are using for general web browsing, the other browser won’t be compromised.
Of course, this doesn’t mean that using separate browsers will automatically protect your data. You also have to play your part to make your browser the most secure browser.
Security holes will keep on popping up as more and more security threats emerge. One of the few ways you can protect yourself is by updating your browser.
Make sure to follow your vendor’s instructions when updating your browser. If your operating system no longer supports newer browsers, it’s time to get that updated as well.
Browsers like Chrome and Firefox have an auto-update feature by default. If yours isn’t enabled, check if your computer’s firewall is preventing the auto-update or someone else has configured it the way it is.
Get an antivirus installed
A good anti-virus remains one of the best ways to stay protected on the internet. Just make sure that the one you are using is real as a fake antivirus software is already a security threat on its own.
And if you already have one, keep it up-to-date. Using an expired antivirus is more likely to put your security at risk.
Now, listen closely.
While you might think that the antivirus that came with your computer is enough to protect you, it actually isn’t. You see, free antivirus programs aren’t that comprehensive.
It can only provide limited protection and it can only detect certain threats. It has lower and slower scanning performance, too.
The bottom line?
Don’t skimp on your antivirus program and be sure to keep it updated.
Be careful in installing plugins and extensions
Extensions and plugins might look harmless but they can be extremely dangerous. They have access to your every move online. And because they know everything, you can just imagine the damage they can create.
They know what you’ve been searching and they can capture your passwords. These extensions can even insert advertisements in the pages you visit.
One problem with extensions is that they frequently require access to everything. For example, an extension that’s meant to make changes in Google.com will require access to everything related to Google.
Most of the time, that includes your email and Google account.
To stay safe, use fewer extensions and plugins as possible. If you aren’t using the ones already installed on your computer, uninstall them and stick with the ones you use frequently.
If you are planning on adding more, make sure to read the permissions they require.
Use pop-up blockers
Ads and pages that pop out of nowhere aren’t just annoying; they can also be dangerous.
By using a pop-up blocker, you’ll be able to prevent those ads from installing harmful malware on your computer. They can also prevent your screen from cluttering.
Now, if the website you are trying to access needs you to temporarily disable the blocker, remember to reactivate it once you are done.
Turn on fraud protection
There are tons of untrustworthy websites on the internet. If you aren’t careful, you can inadvertently visit one of those phishing sites and expose your sensitive information.
Phishing sites are sites that are made to look legit and trustworthy so that they can get your personal details. This includes your credit card number and password in your cached data.
To stop that from happening, always turn on fraud protection. It can blacklist known phishing sites so you won’t be able to access them.
Being able to log into your email or any of your accounts without typing your login details sound convenient. However, in terms of safety and security, it’s a totally different story.
Just think about what can happen when your laptop or device gets stolen or lost. It’s like giving away your personal login information to everyone.
For protection, always turn that feature off. You can do that by accessing your browser’s setting.
If you are using Chrome, for example, you can open its Setting window, select Advanced, and make the necessary changes in the Manage Password section.
In case you are using Firefox, access the Options window, select Privacy, and look for History. Once you are there, select Firefox will: Use custom settings for history and disable the Remember search and form history option.
These changes don’t take a lot of time. In fact, you can complete them in less than a minute.
WASHINGTON (Reuters) – In his State of the Union address on Tuesday, U.S. President Donald Trump spoke of unifying the country and delivering for the American people — and he has the opportunity to back up his words with action almost immediately.
WASHINGTON (Reuters) – U.S. President Donald Trump urged lawmakers on Tuesday to work toward bipartisan compromises, but pushed a hard line on immigration, insisting on a border wall and other concessions from Democrats as part of any deal to protect the children of illegal immigrants.
Spotify is testing an app that sees it move firmly into Pandora’s territory.
‘Stations’ is a new Android-only app that is being piloted by the company in Australia — it was first noticed by app analytics firm Sensor Tower on Tuesday.
This app offers a ‘lean-back’ option to listen to music based on genres and managed playlists. In the description, Spotify… Read More
NEW YORK (Reuters) – Amazon.com Inc , Berkshire Hathaway Inc and JPMorgan Chase & Co said on Tuesday they will form a company to cut health costs for hundreds of thousands of their employees, setting up a major challenge to an inefficient U.S. healthcare system.
Between writing essays, going into interviews, and managing deadlines, you refine several skills while you’re applying for college. Those skills are important because not only do they help you get into your dream college, but they can also help you find jobs and manage your career.
Here are some of the best college skills that can help you achieve success in your life.
KudosWall recently conducted a survey and found that creativity is king. In fact, 72% of admissions professionals say they accepted applicants who submitted creative admission essays over those who have better academic qualifications but failed to convey passion.
To put it simply, if you can learn how to think outside the box and effectively convey your passion and tell stories, you will improve your odds of getting into the college of your dreams. Better yet, you’ll also be able to impress potential employers with cover letters and resumes.
In fact, the Job Outlook 2017 survey from the National Association of Colleges and Employers found that 75% of employers look for communication skills (written) on resumes.
Creativity goes hand-in-hand with writing skills. According to a new report from the World Economic Forum, creativity will be the third most important work skill by 2020.
So, even after the college application process, you should continue improving your creativity and writing skills. You can take courses online through websites like Udemy and Coursera. You can also sharpen your skills by visiting writing centers and working on projects with a tutor or coach.
Communication, both verbal and nonverbal, is vital to building your career. As the same survey found, 71% of admissions professionals say they’re more likely to accept those who convey outgoing, friendly personalities.
Being outgoing doesn’t come naturally to many. However, that doesn’t mean you can’t learn basic communication skills. You don’t need to be a boisterous people person. You just need to know how to express yourself and tailor your style to different audiences.
In addition to that, you should also know how to follow up. 94% of admissions professionals who responded to the survey said they prefer applicants who follow up during communications.
Bottom line: When you exhibit strong verbal and nonverbal communication skills, you will ace interviews and thrive both in your academics and future profession.
According to a Graduate Management Admission Council (GMAC) 2017 survey of nearly 1,000 employers who recruit on business school campuses, good communication skill tops the list of abilities employers look for when hiring graduates.
A simple way to cut your teeth in communication is by putting yourself out there. Join professional and student organizations and attend events. Shake hands, meet strangers and build meaningful relationships with the community around you.
Active listening is a skill you can develop on a daily basis. It refers to your ability to fully concentrate on someone who is speaking and to understand the information they share.
During the college application process, you will be in contact with admissions professionals for a series of interviews. Half of those professionals conduct the interviews to assess your character as well as your personality.
Use this as an opportunity to let yourself shine and to become a great listener. Build this skill by giving your full attention, making eye contact, and ignoring your surroundings. Don’t plan out your response. Instead, hold onto your thoughts and focus on their ideas.
Show you’re listening by nodding in acknowledgment and provide feedback on what the speaker is saying when it’s your turn to speak. The best part about this skill is that you can practice it in daily conversations.
Networking is always valued in the professional world, but it can also benefit students looking to land their dream school. Six in 10 admissions professionals who responded to the survey said that people with large networks are more likely to fit into a college’s culture.
If you have a large network, you demonstrate that you can start and maintain meaningful relationships with others. With strong communication and active listening skills, you’re well equipped to start building your network immediately.
A big network pays off throughout your career because you will have more people to turn to for advice and guidance. You might even earn job referrals. An astounding 80% of professionals consider professional networking to be important to career success, according to a 2017 Linkedin survey.
Why? Because it leads to amazing opportunities.
The Linkedin survey also found that 70% of people in 2016 were hired at a company where they had a connection.
Networking is easier now than ever before, thanks to online communities. In fact, 61% of professionals who participated in the Linkedin survey agree that regular online interaction with their professional network can lead to possible job opportunities.
Be strategic in how you make connections and interact with them. Organize your network in a way that makes sense for you and plan outreach. Schedule check-ins with people you’re close with and consider how you can add value to their lives, like sending them an article they might enjoy or congratulating them on a new project they started.
Personal branding defines how you manage your online presence and how you present yourself to colleges and potential employers.
In the survey, 71% of admission professionals state that people who already have a personal brand have a major advantage over others. In other words, start defining your brand now.
Once you know what your strengths are, begin creating content that showcases your skills and share that content through social media. This helps you stand out during the college application process and throughout your career.
As a 2017 CareerBuilder survey found that 70% of employers use social media to screen candidates. They are looking for information that supports their job qualifications (61%), if the candidate has a professional online persona (50%), and what other people are posting about the candidate (37%).
The best part about starting your personal branding strategy before college is that your brand evolves with you. As you learn new skills or even change areas of expertise, you can update your online presence to reflect how much you’ve grown.
Soup is soul food, satisfying and warming on a cold day or night. Sometimes, though, you make a pot of soup that’s good and fine, but maybe you wish it were a little bit… better. Maybe you want to take this soup to the next level, and give it something extra to improve the taste, texture, or complexity of flavor.
Here are a few tips to take you beyond the recipe and make all your soups sing.
Waymo has ordered thousands of new Chrysler Pacifica minivans from FCA to help populate its autonomous ride-hailing fleet, which it will open to the public in 2018, the company says. The public launch of its Pacifica-based self-driving ride hailing service is set to occur sometime later this year, after Waymo starts testing its minivans without anyone behind the wheel, achieving true Level… Read More
For the first time, ride-hailing giant Ola is setting up outside of India. The company said it plans to launch in Australia in early 2018, and is currently signing up drivers in Sydney, Melbourne and Perth.
The latest Uber challenger follows in the footsteps of Estonian ride-hailing company Taxify, which launched in Sydney last December, and recently began operations in Melbourne.
On its website, Ola said it will initially charge a 7.5 percent commission from drivers. For the time being, it’s considerably lower than Taxify’s 15 percent, and Uber, which is around 25 percent. Ola is yet to reveal its entire fare structure in Australia. Read more…
MOSCOW (Reuters) – A Russian Su-27 fighter jet intercepted a U.S. surveillance plane over the Black Sea on Monday, prompting the U.S. State Department to protest the maneuver as “an unsafe interaction.”
WASHINGTON (Reuters) – FBI Deputy Director Andrew McCabe, criticized by President Donald Trump and other Republicans for alleged bias against him and in favor of his 2016 Democratic opponent, Hillary Clinton, has stepped down, U.S. officials confirmed on Monday.
MEXICO CITY (Reuters) – Mexico and the United States are looking into whether armed U.S. federal air marshals could be deployed on commercial cross-border flights, according to a document seen by Reuters and a Mexican official, as Mexico deepens security ties with its neighbor.
Hustle. Work harder. Sleep less, do more. Quit whining and get to work! All of these lines are terrible pieces of advice. I know because I’ve tried them all for myself. I worked 16 hours per day, killing myself to try and grow my business. At the end of the day, my only accomplishment was massive burnout and exhaustion. And then something happened… I discovered the real “secret” to high performance. No one’s talking about it while others laugh at it. For me, however, it helped me transform from being stressed, anxious, and on the verge of bankruptcy into a joyful, happy, and a 7-figure business owner. So, what’s this secret? Read on to find out.
Your Life is a Race Car
Have you ever watched Nascar or Formula One? If so, then you probably noticed that these high-performance vehicles are forced to stop several times over the course of a race to refuel and replace their wheels. Those cars are some of the most finely tuned, high-performing feats of modern engineering our world has ever seen. Yet, they are forced to stop dozens of times over the course of a race to refuel! This is obvious to most people, but when applied to life, most people would think, “Bah, I can sleep when I’m dead. Life’s for the living baby!” If that’s your attitude, then I want you to listen carefully to what I’m about to say. If you want to perform really well, then you need to get serious about refueling yourself. Just ask any bodybuilder you know. Unless they are hopped up on steroids, they will tell you that proper nutrition, high-quality sleep, and the right supplements are just as important (if not more so) than lifting heavy weights. So, how can you apply the “secret” of refueling to your life? It’s actually pretty simple. Focus on the “Three P’s” of high-performance refueling. Physical, psychological, and personal.
Refueling Yourself Physically
The first part of the “Three P” equation is also the most commonly practiced. Physical refueling. Whether you want to or not, every single one of you reading this has to spend time each day eating, drinking, and sleeping. It’s a requirement if you want to continue living. However, few people fail to do that. So, over the next month, I want to challenge you to do three simple things.
Sleep More and Sleep Better
Sleep deprivation can kill you. If you want to perform at the highest level, then you must take your sleep seriously. Here’s a checklist to help you get better sleep tonight.
Stop drinking coffee by 2 p.m.
Take 500 mg of Magnesium before bed.
Turn off all the lights.
Put the thermostat at 67 degrees Fahrenheit.
Take a cold or hot bath one hour before bed.
Drink one cup of chamomile tea with 2 tablespoons of apple cider vinegar and 1 tablespoon of honey.
If you will do these tips, I promise that you will sleep better than you have in months!
Many of you might hate me for this one (and I understand) but one of the changes that had the biggest impact on my physical health was reducing my meat consumption (specifically red meat) and increasing my fruit and vegetable intake. I’m not saying that you have to go vegetarian or vegan. I haven’t either. What I am saying is that the quickest way to boost your energy, reduce fatigue, and generally feel better is to eat more whole fruits and vegetables and less meat, dairy, and processed foods.
Practice Weekly Self-Care
It’s amazing to me how many of my friends will spend $997 on a brand new business course promising to transform their lives but they won’t pay $45 to get a massage after a long week of work. The final part of the physical refueling trifecta isn’t more exercise (although that’s important); it’s to find small ways to care for yourself weekly. Whether it’s a massage, a salt bath, 30 minutes in a steam room, or simply a long nap, you need to prioritize taking care of your body and doing things that add energy into your life.
Refueling Yourself Psychologically
While many people excel at refueling themselves physically, they still end up feeling stressed, burnt out, and exhausted (just like I did) because they don’t prioritize refueling their psychological tank. Just because your body is firing on all cylinders doesn’t mean that your mind is keeping up. Here are a few quick tips to help you overcome brain fog and refocus your mind.
Work in 42 Minutes
Although many experts suggest working in the traditional Pomodoro blocks of 50 minutes, I’ve found that I’m more productive when I only work for 48 minutes. Give it a try for yourself and see how effective you are during the day. First, write down your #1 priority for the next 42 minutes. Then, use e.ggtimer.com and set a timer for 42 minutes. Put your head down and work as hard as you can and then, when the timer buzzes, get up and take a break for 18 minutes.
Learn Something New Daily
Ironically, I’ve found that some of the most rejuvenating mental activities are also the most challenging. For example, if I sit down in front of the TV and watch Family Guy reruns for two hours, I will leave feeling drained and mentally sluggish. However, if I used those same two hours to read a good book, practice a new language, or toy around on my guitar, I leave feeling inspired and motivated to take on the day. Commit right now to learning or practicing something new and I promise that, 365 days from now, your life will look completely different.
Take a Morning and Evening “Braindump”
One of the simplest yet most profound techniques that I’ve ever found for clearing mental fog and refueling your psychology is to build a morning and evening “braindump” ritual. The practice is simple. Take a pen, a notepad, and your brain. Sit on the couch, set a 10-minute timer, and then write down everything that comes to your head. Whether it’s to-do list items, angry feelings about a fight you recently had with your spouse, or inner frustrations about a situation at work, get it out of your head. If you do this every morning and evening for a month, your brain will never feel the same.
Refueling Yourself Personally (or “Spiritually”)
Before you check out on me and roll your eyes because I used the “S” word, realize that I’m not referring to anything esoteric, religious, or “woo-woo”. I use the term “spiritually” very loosely, referring to those activities that recharge your “higher self”. Here’s what I mean.
Get Out for 30 to 60 Minutes Every Day
This one simple habit has the power to significantly reduce stress and rejuvenate your mind and body in ways you probably can’t imagine. We evolved to live in harmony with nature. In our fast-paced world, we often forget this and spend days, weeks, or even years without reconnecting to our roots and enjoying the great outdoors. Make it a priority to do something that you enjoy outdoors for at least 30 minutes a day.
Do Only One Thing
This might sound like an odd practice but you’d be surprised at how effective it can be as a refueling activity. In our day to day lives, we’ve seemingly lost the ability to focus on a single task. We’re never just doing one thing. We’ve always got something else going on in the background. So, I want to challenge you to take 15 to 30 minutes a day and just do one thing. Whether you sit and enjoy your morning cup of coffee in complete solitude, enjoy talking with your partner without distractions, or even just do your work without notifications going off in the background, learning to focus on one task at a time will help you conserve your energy and live a more fulfilling life.
Volunteer and Spend Time with Other People
The final way to recharge yourself spiritually is to spend time every month in service to others. Go volunteer at a local soup kitchen, clean up the trails near your home or sign up to build a house with Habitat for Humanity.
Barley is one of those grains that your grandmother probably always had in her pantry. And like many other treasures tucked away on those shelves, barley is chic now and a star ingredient on many trendy restaurant menus.
With this modernized recipe, we’re adding barley to a pot of vegetarian soup along with both dried and fresh mushrooms, and seasoning it with a surprising combination of soy sauce and balsamic vinegar.
The bowls of soup have a satisfying saltiness and an alluring sweetness—it’s an entirely new take on traditional mushroom barley soup.
Google has confirmed its investment in Go-Jek, the hail-railing service that rivals Uber and Grab in Indonesia. TechCrunch reported the investment last week, which was made alongside China’s Meituan-Dianping and Singaporean sovereign fund Temasek. The trio were part of a final tranche of a $1.2 billion round that Go-Jek began negotiating on last April, with commitments from the likes… Read More
“First off to the other nominees in this category…you guys are the reason i am in the studio pulling my hair out man…than you for blessing the world with your music,” he said, thanking his peers before telling a story about opening a show in Hawaii at the age of 15. Read more…
WASHINGTON (Reuters) – President Donald Trump’s national security team is looking at options to counter the threat of China spying on U.S. phone calls that include the government building a super-fast 5G wireless network, a senior administration official said on Sunday.
WASHINGTON (Reuters) – The U.S. Congress should revisit proposed legislation to protect special counsel Robert Mueller after President Donald Trump tried to fire him last year while he investigated the Trump campaign’s ties with Russia, two Republican senators said on Sunday.
WASHINGTON (Reuters) – U.S. Senator Joe Manchin, a moderate Democrat, said on Sunday he thought a new White House immigration plan was a good starting point, and he criticized House Democratic leader Nancy Pelosi for dismissing it as a way to “make America white again.”
Being stationed in Germany for six years gave me a deep appreciation for two things: beer and bratwurst (sausages) of all kinds.
This Brats and Beer Cheese Dip was born out of my love for this German fare and for hosting Super Bowl parties. Honestly, I have no clue about how football is played—I just love any reason to have a party.
KABUL (Reuters) – Kabul reacted in despair and fear on Sunday, a day after a suicide bomb in the center of the city killed and wounded more than 250 people in the worst attack seen in the Afghan capital in months.
WASHINGTON (Reuters) – Las Vegas casino mogul Steve Wynn resigned as finance chairman of the Republican Party’s fundraising arm on Saturday, a day after a newspaper reported that he routinely subjected women who worked for him to unwanted sexual advances.
So that flamethrower that Elon Musk teased The Boring Company would start selling after it ran out of its 50,000 hats? Yeah, it’s real – and you can pre-order one now if you want need a ridiculous way to spend $500. Musk revealed the flamethrower on Saturday, after some digging tipped its existence late last week. The Boring Company Flamethrower is functional, too, as you can see… Read More
Elon Musk’s “week or so” until the Falcon Heavy launch is now looking like it’ll be closer to two weeks.
The SpaceX founder confirmed on Twitter that he’s “aiming” to have a Feb. 6 launch for the private aerospace company’s largest rocket to date. It will lift off from the Apollo launchpad 39A at Cape Kennedy, Musk tweeted.
(Reuters) – Michigan’s attorney general on Saturday named a special prosecutor to lead an “open and ongoing” investigation of Michigan State University after campus sports doctor Larry Nassar sexually assaulted athletes over nearly 20 years.
Welcome to 2018! Our contributor Summer Miller is back to share her meal plans for the month of January.
January is always a reprieve from the hectic holiday season and the one month where our family is light on sports commitments. Fall soccer has ended, spring soccer has yet to begin, and the cold weather keeps us huddled together playing card games indoors.
It’s a month of renewal as I prepare for the flurry of activities that hit our home from February through July.
RIYADH (Reuters) – Saudi Arabian billionaire Prince Alwaleed bin Talal, detained in the kingdom’s sweeping crackdown on corruption, said on Saturday that he expected to be cleared of any wrongdoing and released from custody within days, with his vast assets intact.
Despite how active President Donald Trump is on Twitter, he rarely smashes that “like” button. But on Friday night, Trump liked” his 25th tweet.
The tweet concerned Steve Wynn, a billionaire casino mogul and RNC finance chair, over recent sexual assault allegationsAccording to the Wall Street Journal, dozens of people have accused Wynn of sexual misconduct, including pressuring employees to have sex with him.
By 10:25 p.m. ET on Friday, the like was gone, but the internet doesn’t forget so easily.
But Wynn isn’t just some guy to Trump, who also owns hotel property in Las Vegas. In 2016, Trump referred to Wynn as a “great friend.” A great friend who also donated $729,217 in entertainment to Trump’s inauguration through Wynn Resorts Ltd. Read more…
MONTREAL/WASHINGTON (Reuters) – A U.S. trade commission on Friday handed an unexpected victory to Bombardier Inc against Boeing Co, in a ruling that allows the Canadian company to sell its newest jets to U.S. airlines without heavy duties, sending Bombardier’s shares up 15 percent.
(Reuters) – The remaining directors of the U.S. gymnastics governing body are resigning in the wake of this week’s sentencing of the former national team doctor for molesting female athletes, USA Gymnastics said on Friday, complying with a demand by the U.S. Olympic Committee.
Your skin gets exposed to harsh conditions every day. There’s pollution, UV rays, dirt, and harsh weather conditions. If you don’t take care of your skin the right way, you can end up with a lot of skin issues, like acne, wrinkles, and sunspots.
So, how to get flawless skin?
On this article, you will learn ten easy beauty tips to keep your skin smooth and elastic.
Do regular cleansing
Cleansing is one good way to make sure no dirt, dead skin cells, and makeup residues can clog your pores. In choosing the right cleanser, it’s a good idea to consider your skin type.
If you have oily skin, go for oil-free cleansers. In case you are dealing with acne, you can use medicated soaps but make sure that they aren’t strong enough to irritate your skin. As much as possible, avoid cleansers with perfume, artificial colors, and chemicals as they can cause allergic reactions.
Wash your face twice a day. Do it in the morning and before you go to sleep.
Moisturize your skin
Most people tend to forego moisturizers, particularly those with oily skin.
The truth, however, is that moisturizers are essential in making sure your skin doesn’t get dry and dehydrated. Once that happens, your skin will produce more oil than necessary and that can spell problems for your skin. Excess oil can cause acne, clogged pores, and dull skin.
Apply your moisturizer right after cleansing, while your skin is still damp. This will ensure that you seal in as much moisture as possible.
This is another important beauty tip that you should include in your skincare routine. Having too much dead skin cells can make your skin look dull and it can also make you prone to clogged pores. It can even lead to acne.
When exfoliating, make sure to use something light. Skip exfoliators that contain highly abrasive ingredients as they can only cause more problems. Use gentle, circular motions when scrubbing and limit exfoliation to once or twice a week.
Apply a face mask
Every time you take your skin through the exfoliation process, follow up with a good face mask. However, since they can be expensive, you can try creating your own natural face mask. You can use papaya, lemon, or even honey to bring back your skin’s natural glow.
Put on sunscreen
If you’ve been skipping sunscreen because it feels greasy, you’re probably using the wrong product. The right sunscreen should feel light and natural on the skin without compromising protection.
Apply it every single day. Even if it’s a cloudy day, UV rays can still cause damage to your skin. It can make you prone to wrinkles, sunburn, and even skin cancer.
Watch your diet
Healthy eating can benefit your skin, too.
If you have oily skin, then you must avoid eating too much junk foods and sweets. Eat one fruit a day and drink at least eight glasses of water to flush out toxins. Include veggies in your meals, too.
Observing this kind of diet will eventually regulate the amount of oil produced by your skin. This is one of the ways to remove warts as well.
Alcohol-based toners can work on any skin type. Daily toning eliminates dirt and excess oil from your skin. If you can’t access rosewater, you can use other alcohol-free toners to regulate sebum.
Apply ice cubes
Ice cubes help to shrink pores, hydrate your skin, remove puffiness, and improve blood circulation. Rubbing ice cubes on the oiliest parts of your skin will regulate the oil generation and tone saggy skin temporarily.
Steam is another beauty tip you shouldn’t miss. It helps open skin pores, making it easy to free your pores.
Steaming your skin daily with mint leaves or margosa leaves in hot water for approximately three minutes allows minerals from the leaves to penetrate through the pores and extract extra oil.
Bonus tip: Choose the right serums and makeup
Use the right skin serums for your skin type as they can guarantee dramatic results. You can apply them after toning and before you apply your face creams and moisturizers.
Wait for your serum and other skin care products to dry or get absorbed by your skin before you do the rest of your makeup. This way, you’ll be able to prep your skin, leaving it glowing and free from breakouts.
WASHINGTON (Reuters) – The U.S. economy likely maintained a brisk pace of growth in the fourth quarter, driven by an acceleration in consumer and business spending, which could set it on course to attain the Trump administration’s 3 percent annual growth target this year.
NEW YORK (Reuters) – U.S. fund managers are betting that rising wages and the effects of the Republican-led corporate tax cut will prove a lifeline to middle-market retailers who have struggled to remain relevant in the age of Amazon.
(Reuters) – U.S. computer maker Dell Technologies Inc is exploring a range of options that could see the world’s largest privately held technology company grow further through acquisitions or going public, people familiar with the matter said on Thursday.
In an open letter, the head of Airbnb talked about being a relevant, useful, and purposeful company — and most importantly, one that doesn’t destroy society.
CEO and co-founder Brian Chesky laid out the company’s vision in the letter, and stressed the importance of appeasing not just employees and shareholders, but also the wider community outside of the Airbnb bubble — presumably including people who’ve accused the company of pushing rents higher in tight housing markets.
Even in a fluctuating financial market, you can always find a way to avail credit and access funds. The catch lies in choosing the right lender or financial product. If you are looking for a relatively flexible option with a lower interest rate, consider a personal line of credit.
What is a Personal Line of Credit?
A personal line of credit allows the borrower to use only the money he/she needs. Its variable rate of interest is typically lower than the interest rates on fixed loans.
While the lender approves your entire loan amount at once, the borrower only pays interest on the amount transferred for use. A personal line of credit lets you maintain a maximum loan balance account and gives you instant access to funds. This is a continuous revolving credit account and includes a maximum borrowing limit.
The credit limit will depend on the CIBIL score, which reflects the borrower’s creditworthiness. It’s based on his income and credit history. As the borrower repays a part of the amount, the interest is then charged on the remaining balance, which keeps reducing every month.
Personal Loan vs. Personal Line of Credit
A personal loan provides the borrower access to a fixed amount of cash for a predefined period where the repayment timeline remains fixed and pre-payment attracts an additional fee.
A personal line of credit, on the other hand, is available for use at any time. Its interest is not charged on the entire amount allocated to you. In a personal loan, the lump sum amount is disbursed to the borrower for one-time use and the interest is charged on the entire amount, regardless of the amount used.
Another major difference between a loan and a line of credit is the rate of interest.
The interest rate of a personal line of credit is generally higher than a personal loan. Yet, if you compare the closing costs of both, a personal line of credit would prove to be an affordable option. A personal line of credit is flexible, open-ended, and can be used for any purpose.
Interest Rates and Processing Fees
Banks and non-banking financial businesses are now offering financial products with the benefits of a personal credit line.
The generic charges and fees of such funds typically include:
Activation Fees – This is a one-time joining fee that lending institutions charge at the time of approving a personal line of credit or on withdrawal of funds.
Interest Rates – A line of credit has a variable rate of interest that depends on the borrowers’ CIBIL score and typically ranges between 16-25% annually.
Processing Fees – The lender may charge an annual maintenance fee of 1 to 2% of the approved amount. Certain lenders don’t charge an annual fee, but they do charge a processing fee every time the borrower withdraws money.
Applicable Taxes – Government taxes are levied on a personal line of credit wherever applicable and they include the interest rate.
Who Should Leverage a Line of Credit and When
Having a line of credit helps when you don’t need a fixed amount. It’s also useful when your monetary needs are spread over a timeline of a few months. It proves beneficial in case of medical emergencies, home improvement, vacation or a family wedding where you can never be certain of the amount you would need.
Both self-employed individuals and professionals who do not have a fixed income can benefit greatly with a line of credit. Borrowers can instantly access cash through the ATM, mobile banking or checkbook and get the needed amount any time, anywhere.
The Benefits of Using a Personal Line of Credit
Fast and Flexible– Borrowers can tap into funds as and when the need arises with a personal line of credit. While they have access to a large credit amount, they also have the freedom to use only what they need and pay interest on that amount only. Also, the repayment terms are relatively flexible for both part and lump sum payments.
Affordable– Since borrowers don’t need to pay interest on the entire amount that is disbursed, the cost is reduced significantly if the funds aren’t utilized completely.
No Charges on Withdrawal– Generally, there are no charges for withdrawing money.
Higher Limits– A personal line of credit usually comes with a higher limit as compared to personal loans and credit cards. This makes it a perfect solution for funding large expenses.
No Collateral Required– A personal line of credit needs no collateral backing. Even if you don’t have any financial reserve, you can make use of a line of credit.
Fluctuating Interest Rates– Being an unsecured product, the interest rates of a personal credit line keep fluctuating as bank interest rates go up and down. Borrowers may end up paying much more than what they had expected.
Revolving Account– This means that borrowers need to keep track of the amount due.
Stringent Approval– A personal line of credit is approved on the basis of the borrower’s CIBIL score. Those with a poor credit history may not be able to take advantage of it.
Maintenance Cost– Some banks and NBFCs levy closing costs or maintenance charges on a personal line of credit.
No Tax Deductions– The interest charged on a personal line of credit is not tax-deductible. A line of credit is a flexible instrument fulfilling the dreams of many professionals today. So, if you are planning to make the most of this financial product, make sure you are well-informed with the right knowledge.
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Living in a high-cost area has its perks. There’s a lot of high paying jobs, which means you have a lot more opportunity to earn. And since things can cost more, you’re less likely to consume them. This translates to lower living standards. Of course, those ideas don’t apply to everyone and not all people can live well in an expensive city. Whether you’re looking to pinch pennies or you’re struggling to make ends meet, here are some tips on how to reduce expenses when you live in a high-cost area.
Saving on your housing
Of course, your rent will be one of your highest bills. If you live in a city like New York City, expect the average rental rate to be around $3,000 per month for a one-bedroom apartment. While this number is nothing to sneeze at, you can bring this cost down by doing the following:
Renting with friends or a co-worker- Consider finding a roommate to slash your rent by 50%. You can ask your friends or co-workers. If you can’t find one, try Craigslist or post on your local Facebook marketplace. Just be sure to screen for your security.
Avoid the flashy areas– In most large cities, the rental opportunities are endless. And since they are in-demand, they are likely to cost more. Try to avoid those “flashy” areas and try to find a place that’s a few blocks away.
Saving on transportation costs
Transportation is a cost that can easily exceed $8,600 annually. The costs are derived from car payments, insurance, interest, repair costs, maintenance costs, gas, auto club fees, and more. When residing in an expensive city, the amount you pay out of pocket can increase every 6 to 8 months depending on the size of your vehicle and the length of your commute. The following are a handful of tips that can assist you in cutting or eliminating this (non-essential) expense:
Carpool/Ride-share– This option allows you to decrease the wear and tear and fuel costs of your vehicle. The cost of ride-sharing (Lyft, Uber, ZipCar) is a mere fraction of the cost of owning a vehicle of your own.
Utilize public Transportation– If you are in an area where public transportation is available, use it. It’s far less expensive than driving a vehicle around town.
Start decreasing your debt
You can decrease your monthly expenses by reducing or eliminating revolving debt. As you pay off your debts, you’ll receive fewer monthly bills and you’ll have more money to save. The following will show you a few ways to reduce debt and increase your savings:
Use balance transfers– If a debt that you’re currently paying is attached to a high-interest rate, consider utilizing a balance transfer. It offers perks, like an 18-month APR of 0%. You can also try rewards programs but be certain to factor in all transfer fees. It is also best to pay the transferred balance during the introductory period (if plausible).
Refinance– Contact your auto and homeowner insurance company and see if you qualify for a lower interest rate. A reduced rate can save you money over the life of your loan and this can make living in a high-cost area more affordable.
Consolidate loans– Consolidation can provide you with a lower interest rate and a greater chance to pay off the loan quicker.
Reduce credit card rates – You may be able to negotiate with your credit card company to reduce your current rate/s.
Use auto debt repayment plans– This will keep you from missing payments and incurring late fees or rate increases.
Spring clean and purge – Go through your home and gather unused or rarely used items. Once you have gathered them, sell them. This will give you some added income, no matter how small the amount may be. You’ll also be able to free up space.
Think about decreasing your energy costs
On average, American households spend approximately $2,200 annually on energy bills. Fortunately, advances in technology are making it easier for energy expenses to be slashed. Below are some ways to decrease your monthly costs for energy:
Seal your home– This will prevent drafts which is a common issue with energy efficiency. The loss of heat or cool air can increase your costs.
Use LED or CFL bulbs– These bulb types are (on average) four times more efficient than standard incandescent light bulbs. This simple change will save you $0.66 per month and (plausibly) $40 annually.
Reduce the temperature of your hot water heater– 14% of your home energy cost is from your hot water heater. By reducing the temperature to between 125 and 130 degrees Fahrenheit and installing a water heater blanket, you will drastically decrease that cost.
Install a thermostat that is programmable– This will allow you to decrease energy use when no one is at home, saving you money throughout the month.
Unplug– Any electrical devices that are not in use should be unplugged. Whether on or off, they are still drawing electricity and adding to your monthly bill.
Decrease your entertainment costs
Most people think of entertainment as dining out, heading to a movie theater or concert. Those are not your only forms of entertainment. Remember, you’re living in an expensive city so there are probably tons of low-cost entertainment options such as local museums or parks. Here are some of the things you can cut out to reduce your monthly expenses:
Cancel Club Memberships
Eliminate or reduce your cable/satellite bill– Utilize streaming services, such as Netflix or the PlayStation Vue. There’s no reason to pay $100+ per month for cable TV purposes.
Cancel magazine and newspaper wubscriptions– Read and view your favorites online for free.
Living in a high-cost area is doable and you can still successfully live in one if you’re smart with your money. Hopefully, by applying some of these tips, you can slash a few dollars off of your budget.
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