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5 common tricks scammers use

5 common tricks scammers use

Each day newsfeeds and channels carry reports about people getting scammed in some way or the other. The FTC received more than 2.8 million fraud reports in 2021, amounting to losses of more than $5.8 million. More often than not, those who think they won’t fall for scams are usually the victims. So if you want to protect yourself from scammers, here are five common tricks to recognize: Free trials This trick includes offers of free one-month trials of products or services, such as teeth whiteners and streaming platforms. All the scammers ask you to pay is a small amount when in reality, they hide the fine print that obligates users to pay a monthly fee. Further, canceling these subscriptions may also be an expensive process. So before signing up for such trials, ensure that you read the fine print and do not fall for testimonials on the site. A reputable company will usually let you cancel, get out of a contract, and negotiate a refund. Influencer giveaways Tons of influencers on video streaming platforms carefully curate content for their subscribers. Occasionally, they may even plan giveaways. But hundreds of scammers create similar profiles and add links to comments announcing free giveaways for the winners of a lucky draw.

Avoid these 4 mistakes to prevent financial fraud

Avoid these 4 mistakes to prevent financial fraud

In recent years, there has been a rise in online financial fraud incidents. Scammers and fraudsters use fake websites, emails, text messages, and phone calls to steal people’s personal data, including bank accounts and social security numbers. They employ various methods to deceive individuals into giving away their valuable private information, all with the intention of stealing their hard-earned money. To prevent financial fraud, here are some mistakes you should avoid. Don’t fall for claims that say you have won a prize One common method scammers use to obtain private information is by posing as representatives of popular brands or organizations. They may claim that you have won a lottery or that someone entered you into sweepstakes and you have won a large sum of money. But to receive this money, you will have to pay a fee. Under this pretext, they might steal your bank account information and siphon off all your savings. Do not fall for calls from scammers pretending to be from an organization you know Often fraudsters pretend to be representatives of the government. They use real names of federal agencies such as the Social Security Administration, Medicare, or the IRS. Some even make up names that sound official.

10 mistakes to avoid when selecting Medicare coverage

10 mistakes to avoid when selecting Medicare coverage

People living in the country aged 65 and above can opt for federal health insurance assistance in the form of Medicare, which covers comprehensive costs for known treatments. Even some younger individuals with disabilities or those diagnosed with end-stage renal disease are eligible for Medicare plans. It is divided into four parts and covers everything from hospitalization expenses to the cost of prescriptions. Here are ten common mistakes to avoid while enrolling for Medicare. Enrollment mistakes Medicare benefits become available as soon as a person turns 65. So, it is always beneficial to apply for Medicare policies in the initial enrollment period, open only for a fixed time. Enrolling late can lead to an increase in premiums that would have been otherwise affordable. Signing up for automatic renewals Never voluntarily opt for automatic renewal, as one can switch up plans and avail benefits under a different policy that can be changed once a year. So, consider the premiums, deductibles, and copayments and see if the new policy is worth it. Taking plans only for the premiums Premiums are just one aspect of the total cost of paying for insurance. One must also compare policy benefits, even if it means paying slightly higher premiums.

5 mistakes to avoid while remodeling homes

5 mistakes to avoid while remodeling homes

Homeowners opt for remodeling their home space for various reasons. They do it to change the existing furnishings or alter the existing space to create more room in the kitchen. While home renovation is a fun process, it can also be overwhelming. Furthermore, many homeowners make several mistakes that could worsen the look of the space once the renovation is complete. Here are five such remodeling mistakes that every homeowner must avoid. Purchasing cheap materials Many individuals purchase cheap materials when remodeling their homes to fit their budgets. However, when renovating a space, it is important to be strategic about what they choose to remove and replace with a less expensive alternative. Using inferior materials could result in these elements getting damaged faster and cost more to repair in the long run. If you intend to reduce costs, exclude items that do not impact the home’s overall design. You could always add these items at a later stage. For example, cabinets, hidden water bubblers, or high-end marble tile are some additions you could avoid. Going DIY for heavy alterations During remodeling, some homeowners take up a few projects themselves, such as hanging wallpaper, moving furniture, and painting walls. Doing so helps them avoid higher service costs that a professional would take to do the job.

6 common mistakes to avoid when designing a website

6 common mistakes to avoid when designing a website

Having a good website has become crucial for brands. A well-designed website can help you grow your business by attracting more people and guiding them to take the desired action. It can help customers place an order, click on useful links, and allow you to interact with them in the chat section. However, creating a site is not easy. Here are six common mistakes to avoid when designing a website. Cluttering the site with too much content While it is crucial to narrate your story through your website, you must avoid extensive paragraphs and too much text. The website should be concise and to the point, giving visitors a quick background about your offering. Cluttering the website with too much content will take attention away from the main product or service, and you may not receive as many desirable actions to reach your goal. Not having a CTA Not using the right Call To Action or CTA may leave visitors feeling lost. A CTA tells visitors what you would like them to do. These are usually short phrases to convert a visitor into a customer or a follower, such as Add To Cart, Shop Now, Sign Up For A Free Trial, etc.

6 useful tips for a DIY oil change

6 useful tips for a DIY oil change

Changing the oil on your vehicle may look straightforward enough. But often, the simplest tasks are the ones that can result in unexpected problems if you are not paying attention. Just investing in premium quality oil to keep the engine running is not enough; you also need to follow the proper steps to ensure there are no engine troubles arising from poor maintenance. Here are a few simple tips to get you started right. 6 useful tips for a successful DIY oil change Buy the right oil You cannot just use one motor oil for different vehicles. Note that motor oil comes in different forms of density and viscosity, each formula unique to the engine that needs servicing. So, before comparing the best brands to buy premium motor oil, check and confirm if it matches the engine and vehicle configuration. Your vehicle manufacturer will mention the type of motor oil suggested for the current make, year, and model. Do it step by step The first thing to do is use the correct size wrench and unplug the oil filter. You need to first unlock the pan screw and allow the old engine oil to drain. It is better to use a jack to lift up the car so that you have more space to work with rather than trying to fit under the vehicle when it is sitting level.

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Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Even during non-festive periods, smartphones sell like hotcakes in online and offline stores. Most tech enthusiasts routinely feel the need to get their hands on the latest models of their favorite smartphones. With Black Friday 2023 still several weeks away, shoppers can check out the features of their favorite smartphones. All the estimated deals listed in this article are based on the existing retail discounts, and buyers can expect similar bargains this Black Friday. High-range smartphones 1. Different variants of Apple’s iPhone make up the top 4 of the bestselling smartphones in the country. On many retail sites, devices such as the Apple iPhone SE 5G are being sold with discounts that range from about $200 to $250. This means that there is a high percentage chance that similar or better deals will likely emerge for such devices when Black Friday looms closer. The Apple iPhone SE 5G offers fantastic features such as lightning-fast processors, 5G connectivity, 4K video recording capability with 60 FPS, the unique Dynamic Island display, IP67 water resistance, and many more. 2. Samsung’s Galaxy devices come second in the sales pecking order after Apple’s iPhones when it comes to the smartphone market leadership. With the presence of Black Friday looming on the horizon, users can expect great deals on their favorite Galaxy smartphones. For instance, the Galaxy Z Fold 5 is available on many retail sites with existing discounts ranging from 10% to 15%. Shoppers may possibly find such (or better) discounts during the upcoming sale period. The Galaxy Z Fold 5 is a one-of-a-kind foldable phone packed with incredible features such as a massive display, dual-app viewing, immersive gaming experience, super AMOLED screens, and many other niceties. 3. A device that is likely to offer massive discounts during Black Friday is the Google Pixel 7.

10 Incredible Black Friday Deals to Expect on Laptops in 2023

10 Incredible Black Friday Deals to Expect on Laptops in 2023

Laptops combine the power of desktops with the portability of smartphones, making them suitable for several tasks. But this is also why they tend to be pricey. Unsurprisingly, many wait for sales like Black Friday to buy the model of their choice. Below are ten types of laptops and the Black Friday 2023 deals one can expect on them in the coming months. The discounts listed are based on last year’s sale and current prices. 1. Dual-screen laptops Unlike older dual-screen models, newer ones are much more efficient and non-gimmicky. They have secondary displays with anti-glare capability that perfectly complement the primary screen. A great option is the ASUS Zenbook Pro Duo UX581. It comes with a 15.6-inch 4K UHD NanoEdge touchscreen glossy main display, a cutting-edge Intel Core i7-9750H Quad Core Processor, and a 14-inch 4K matte touchscreen for seamless scrolling and usability. Last year, Amazon sold specific variants of the Zenbook Pro Duo for a discount of 15% in the run-up to Black Friday. 2. Gaming laptops Gamers need laptops that are responsive, less prone to overheating, and armed with high-end graphics cards. In short, they seek devices that will not leave them high and dry in the middle of a high-octane, graphics-heavy game by being laggy and annoying. Thankfully, several gaming laptops tick these boxes, an example being Lenovo’s IdeaPad Gaming 3. The device has incredible features, such as the latest AMD Ryzen 6000 Series processors, GeForce RTX 30 Series GPUs, and Rapid Charge technology to boost battery by 40% in just 15 minutes. Amazon reduced the price of specific IdeaPad Gaming 3 models by $300 last Black Friday, so gamers can hope for similar savings in 2023. 3. Chromebooks Those who prefer the ultra-reliable Chrome OS can check out Acer’s Chromebook 315. It has a powerful Intel Celeron N4020 dual-core processor, a full HD IPS touchscreen, and over 12 hours of battery life!