Uncategorized

Should I Buy an Electric Vehicle?

Millions of people throughout the world now drive an electric vehicle (EV). That number is expected to rise in the coming years, as people ponder whether their technology, features, and benefits make them worth their while. Given that everyone’s needs are different, choosing a car to suit your lifestyle can require a bit of research. Could an electric vehicle be right for you? The following information may be worth factoring into your decision.

Source:technologyreview.com

Running Costs

Some EV owners have reported spending just a quarter per mile of what they would spend on a petrol-powered car. However, the cost savings can be higher or lower, depending on your electricity costs. For example, someone using solar energy to power their home and car could make even more savings than someone accessing power entirely from the grid. If your electricity company offers lower rates at certain times of the day, taking advantage of these rates may also put more money back in your wallet.

Overall Costs

Regarding running costs, electric vehicles are leading the way. As it turns out, they are also leading the way in Total Cost of Ownership (TCO). A report compiled by the International Council on Clean Transport (ICCT) compared the costs of a fully electric VW Golf to plug-in hybrid, petrol, and diesel versions in five European countries.

In the report, the costs associated with the vehicle purchase price, tax, and fuel were examined. Over four years, EVs were cheaper in all five countries included in the study – Norway, Netherlands, France, UK, and Germany. The price difference in Norway was the greatest, with EV ownership at 27% cheaper than petrol, diesel, and plug-in hybrid vehicles. The lower costs were associated with tax reductions, purchase price subsidies, and less expensive fuel costs.

EV Insurance

Source:cover.com

Insurance is something that many people factor in the decision-making process when purchasing a new vehicle. Not everyone is aware of whether their insurance even covers an electric car. When requesting car insurance quotes from various companies, it pays to make it clear that you own an EV. You can visit this site for car insurance quotes. However, there shouldn’t be too many differences between an EV policy and a petrol or diesel-powered policy.

You can still expect options like collision insurance, medical payment coverage, liability coverage, comprehensive coverage, and personal injury protection. However, what’s also worth considering is your home insurance. If you have installed a vehicle charging station, it can be worth phoning your insurance agent to advise them as you may require additional liability coverage.

Maintenance Requirements

Mechanical bills for petrol-powered vehicles can be astronomical. The complicated makeup of internal combustion engines means any number of things can go wrong at any time. However, even the coolest electric cars don’t come with substantial maintenance costs. They tend to feature electric drive trains with very few moving parts. Tires, brakes, windscreens, wiper blades, and washer fluid are often the extent of your duties. The batteries may require repairs and replacement, but they can last several years before you need to invest in a new one.

Options

When the first EVs hit the market, there weren’t too many options for everyday consumers to choose from. Now, though, you can fit almost any vehicle with an electric power-train to turn it into an EV. From buses to bikes, trucks to trains, you should have no problems choosing an EV to suit your needs.

You can even purchase hybrid EVs that operate with a combination of an internal combustion engine and an electric engine. With a hybrid, you can enjoy superior fuel efficiency while also emitting less carbon dioxide into the environment.

Fun Driving Experience

Source:mashable.com

Electric cars are high-performance vehicles, and they are becoming more advanced by the day. With those advancements comes some outstanding benefits for drivers, like an incredibly quiet driving experience. Unlike a petrol or diesel-powered vehicle, the occupants of an EV can have a conversation without having to raise their voice over the sound of the engine. Electric engines are also smooth to run, responsive, and provide incredible torque.

Surprisingly, that fun driving experience is also enhanced through preferential treatment across many towns and cities. Given that some businesses offer EV charging stations, parking is often provided to EVs at store frontages. Some cities may even allow EVs to use high-occupancy and carpool lanes, as well as free public charging stations.

Financial Incentives

It might seem strange, but governments sometimes offer tax credits and other financial incentives for people to purchase electric vehicles. Essentially, you’re getting paid to buy a new car. Federal tax credits of up to $7,500 are available for many plug-in hybrids and all-electric vehicles purchased new from 2010 onward. The credit amount is based on the battery capacity, and some models are exempt.

If you’re not eligible for a federal income tax credit, you may qualify for state or local incentives. These vary throughout the country. In California, rebates up to $5,000 on purchased or leased EVs may be available. If you live in Delaware, you may be able to receive a refund on residential and commercial charging stations of between 50% to 75%. It’s always worth asking your local EV dealer about available tax credits when you start browsing their lot.

Advanced Technology

Electric vehicles are at the cutting edge of technology, given that they are so new to the market. While you get to benefit from a fuel-less approach to travel, many other advancements are also bound to capture your attention. Keyless ignition, touchscreens, Android and Apple connectivity, and incredible battery life are just some of the many new features you can expect. The more high-performance and advanced the EV, the more exciting features you can expect to see.

Choosing a new vehicle can be challenging at the best of times, but we’ve now got more options at our disposal than ever before. Given that EVs can save you money and the environment while being insured similarly to petrol-powered vehicles, they may be worth a closer look. You may be surprised at how they not only meet your expectations but exceed them.

9 Hidden Costs Of A DUI And How To Avoid Them

DUI, or Driving under the influence, is not illegal per se, however, it’s not recommended in any way. Driving under the influence of drugs or alcohol cannot possibly end well. Even if you don’t end up in an accident and everyone goes unscathed – if you get pulled over and deemed unable to drive, things are about to get really ugly for you. There are all kinds of consequences at play here – from having a slumber party at the local jail and your driver’s license getting suspended to losing thousands upon thousands of dollars in various fines and hidden costs. Today, we’re going to talk about those hidden costs which you may not know about, how they can change your life for the worse and ultimately how you can avoid them. Let’s get started.

1. Fines & Court And Attorney Fees

Source:thervo.com

The first and one of the major costs of DUI is not exactly a hidden one, but the amount might surprise you. If you manage to avoid jail time, community service, licence suspension and all of the usual punishments – you probably had the best lawyer in the world. However, you’re not going to get out of paying fines, court costs and eventually the attorney’s fee. Now, costs can vary significantly, depending on the state, how intoxicated you were, whether you had to post bail or not and more. On average, all of this is going to cost around $5000. You could end up paying less, but you could also end up paying upwards of the $10,000.

2. Towing And Impound Fee

Source:insurify.com

Considering the fact that you’re unable to drive, being arrested for drunk driving and all that, your vehicle is getting towed and impounded. As we all know, this fee is everything but insignificant. You could end up paying between $500 and $1000 to get your car back.

3. Education Program Costs

According to Dmvedu.org, what usually happens after a DUI conviction is that the convicted party has to go through some sort of drug or alcohol education program. If you’re lucky, you might end up with an 8-hour online class, but that’s highly unlikely. However, ending up in group counselling or months of classes doesn’t happen that often, as well. In most cases, you’ll end up with 30 to 60 hours of online classes if this was your first offence. Once again, your bank account will feel it since this could cost you $700 or more.

4. Reinstatement Fee

Now, once you lose your driver’s licence – you don’t just get it back, you have to pay a reinstatement fee which will set you back about $500 in most cases.

5. Insurance Costs

Now, these are the ones you should really be worried about. After a DUI conviction, in the eyes of the insurance company, you’re a high-risk driver, which means, your premium costs are about to skyrocket. Now, this could vary, but in most cases, you would see an annual increase from a $1000 to even $3000 in your premiums. Now, keep in mind that this is not a one-year thing. Chances are you’ll be considered high-risk for at least 5 years. You do the math on that one.

6. BAIID

Source:illinois-defenseattorney.com

This breath analysing device is going to be in your car for a year after you’ve been convicted of a DUI. Once you factor in all the costs like installation, rental fees, monitoring and so on, you’re looking at another $1500 out of your bank account.

7. Income Or Job Loss

If you’re lucky and you don’t end up fired you’re looking at least one month of ‘unpaid vacation’. If we take an average American salary, for example, that means you’re looking to lose another $4000 for not being able to work. If you lose your job on the other hand – only you know how much that will cost you.

Now, spending money on lawyercarl is something that you’re aware of and you’re paying for a good service – the one you actually need, so that’s okay. However, if we do the quick math, in the best case scenario – ‘hidden’ costs will set you back at least $10,000. On average, we’re looking at $20,000 to $25,000 and if you’re really unlucky, well, let’s not go there. It could ruin your life, let’s keep it at that. Keep in mind, that’s a first offence we’re talking about. Repeated offenders can and will lose a lot more than that.

Now, how can you avoid them?

8. Hire A Good Lawyer

Source:medium

A good lawyer can get your case dismissed. This is by far the best thing you can hope for in case you’re arrested for DUI. Not only will it benefit your financial situation, but it’ll affect the other aspects of your life as well. Not serving jail time, avoiding training and counselling, not paying high-risk insurance rates – this could save you a lot of money and emotional trauma. Even a night in county jail could leave some scars.

9. Keep Of The Road

This is the best advice anyone could give you. Want to save money and not end up handcuffed in the back of the police car? Don’t drink and drive. It’s as simple as that. You may feel like you’re more than capable of operating a vehicle and even if that’s true – don’t do it. You might injure yourself or the others. If you get pulled over and your BAC is over 0.08 an officer has a right to arrest you. You could be at 0.09 and feel absolutely sober – you could still end up arrested.

So, if you’ve had a few drinks – call a cab, phone a friend, order an Uber or just walk home. There are so many things you could do instead of sitting behind the wheel. Everyone’s unreasonable when they’re under the influence, we get that. However, try and reason with yourself and listen to others if they tell you not to drive.

If none of this matters to you because you just have more money than you could possibly spend and you don’t care about the costs – think about the risks. Over 10,000 people die annually in accident caused by drunk drivers. Over 300,000 are injured in some way. Don’t be a part of that statistic, don’t drive under the influence.

Assessing the Year 2020: 6 Trends and Innovations in Education

The field of education is constantly evolving. Every year we are being introduced to new trends. And the faster technology advances, the quicker these trends alternate.

Apart from technology, there are also a number of other factors that stimulate changes in the educational field. One of such factors turned out to be the ongoing global pandemic.

It forced us to break the traditional academic system and adjust to the new rules. And this fact also brought a number of trends that might be staying for good.

What are the main innovations and trends we’ve seen in the educational sphere in 2020? In this article, we are going to answer this question. Let’s dive in!

Source:freepik

Education in 2020: Top 6 Innovations and Trends You Need to Know About

The traditional classroom is long left in the past. Over the past decade, the learning system has transformed completely. Instead of focusing on delivering as much knowledge as possible, today’s teachers focus on engaging students and delivering the best learning experience. And this is only a small part of all the changes that are already there and those that are only evolving.

Although this field is changing constantly, it seems like the past year has brought us the most changes. So, what has 2020 brought to us? To help you keep up with time, we’ve gathered some of the most significant tendencies of the outgoing year.

Online Help

Online academic help has been trending for quite a while. Many students from all over the world have long discovered the benefits of delegating their tasks to professionals. However, in 2020, this trend began to gain momentum even more.

Being unable to get in-person tutoring and assistance really enhanced the demand for online academic help. Online writing services like Essayhelp.com, editing services, freelance tutors – all of these are extremely popular these days. Such services help students stay afloat even in the most complex situations and still perform great at schools.

If you still don’t have such a helper by your side, be sure that you are falling behind. It is an absolute must-have for every student!

Bite-Sized Learning

Young people’s attention span has significantly changed over the past decade. The deeper technology integrated into our lives, the lower got students’ ability to concentrate and stay focused in the classroom. And the problem keeps growing bigger.

According to studies, the average attention span of a modern student is only about 10-15 minutes. This fact forced teachers and schools to look for another approach to training in order to find new ways to engage their students and keep them focused.

This brings us to one more tendency we can observe in 2020. It is bite-sized learning. In a nutshell, this strategy implies delivering the educational materials in smaller chunks. Such an approach allows teachers to make the program appear easier and less intense. At the same time, it makes lessons much more interactive and engaging.

Source:freepik

AR

This next trend has been topping for the last few years. As technology evolves, education specialists find more and more exciting ways to integrate it into the learning process. And one of the most innovative and exciting changes we are observing currently is the integration of AR (Augmented Reality) that brings education to a whole new level.

In the nutshell, AR merges virtual and real worlds. The main advantage of AR in the learning process is that it delivers an interactive, hands-on experience and makes the process much more efficient and fun.

With the help of AR, students can look inside the human body, take a trip to space, and learn complex concepts from the inside. And all this can be done right from the classroom. This is one of the best tendencies and we believe it has the potential to stay with us.

Distance Learning

Source:educationcorner.com

One more big shift we’ve seen in 2020 is a global switch to distance learning. This year, due to the lockdown, it was a forced measure. However, it might as well become a new big thing in education.

At this point, distance learning is still in its infancy stage. The global pandemic has shown us that most of the schools around the world were not ready for this change. Many teachers lack the technical background and skills to ensure a smooth and effective workflow in an online environment.

However, those issues can be easily overcome. With some decent training and effort, we can bring distance learning to a new level and that’s when everyone will be able to enjoy all the benefits it can offer.

Being able to study at home can give students enough flexibility. Also, it can make self-paced learning possible, which is also a good thing. Thus, this is one more trend that is out there and, with some slight adjustments, it can transform the field of education.

Exam Management

Source:eswiftsoftware.com

Since so many students were forced to study from home in 2020, many schools have also moved their exams and tests online. This turned into another trend – AI-powered exam management.

This solution turned out to be pretty good in many ways. First of all, it ensures learning continuity by allowing pupils to take their exams from anywhere. At the same time, it is also very beneficial for teachers. Not only does it make it much easier to track students’ performances and monitor tests fairly, but it also allows tracking any signs of cheating.

The Bottom Line: Focus on Soft Skills

Source:innovationatwork.ieee.org

Finally, the last (but definitely not the least important) academic trend in 2020 is the focus on soft skills. For decades schools made emphasis on building up pupils’ hard skills. As of now, everything has changed.

In a modern workplace, soft skills tend to be valued much higher than hard ones. Due to this fact, the academic program is gradually adjusted to help students meet the needs of today’s employers and survive in a highly competitive environment. Schools now focus on preparing new generations for their future careers, and that’s also a great change!

Do Insurance Companies Hire Private Investigators?

If you have an ongoing legal case where you’ve perhaps been hurt and want to recover damages, you have to be careful about your lifestyle. There’s a very real chance surveillance is going on to determine if you really are hurt and your claims are true.

If you’re used to living a luxurious lifestyle or even an especially active lifestyle, you might want to hold back a bit during ongoing litigation.

As the Gomez Trial Attorneys states, if you were injured in a slip and fall accident, you do have injuries, but they’re not necessarily impacting your ability to travel or do certain things, like working out or going skiing.

Is there a chance the insurance company working against you could hire a private investigator, uncover these activities, and it could derail your lawsuit? The answer is maybe.

The following are things to know about the potential for insurance companies to hire private investigators.

Do Insurance Companies Watch You?

Source:monsenso.com

If you’re living the high life in the midst of pending litigation, yes, in some cases an insurance company might be watching you. You have the remember the entire objective of an insurance company in these instances is to pay you as little as they possibly can.

Social media is a big way for insurance companies to see what you’re doing even without hiring a private investigator.

For example, if you post social media photos of a luxury Caribbean vacation, but you’re supposed to be injured after a car accident, it can be a problem. The insurance company can say you aren’t as injured as you were claiming to be.

Source:carandbike.com

Insurance adjusters can and do try to damage crash victims’ credibility, so think twice about living the big life until everything is settled and finished.

There is a wide range of monitoring options they can use, discussed below.

How Do Private Investigators Surveil Accident Victims?

It can seem intrusive and wrong that a private investigator would be treating you like a criminal after you were hurt in an accident, but again, you have to frame this from the insurance company’s perspective. Their only goal is to avoid paying or to pay as little as they can.

Private investigators may use the following tactics when surveilling accident victims.

  • Electronic surveillance includes looking at your social media posts and scouring the internet for any other information that could be damaging to your case.
  • Stakeouts are also called fixed surveillance. In these situations, an investigator might watch you from a particular location to see who you’re with and what you’re doing.
  • The use of an unmanned device can track your activities from a particular location. Technically, this is known as stationary technical surveillance.
  • An investigator might also be assigned to track you throughout your day, monitoring all of your activities.

It’s common for investigators to use a combination of these tactics so that they’re nearly always watching you.

Private investigators might be hired to look into all sorts of claims, including slip and fall, product liability, personal injury, disability insurance, and more.

While the insurance company ultimately doesn’t want to pay if they don’t have to, there are real instances of fraud they are trying to avoid.

Is It Legal?

It is generally speaking legal for a private investigator to follow you. As long as there is no reasonable expectation of privacy, then there shouldn’t be a legal issue on the part of the investigator or the insurance company.

If evidence is collected in a public setting, it’s legally obtained in most cases.

Of course, there are limits on what private investigators can do.

For example, they can’t trespass onto your private property or go into your home without your consent. They can’t hack into your accounts or devices or put a tracking device on your vehicle.

They also aren’t allowed to impersonate a law enforcement official.

So what should you do if you’re worried you could find yourself in this situation?

Protecting Yourself from Private Investigators

Source:revealpi.com

If you’re in the middle of a lawsuit, you need to be careful and vigilant. You need to make sure that you’re mindful of what you’re doing when you’re in public and even working around your home.

If your treating doctor told you not to do a certain activity, then don’t, at least for the time being.

The more severe your injury, the higher the value of your case. In high-value cases involving potentially severe injuries, it becomes increasingly likely your insurance company would use a private investigator.

Know your rights in these situations, and if you aren’t sure, speak to your lawyer.

If you see someone trespassing, tell them to leave. If they won’t, you may need to get law enforcement involved.

You should also go over your social media accounts with a fine-tooth comb.

Limit your accounts to private settings or delete them altogether.

Think not just about what you’re posting on your own profiles, but what friends and family members might be posting about you. Don’t accept friend requests from anyone you don’t know.

If you have already been under surveillance and you’re worried about what the private investigator may have found out, a personal injury lawyer can work to minimize the impact.

Signs a Private Investigator is Watching You

Source:pinterest

What are some signs you’re being watched?

If you see the same car or persona behind you or near you repeatedly, take notice. If you can see a license plate, write it down so you’ll remember the next time. Does it look like there’s a car frequently hanging around your neighborhood?

Many private investigators will use similar types of cars such as sedans or vans that are neutral. They may have tinted windows. In some cases, private investigators may even use service vehicles.

If you’re in the midst of a legal case, just be very watchful about what’s going on around you and thoughtful of your actions. It can make a difference in whether or not you receive a substantial settlement.

Why Web Hosting Privacy Matters and 5 Places to Get It

You must worry about a myriad of things when considering web hosts.

Your privacy is one of them.

Well, depending on what you need a website for, it’s understandable if extra privacy isn’t top of your list. But who wants to leave their privacy to chance? Online privacy is an increasing concern for 53 percent of internet users worldwide.

So people are taking great strides to keep their digital residue down to a minimum.

If you read on, you’ll know why your web hosting privacy matters and five hosting providers that offer anonymous services.

Why Web Hosting Privacy Matters

According to some websites the hosting service marketing is nearing $154 billion. Hence, it’s easier to find niche hosting providers that take your privacy needs seriously. If you need to host a simple personal blog, chances are you may prioritize design and ease of use over other features. But for users looking to remain private, that’s a different ball game.

In our digitally connected world, it only makes sense that you’d want to keep your personal information away from hackers, third-party brokers, and identity thieves.

But that’s not all there is to it. Hosting your website anonymously keeps you away from certain legal risks and limitations due to jurisdictions.

Technically, when you host your website in countries like Sweden, or Iceland with strong (and entrenched) privacy laws, you’ll be saving yourself a lot of trouble.

Another reason why web hosting privacy matters is because your government may spy on you.

Some countries’ governments make it difficult for people to air their views through:

  • Censorships
  • Regulations
  • Taxes, and
  • Criminalization

Individuals either stop running some kinds of businesses or risk jail time.

However, if you worry about leaving digital residues or hosting controversial content, you must be picky with your hosting provider.

Read on to see five hosting providers that offer you complete hosting privacy.

5 Web Hosting Providers That Offer Privacy

Some of the criteria to keep in mind when searching for anonymous hosting providers are:

  • A “no-logs” registration process. (by email alone)
  • Anonymous payment gateways through cryptocurrencies
  • Domain privacy protection.

The following hosting providers tick all the boxes and more.

Bahnhof

Bahnhof is a web hosting provider and residential ISP based in Sweden. They provide clients with secure cloud solutions and maximum security against mass surveillance and data leaks.

Bahnhof powers its secure data centers with 100 percent green energy and flourishes under Swedish favorable data protection laws.

While Bahnhof caters to users with traditional data center needs, it also provides cloud alternatives with Virtual Data Center (VDC), Virtual Private Server (VPS), and colocation services.

Bahnhof has four customizable VPS packages on OpenStack. Small, Medium, Large, and Custom, which users can customize with the following features:

  • 1-24 vCPU
  • 1-128 GB VRAM
  • 5-2000 GB VHD SSD
  • Linux

Bahnhof is notable for hosting the infamous yet anonymous WikiLeaks. They also run a certification process for data centers that use renewable energy called Triple Green.

Tranquillity

 

Tranquillity is an environment-friendly, no-logs hosting provider in Sweden. They live up to their “no-logs” feature and are cautious of leaving digital footprints on the internet.

You can make payments through Paypal and Bitcoin and contact them through secure channels like GnuPG and XMPP.

Tranquillity offers the following web hosting features.

  • VPS – €8 per month (VAT inclusive)
  • 100 Mbit(no traffic limits)
  • 1GB Ram
  • 30GB SSD storage
  • IPv4
  • IPv6
  • UPS

However, they charge up to €5 per month for extra storage. And €50 plus VAT for commercial internet connection.

OrangeWebsite

OrangeWebsite is an Iceland-based offshore hosting provider, offering anonymous hosting solutions since 2009. They encourage uncensored speech and guarantee data privacy for users.

To show their commitment to privacy and freedom of speech, OrangeWebsite allows clients to host Tor relay and exit nodes on their VPS servers.

They require only an email address to sign up and receive anonymous payments via Bitcoin and Monero. However, they also accept payments via PayPal and bank transfers.

OrangeWebsite has three hosting solutions:

Shared (cPanel) Hosting

The shared hosting package has four hosting plans with the following features:

  • cPanel plus SSL security.
  • SSL-secured webmail.
  • Spam Assassin.
  • Green Site Seal.
  • osCommerce Shopping Cart.
  • Softaculous one-click installer.
  • WordPress, Boonex Dolphin, Drupal, and 330 other scripts.

Virtual Private Servers (VPS)

This hosting package has seven fully-managed hosting plans. It allows one dedicated IP address and root access.

It offers cPanel, Windows web servers, Encompass, Linux distributions, and other pre-installed control panels.

You can also get a dedicated CPU core, advanced DDoS protection, and a secure external backup service for an extra charge.

Dedicated Servers

This package has four dedicated server plans with these features:

  • Four dedicated IP addresses
  • Quad-core processor
  • Root access
  • DDoS protection
  • Pre-installed control panels
  • Free setup
  • 24/7 support.

Your options will vary based on RAM, disk space, processor, and bandwidth.

FlokiNet

FlokiNet is another provider that offers friendly, anonymous hosting. Like OrangeWebsite, they’re also based in Iceland and accept payments in Bitcoin, Monero, and Paysafecard.

The company also has encrypted data servers in Finland and Romania, offering secure, flexible, and autonomous hosting solutions since 2012.

They provide a unique set of tools and features to help you build websites and maintain your privacy without cutting on performance.

FlokiNet provides shared hosting, virtual private servers (VPS), and dedicated servers as hosting solutions. These solutions come with the following features:

  • Installation of a desired operating system
  • SSH access
  • SSD storage
  • SSL certificates for all domains
  • 9 percent uptime
  • Free migration assistance
  • DDoS/firewall protection(in Romania only)
  • Softaculous app installer
  • Requires only email to sign up
  • Legal adult content (on Finnish and Romanian servers)
  • Accepts several cryptocurrencies and other payment options

FlokiNET also offers services like penetration testing, Team Speak, and secure VoIP to protect your IT infrastructure and allow smooth digital operations.

Greenhost

Greenhost is an eco-friendly web hosting company based in the Netherlands. They support DNSSEC and specializes in encryptions and open source applications like:

  • GlobaLeaks
  • Etherpad
  • VPN/Viper platforms
  • Zimbra mail and collaboration server and more

Greenhost offers three hosting plans – Basic, Professional, and Premium packages. And a Virtual Private Server with Ceph, SSD, and Xen as pillars.

Points to Remember

Aside from primarily paying with cryptocurrencies and offshore data centers, an anonymous web hosting plan works like a regular or local hosting plan.

Typically, the features vary according to the services each package offers. But, complete data privacy, site performance, and reliability are set-in-stone features, you must look out for when looking for a web host.

10 Common Cash Loan Scams & How to Avoid Them

Fraud is constantly happening around us, and it is becoming an increasingly common phenomenon. The reason for that is the great development of internet companies and among so many companies there is always a certain number of scammers that people should pay attention to. However, how to protect yourself from such types of fraud?It is a question that has plagued a large number of people, but we have the answer to it. Since most of the work is done over the Internet, a lot of sites are not legitimate and they are just a danger that is constantly lurking. Such an organization steals from people both money and personal data. In this way, without your knowledge, they impose loans on you, and by the time you realize this, the debt is already so great that you cannot repay it.

Source:thecitypointclub.co.uk

On the other hand, there are those who do not stop annoying people through various ways of communication such as calls, messages and more. In the end, they did exactly the same as the previous fraudsters. Don’t allow yourself to find yourself in the role of a victim of loan scam, and we will explain to you below how to avoid them.

Scammers use various tricks to entice you to fall prey to their offers and thus take away all your money, some of the most common attempts they use are:

1. Payment in advance

Source:blogs.tallysolutions.com

As much as this may seem to you exclusively as a harmless compensation that the lender can reasonably ask of you, be careful. Why do we say that? We advise you for this reason because this can only be the background of some illegal action. Isn’t it suspicious that someone there is asking for money without prior service?

You will agree with us that it is by no means logical to give someone money while asking them for a loan. If you come across something like this, 99% is a scam. Those real lenders will expose you to all the fees and the future process in advance, and generally nothing is paid in advance.

2. Offer via telephone

Source:smefinanceforum.org

Did you know that it is not legal to offer loan over the phone? If this happens to you, by no means be gullible. Any type of offer must be exclusively in written form and in no other way. It must also contain all the necessary fees.

3. Wire transfer

Before any cooperation, check who you are dealing with. You need to immediately look for the address of your lender and investigate with the help of a lawyer or financial regulations who you are dealing with. This means that you need to make sure that the lender is doing the job legitimately. It is a sign of alarm if you have not done anything, and he asks you to hand over some kind of compensation. This is an alarm to do what we advised you to do.

4. Failure to check your credit rating

Source:investopedia.com

Every lender that does legitimate work will first check your credit status. This assessment refers to checking the possibility of cooperation, because if you are not creditworthy, you will not be a suitable candidate. On the other hand, if you have communication with someone who is not interested in your creditworthiness at all or approves your large loan – this is not good. They are probably not legal business and you have nothing to do with such a lender for your safety. The only exception may be rapid cash offers and you can click here for more info.

5. Suspicious name

The post office box address of the lender is very suspicious. Experienced scammers often use the names of other companies or use their locations to look authentic to you. Don’t fall for something like that, but check immediately with the help of companies that deal with this, and they will confirm everything you need to know.

6. Personal information

You know very well that the main target is the personal information of many fraudsters, not only when it comes to credit, but also everything else. However, this is a good reason for them to ask you for something like your personal data. Of course, you will not have your social security number, account number, etc. give it to anyone, so don’t trust a potential lender right away.
Before you take any step in cooperating with him, first check if you are dealing with the right one. Our advice is to provide such information exclusively to a credit institution for which you have all the evidence that they are operating legitimately.

7. State registration

This is another way you can detect a scammer. More precisely, before entering into a business relationship, you can always check in your state where the person is registered. Every lender must do this if they are legitimately engaged in loan intermediation. Of course, you need to take more steps to make sure you do business with the right people, but this is definitely one of them that will bring you closer to the truth.

8. Reviews

Reviews are a great thing that can say a lot about something. Look at it this way … When you want to watch a movie or go to a new restaurant, be sure to look at the reviews and mostly decide on that. On the other hand, it doesn’t hurt to watch a bad movie or make a mistake with a restaurant. However, if you do it for less important things then imagine how much you risk with important things like money or personal data. If you make a mistake, the damage is huge and sometimes irreparable. Focus on reputable lenders, and you can do it very easily – via Google or social networks. Today, at least, it is very easy.

9. Customer Service

Source:gmrit-solutions.com

Try to find customer service, and if it does not exist, then it is a very suspicious. It is best to bypass such companies, and don’t even settle for bots. Every respectable company in this business has this service and all the necessary answers to questions as well as other additional information.

10. Red flags

These are some more warning signs that we haven’t listed, and you may not notice because they are very small and sometimes negligible. However, open both eyes in this case and keep in mind that serious lenders will never make stupid mistakes. These are errors like spelling, punctuation, or grammar. This is simply not professional, and that raises doubts as well.

Conclusion:

We hope that this text has helped you see ways in which you can avoid all the pitfalls that lead to loan scam. It is important that you adopt our advice, because today fraudsters are finding new ways every day, as internet technology develops more and more.

Best Fat Burners for Belly Fat 2020

Don’t you just hate that moment when you step in front of a mirror, or you try to put on your favorite pair of jeans only to realize that they are too tight and that they don’t fit you anymore? Yes, we agree, there isn’t a realization that is more frustrating than this one.

Sometimes, it seems that no matter how hard you try, you cannot lose those last few pounds. You eat healthily, avoid junk food, and try to exercise a few times a week, but still, they won’t go away. Have you ever considered using supplements? The marketing is flooded with fat burners that will help you on this quest.

Your body might just need a little bit of help, and these products might be the answer. In this article, we are going to introduce you to some of these products, but if you want to learn more about them, understand how they work, what their pros and cons are, you should click here. Naturally, the most important thing that you have to do regardless of what product you choose is to read the instructions and the list of ingredients carefully.

Alpha Lean-7

Source:catesnutrition.com

As already mentioned, there are many products on the market right now, but it seems that none of them can come close in comparison to Alpha Lean-7, which has been on the leading position for four years in a row.

This feature comes with two major benefits. Firstly, it will suppress your appetite, which is something that we all want and need when trying to lose weight and improve our health. Secondly, it provides you with a thermogenic effect that will enable you to quickly burn that excess fat and get back in the best shape.

Instant Knockout

Source:elasticwaist.com

Instant Knockout is another product that is going to help you greatly in the process of losing weight if you combine it with fitness and a healthy diet, of course. This fat burner contains 10 natural ingredients, and it doesn’t include any artificial sweeteners and is rich in zinc and vitamin B that will boost your energy.

The key feature of this supplement is that it isn’t only going to improve your metabolism and fat burning potency, but it is also going to boost your insulin regulation and digestion, meaning that it is quite beneficial for your overall physical well-being.

PowHer

Source:veganliftz.com

PowHer is a fat burner, created especially for ladies, as you can assume from its name. Some of its most important ingredients are coffee extract that is going to boost your energy, chromium that will control the sugar levels in your blood, and therefore, eliminate the cravings, choline to improve your metabolism, and numerous other types of minerals and vitamins.

The only downside of this product might be that caffeine extract. Some people are addicted to it, and cannot function without it, while others are not so crazy about coffee in general. As you know, too much caffeine can cause some side-effects, so if you fall into the latter category, and want to avoid these, you should look for another product.

The Muscle Sculptor

Source:youtube

If your main goal isn’t only to lose weight but also to build muscles, you should definitely explore this fat burner further. This product will provide you with a double effect, which is why so many people swear by it. Naturally, depending on your physic, you might only have a few pounds to shed, but let’s be honest – extra muscles are never a bad thing. If you are looking for a way to sculpture your body and look like a Greek god, there is no need to look further than this fat burner.

JYM Shred

Source:mrsupplement.com.au

Oftentimes people want to try some items that were created by professionals. We are not talking about chemists, but actual people who make a living and have built a successful career in a certain line of work. JYM Shred is designed by Jym Stoppani, a famous bodybuilder who also has a PhD in exercise physiology.

The main feature of this fat burner is that it includes six ingredients that are chosen carefully to complement each other and work as one. Besides green tea leaf extract and caffeine, this product also includes synephrine and cayenne pepper fruit extract that are highly beneficial for your metabolism.

Even though it doesn’t consist of as many ingredients as some other fat burners do, the fact is that the right combination of these is all that you need.

Cellucor Super HD

Source:c4energy.com

If you are looking for a powerful fat burner, meaning something that doesn’t require a high dosage, then this is definitely a product for you. Instead of taking multiple pills like you would have to if you were to choose some other product, only two of these will be enough to help you get back on the right track fitness-wise.

This fat burner includes some extra ingredients such as Alma fruit extract, Yohimbe bark extract, Huperzine A, and dandelion root extract that will not only provide you with the effect you are looking for, but they will also increase your energy levels and focus.

PhenQ

Source:ebay.com

PhenQ is a fairly new product on the market, but the fact that it has risen to popularity quickly tells you enough about its power and effects. The great thing about this one is that not only does it help your body burn fat cells, but its formulation also prevents new ones from forming.

Compounds such as piperine, niacin, and capsicum boost the thermogenesis power of your body, cactus extract that is rich in fibers suppresses your appetite, and chromium picolinate regulates the sugar levels, meaning that you won’t be faced with the cravings that can sometimes be impossible to deal with.

Another great thing is that this fat burner is vegan-friendly, and also that all ingredients are completely natural. Still, due to the fact that it contains a high dose of caffeine, you might want to think about purchasing some other fat burner if you are not the fact of the buzzing effect caused by caffeine.

How to Create Your Own Gaming Zone in 5 Easy Steps – 2020 Guide

/

Every gamer often fantasizes about owning a gaming room due to the improved gaming experience that comes with it. Gaming has been shown to have numerous benefits, including its proven educational benefits. It has been around for over half a century and will be here for a longer time. However, creating your own gaming room requires a lot, from the planning to the execution stage.

Many gamers spend a lot of time in their rooms, playing online, so it’s pretty normal and expected that they want to create a gaming zone there. Sometimes, it means that they need to buy a few things and put them in the room, so they can create a real kingdom, where they are free to play any time they want. That means they need to have a great computer, but also a lot of places where they can store the games, headphones, and other tools and equipment that are used to improve the whole gaming experience. If you have an idea of what you want, but you still don’t know where to start and what to do, this article is the right one for you. You will get a few basic ideas and you can improve them following your personal experience.

We have put together a step-by-step guide to help you create your own gaming zone.

Step 1: Prepare a Checklist

There are many things to consider while creating a gaming zone and having a checklist ready can help save you some stress. Start by making a list of the things you need to set up, the most common being the controllers, wires, CDs, and setup cable antenna. You will also want to consider a gaming TV stand, a keyboard and a mouse, one or more monitors, electricity installation, good speakers, chairs and tables, and other things according to your preference. Don’t go to the store without this checklist. As you take one product, you cross it and move to the next. It’s always better to have this list with you, than to forget something and go back to the store or mall a few times.

Step 2: The Decor of the Room

The decor is a very important part of gaming, as it also helps shape and improves your experience. For example, you will need a good gaming chair because you will be spending a lot of time sitting and you want to ensure your furniture is comfortable for you, like the ones at Autonomous. Most people try not to spend too much on furniture but remember to always prioritize your comfort even if it means spending a fair amount on a comfy chair. Also, you can harm your spine if you use a bad chair, and that will later result in chronic pain and many other disorders and health issues.

You will also need a gaming desk that meets the requirements and size of your gaming chair. If you can’t find a proper desk, you can always order a custom-made one, that will have the right design and dimensions. You could opt for the one with storage shelves or drawers to store your games, controllers, and other accessories. Installing soundproof panels on your ceilings will not only make the room appealing but will also provide real quality sound while gaming. They will also “save” your family and neighbors from the game sounds, that some people simply don’t like to hear all day.

Arrange your sound systems and speakers properly and keep wires unknotted and out of sight as much as you can. If you plan to spend long hours of gaming, you should consider getting a mini-fridge to keep some snacks and beverages. You will get hungry at some point and you won’t be able to leave the game and take something from the kitchen. That is why this mini-fridge is a great solution for that.

With proper decor for your gaming room, your gaming experience would go a notch higher.

Step 3: Fix the Lighting

Start by choosing a paint color for your walls to ensure that it creates the perfect balance with the lights. Add some artwork and decorations to the walls for a better sight. Then, buy a few ultraviolet LED tube lights to make you feel calm and comfortable while bringing out the beauty in your gaming room.

You can get LED Strip Lighting to combat the darkness in the room. Place the LED strip lighting along with your ceiling or under your desk. You could also changers the color, brightness, and strobe effect from time to time if the model you chose has that feature.

Other creative ways to fix the lighting is by plastering the walls with colorful graphic prints and posters. You can also decorate your desk with artificial plants to keep the place colorful and refreshing because those plants are important for the air you breathe for the whole day.

Step 4: Know Your Requirements

For PC gaming, it is important that you get the devices with the proper requirements to give you the best experience. Many sellers allow the customers to combine the units they need for the exceptional gaming experience, so you can prepare the configuration requirements at home, and the only shop what you need when you are at the store. The key things you would need includes:

Desktop: get a wide desktop with high definition and clarity.

Keyboard: when choosing a keyboard, ensure it is stiff, non-breakable, easy to use, and can last for a long time. You could also consider one with good effect and clarity.

Mouse: get a lightweight gaming house that is ambidextrous, comfortable to use, and has a high performance.

What Makes a Gaming PC?

Some of the key things a gaming PC should have include:

  • Motherboard
  • Processor (CPU)
  • Memory (RAM)
  • Storage drive (Hard drive or SSD)
  • Graphics Card (GPU)
  • Power supply (PSU)
  • Cooling (fans, CPU cooler, etc.)

Other requirements for your gaming setup include speakers, wires, microphones, headphones, and a recorder.

Step 5: Keep it Clean

To make your equipment last longer while you have the best gaming experience, ensure you keep the room dust-free. For example, computer coolers can spread the dust all around the room, and the particles can enter your body through the nose, or stick to your food and drinks. Always cover the equipment with cloth or plastic to prevent dust particles from coming in and keep the room clean and tidy often.

When your gaming zone is untidy and messy, you won’t be able to find anything there. Also, many studies already showed that people who stay longer in dusty and messy rooms can develop breathing problems, but they are often more anxious and feel stressed on a daily base. We know how important is the game for you, but you must find time to clean the zone and make it more comfortable for you. Use only computer-friendly cleaning products, so you won’t damage your equipment.

Bottom Line

Any gamer can set up their own game zone, regardless of their budget or preference. Setting up your gaming zone might take a few months or up to a year, which could depend on a lot of factors, including your income and expenditure. That is why you need to plan this remodeling and set a budget that will allow you to choose the best computer and other things that you need for it. You can always find budget-friendly options and create a gaming zone without spending too much money. But when it comes to the chair, desk and the computer you use, you shouldn’t set for less than the best.

1 2 3 7