It’s a question that many of us ask at some point in our lives: How much does life insurance cost?
To properly answer this question, of course, depends on a variety of factors that cannot be ignored such as age, health history, and the amount of coverage you need. All these factors play a huge role in how much you will pay for life insurance. In this article, we’ll take a look at some of the factors that affect life insurance rates, and offer some tips on how to get the best deal on a policy.
6 Factors That Affect Life Insurance Rates
Age is one of the most important factors in determining life insurance rates. In general, younger people are cheaper to insure than older people. This is because younger people are generally healthier and have a lower risk of death than older people. As you age, your health will likely change, and you may develop conditions that increase your risk of dying. These factors will all be taken into account when insurers calculate your rates.
Your health is another important factor in determining life insurance rates. If you are healthy, you will likely pay less for life insurance than someone who is not as healthy. This is because people who are healthy have a lower risk of dying, and thus pose less of a financial risk to insurers. Insurance companies will take your medical history into account when calculating your rates. If you have any pre-existing medical conditions, or if you have a family history of certain diseases, you may be required to pay more for life insurance.
3. The amount of coverage you need
The amount of life insurance coverage you need will also affect your rates. The more coverage you need, the more expensive your policy will be. This happens because the insurance company will have to, and must, pay out a larger death benefit if you die. You should only purchase as much coverage as you need, and no more. Otherwise, you may be wasting money on unnecessary coverage.
4. Your lifestyle
Your lifestyle can also affect your life insurance rates. If you have a risky hobby, or if you engage in risky behaviors, you will likely pay more for life insurance than someone who leads a more sedate lifestyle. This is because people who engage in risky activities have a higher risk of dying than people who do not. Insurance companies will take your lifestyle into account whencalculating your rates.
5. The type of life insurance policy you purchase
There are two main types of life insurance policies, and they are term life insurance and whole life insurance. Term life insurance is the cheaper of the two options of life insurance coverage because it only provides coverage for a set period of time, typically 10-20 years. Whole life insurance is more expensive, but it provides coverage for your entire lifetime. The type of policy you purchase will affect your rates.
6. Your gender
Gender also plays a role in determining life insurance rates. In general, women tend to pay less for life insurance than men. This is because women have a longer life expectancy than men, and thus pose less of a financial risk to insurers.
With these six factors, you can derive a reasonable rate for your life insurance without any issues.
If you want to lead a comfortable and worry-free life, then you need to prioritize the health of yourself and your loved ones. As you look at the facts and figures inferred by various studies and researches, you will get to know that there has been an increase in the cases of critical illnesses over the last few years. According to the study published by the planning commission of India, the instances of cardiovascular diseases due to stress and improper diet, are going to increase significantly.
Now, the crucial thing is to prepare yourself for an unfortunate situation. You need to make efforts to protect the health of your family. A family health insurance policy with critical illness cover is all that you need. It will not only provide your financial safety by meeting your medical expenditures but also keep you stress-free.
Who Can Take a Critical Illness Cover?
If you are wondering who can take a critical illness cover, then the answer is – “all of us.” Though it depends on the insurer to insurer, most of the insurers offer a critical illness policy to people who are more than 5 years of age and usually less than 65 years of age.
A medical emergency can happen to anyone, irrespective of age. But, if you have a family history of a critical illness, then it becomes more significant for you to get covered against the impending risk. Also, if you have certain financial responsibilities and have a few dependants, then for your family’s financial security, it is a wise decision to get critical illness cover.
Though the sooner you take the policy, the better it is, but the individuals who are more than 40 years of age and are yet to take coverage against critical ailments must do so at the earliest.
You may also not need to go for pre-policy medical check-ups to buy the critical illness cover. It may interest you to know that this policy does not require you to submit any special documentation. You just need to fill in simple details online and make a payment. However, in the case of a pre-existing medical condition, you may be required to submit certain medical documents.
Advantages of Critical Illness Cover
Here, we list some of the benefits of buying a critical illness health insurance cover.
Firstly, all of us need to stay financially protected. Imagine the condition of a medical emergency, and instead of focussing on getting the best treatment, you have to arrange funds. It can be overwhelming for the people who suffer serious ailments to suffer financial crisis along with emotional distress. Hence, the need for a suitable health policy cannot be undermined.
Since the costs of medical treatment are rising, it is a must for all to get a critical illness cover. Even if you belong to a high-income group, having critical insurance cover will always support you and give you financial confidence.
A critical illness cover offers maximum coverage for fulfilling various medical expenses for as many as thirty or more critical illnesses. This kind of health policy ensures quality medical care, the best hospital, and hassle-free treatment.
This insurance coverage does not only keep you secure for expensive medical procedures, but it also covers medical expenses beyond hospitalization.
As a critical illness policy insured, you will also get a cashless claim facility at many big and small hospitals. So, you don’t have to go through the trouble of reimbursement and arranging the cash.
One of the best benefits of critical illness cover is that you get tax savings under Section 80D.
This policy not only takes care of the in-patient hospitalization cover but also pre and post hospitalization medical expenses.
If you are under day care treatment, the policy keeps you protected.
Some of the best insurance companies like Care Insurance provide striking features under critical illness cover such as OPD cover, cover for ICU, ambulance cover, organ donor cover, alternative treatments, annual health check-up, chemotherapy, and radiotherapy cover, and much more.
These are only some of the advantages of Critical Illness Cover. As you explore more, you will understand the policy details better and the importance of choosing the coverage. One of the crucial things to keep in mind is the importance of choosing a reliable insurance provider such as Care Health Insurance. You can rely on their services and the benefits offered to keep your future financially secure.
People often think that once the carpet removal project is complete, then that’s it. Well, you’d be shocked to know that there’s a lot of cleaning that you need to do after this procedure. Luckily, some carpet removal companies offer free cleaning after the procedure as an incentive to home and business owners. But some will charge you a fraction of the cost you’d have paid to independent cleaners. The choice really is yours, as you can still even clean the space by yourself if you’re able to. But first, it’s very important that you hire a carpet removal firm like this one to get the job done well. Otherwise, you’ll be in for a rude shock at the end of your experience. Here’s what you need to do right after carpet removal:
1. Get Rid of the Surface Mess Just After the Carpet Removal
Once you or the professional service has completed the carpet removal project, you’ll need to start by handling the surface mess that’s left behind. Search for staples carefully while wearing gloves, so that you’re certain that they won’t prick you. Also, look for the tack strips carefully as you do this.
After you’re done with that, you need to sweep and vacuum the entire space rigorously. Make sure that you do a perfect job. Not doing so can ruin the good work put into carpet removal.
2. Remove Any Glue Residue
Most of the carpet installation processes involve the use of glues and other adhesives. Thus, after you’ve completed the carpet removal project, you’ll see lots of glue left on the floor. You need to get rid of it ASAP. When it’s still easy to remove it, you won’t use so much effort, as compared to later on.
Buy a glue-removal solvent or borrow if you don’t have one. This is the item that’ll make it a lot easier for you to get rid of the glue from your floor. In case you still experience stubborn patches of glue on the floor, you can additionally use a razor blade or wallpaper scraper. However, you should be ready for your floor or stairs to look like they have some scratches due to this removal process.
3. Deal With the Dark Stains after Carpet Removal
Are you wondering where all the dark stains on your floor come from? You’ll only realize that they exist once you remove the carpet and the floor is bare. Most of these dark stains emanate from pet urine. We know how annoying this can get for homeowners. Because you can’t possibly just ignore the stains and install new carpeting right away. You’ll need to find ways to tackle the problem by cleaning up the mess.
A quick approach here is to use sanding as a solution. However, this will only work if the stains aren’t so deep on the floor. If the contrary is the case, then we’re afraid that you’ll need to replace the boards that have been affected by the stains. Then you’ll have to replace them one by one. Of course, we’re referring to the hardwood flooring here. However, you still have to be ready to spend a significant amount on this replacement.
4. Make the Floors Shine Once More
In case you see that the wooden floors beneath the removed carpet are still neat and clean, you don’t just leave them at that. Especially when you’re switching to hardwood flooring, you’ll need to make them regain that shine. Because what’s the point of switching from carpets to hardwood floors only to have dull and unattractive flooring.
To achieve that sparkle and shine, consider buffing the floors using paste wax. This will gloss it look great. In case the floor has minor errors, you can simply sand and refinish it. Doing this will cost you around $3 for every square foot. But in case you want to stain the floors to achieve that new color, then you’d have to spend anywhere around $4 per square foot.
5. Check on the Baseboards
During the installation of the carpet, you’ll find that the baseboards probably got affected. They might have been raised around the walls so that they can cover the thickness of a rug. If this is the case, you can pry them loose. And if this isn’t possible, then you can consider reattaching them lower or just fully replacing them by buying new ones.
6. Collect All Debris from the Carpet Removal Together
You probably rented a dumpster for the project if you chose to do it all alone. You need to collect everything that came off the house and dispose of them inside the dumpster. This will help you to create order and reduce the amount of clutter inside the house.
Well, that’s just about everything that you need to remember to do after a carpet removal project. Doing all of them is important if you want to successfully complete the entire project.
So, the Environmental Protection Agency (EPA) recommends using a high-efficiency air filtration system as well as ventilating your home by opening doors and windows frequently and restricting the origin of vulnerability to the extent possible (means cutting compounds and plastics). Purchasing an air purifier may enhance the level of your air and the level of your life.
Sensitive Choice, a firm that specializes in helping millions of consumers worldwide live better with asthma and allergies, has examined a “high number” of air purifiers, and Ms. Taylor, an expert in Asthma patients, says specific attributes may be better designed to assist people who have allergies or asthma.
Factors like the magnitude of this system compared with the importance of this space, whether you have pets where you reside all affect the power of the machine, Ms. Taylor said.
Professor Bruce Thompson, respiratory specialist and dean at the School of Health Sciences at Swinburne University opined that despite the marketplace trend towards smaller apparatus, size does matter, and individuals should pick an air purifier which matches the magnitude of the room.
People who have the respiratory disorder can protect themselves by making sure they take their drugs accordingly, something up to 70 percent of asthmatics aren’t doing, in addition to eliminating or reducing other sources of indoor air pollution in their house, especially dust mites, harsh cleaning chemicals, cigarette smoke, and non-flued gas heaters, wood-burning fires, and personal care products such as hairspray. If you or a loved one suffers from allergies or asthma, you understand precisely how miserable you may feel.
Different Sources Of Indoor Air Pollution
1. Gas Stove At Kitchen:
Gas stoves and ovens are frequently a primary source of indoor air pollution; exceptionally, if the exhaust fan isn’t turned on each time it is used. They exude nitrogen dioxide, resulting in cardiovascular and respiratory problems, especially in children who are more vulnerable.
A recent report from the Rocky Mountain Institute has discovered that gas stoves might be exposing tens of thousands of millions of individuals to levels of air pollution in their homes which would be illegal outside under federal air quality criteria.
Gas stoves emit carbon dioxide that is generated when gas is burned at high temperatures. Nitrogen dioxide mixes with the atmosphere to make nitric oxide and toxic organic nitrates.
According to the EPA, regular exposure to elevated concentrations of nitrates can cause severe respiratory ailments in children. Always ensure that your kitchen is well ventilated both during and following any cooking–not only when you burn something.
Installing a high-quality ventilation fan or stove hood may considerably enhance the air quality in your kitchen. If you do not have a ventilation fan or range hood in individual flats, make sure you cook with neighboring windows open.
2. Candles And Other Burning Items:
Based on research published in 2017, the so-called green and natural air fresheners can emit toxic air pollutants. Air freshener components are mainly unknown and undisclosed due to regulatory protections on customer product ingredients and odor formulations. Other toxins from candles incorporate artificial dyes and artificial scents, particularly those used for aromatherapy. These components frequently contain toxic plasticizers and compounds that are discharged if you burn the candle.
Air fresheners discharge a range of potentially harmful air pollutants that could impair air quality. It is quite a paradox. A product designed to boost our home surroundings is inadvertent, making it worse. Air fresheners are the primary source of volatile organic chemicals within buildings from an indoor air quality standpoint. From a health standpoint, air fresheners are linked with negative consequences, such as migraine headaches, asthma attacks, mucosal symptoms, baby disease, and breathing problems.
A safer option is to get candles made from beeswax or vegetable oils, as well as organic dyes and dyes. Paraffin candles will be the worst.
3. Carpeted Floors:
As stated by the Healthy Building Network, rugs and carpets may off-gas harmful stain-resistant fluorinated compounds (PFAS) for up to five decades, maybe longer. Standard exposure to such substances triggers headaches, eye and throat irritation, allergies, confusion, and nausea. Also, think about removing your shoes and leaving them from the door every time you run into the home. Not only does it decrease toxins in your house, but your flooring will remain cleaner, also! While elderly carpets no more off-gas radicals, dust mites (and their droppings) start will infiltrate your carpeting as time passes. The droppings may cause severe allergic reactions in many people, and scientists are only starting to correlate dust mite exposure.
The Environmental Working Group (EWG) and other consumer health organizations advocate limiting the quantity of carpeting in your house, ventilating by opening windows and doors, particularly within the initial 72 hours of setup, or picking natural materials such as wool, bamboo, or jute, which do not have this off-gassing issue.
An excellent HEPA vacuum cleaner might help eliminate a number of the particle-based toxins out of the carpeting without throwing them in the atmosphere where they may be inhaled. You might even get carpeting accredited”Green Label Plus” from the Carpet and Rug Institute, which prices carpets for reduced VOCs’ emission.
Also, we incorporate external toxins into our rugs once we don’t monitor polluted dirt, heavy metals, and pesticides from our sneakers. Almost any poisonous substance we use close to or inside the house can settle into carpet fibers and spread into the atmosphere.
Benefits Of An Air Purifier (Are Air Purifiers Worth It?):
1. Best for Asthma Attacks
Pollen particles leak in with the breeze through open windows whenever they adhere to your clothing when you’re outside. Dust mites are the most popular indoor pollutants, flourishing in a humid atmosphere.
Vacuuming your mattress, carpeting, and flooring can eliminate those pollutants. However, a few of them remain suspended in the atmosphere. Breathing from the contaminated atmosphere increases the odds of asthma attacks. Other ways someone could reduce asthma triggers in their residence comprise utilizing hypoallergenic bedding, using hardwood flooring, or dehumidifying the air, which may kill dust mites too. Increasing air circulation and utilizing HEPA air filters may lower your indoor air pollution, thereby lessening your odds of developing asthma or triggering asthma attacks.
Tiny airborne particles may cause the most harm to individuals with asthma. For this reason, air purifiers that especially remove microscopic impurities are perfect in curing asthma. Because of this large number of asthma causes located inside houses or institutions, air purifiers might be mandatory in clearing these causes’ atmosphere.
The ones produced to get rid of small airborne particles are far better suited to reducing the possibility of an asthma attack. Many breeds of cats and dogs drop throughout the entire year.
Whenever these pets scrape themselves, they disperse a great deal of dander and hair that keeps moving in the atmosphere. Even if you don’t own pets, you will find additional triggering factors for asthma-like pollen and dust mites.
2. Eliminates Harmful Pollutants
On the flip side, additional air purifiers are available that may remove pollutants such as tobacco smoke, pollen, dust mites, and fleas inside houses and businesses without using ozone. Air purifiers like CritterZone can decrease pet odor, which may reduce the possibility of you becoming allergic.
The issue with CritterZone is it may create ozonean allergy irritants. It’s ideal for locating an air purifier that could get rid of these allergens without discharging ozone to counteract those reactions.
Even if you don’t reside in massive cities with large vehicular traffic, then your house atmosphere could nonetheless be contaminated with toxins out of many cleansing agents. Frequent household cleaners contain hazardous compounds like chlorine, ammonia, and phthalates.
Exposure to such substances in tiny quantities may be harmless, but frequent vulnerability may result in serious health problems such as tumors, cancer, cardiovascular disease, or neurological disorders.
Closing the windows and doors of our home doesn’t mean we can close outside pollutants like carbon dioxide and carbon dioxide. These gases are generally found in regions of high automobile traffic and might sneak into the homes. Research in the National Library of Medicine reveals exposure to carbon dioxide and nitrogen dioxide PM raises the risk of dementia and Alzheimer’s disease.
3. Improves Sleep:
The deficiency of sufficient sleep triggers daytime drowsiness, impacting your productivity the morning after. To prevent those sleep disruptions, it is ideal to utilize HEPA air purifiers because they filter out toxins out from the room. Cleaner air provides you with a better night’s sleep. Contaminated air disturbs a healthy sleep schedule since the contaminated air can make you feel uncomfortable. Austin Air Purifiers are perfect for the bedroom because they eliminate the most pollution and toxins in the atmosphere, such as compounds, pet dander, benzene, ammonia, and odors from cooking.
Indoor allergens like viruses, bacteria, and dust mites can cause allergies or hay fever. Hay fever triggers a runny nose and may last up to several weeks.
When it comes to medical progress and developing new cures for ailments, biotechnology is one of the most promising fields right now. Even though it is relatively new, biotech has already helped in the development of various medicinal areas. As for the future, most of the biotech’s progress is going to derive from personalized medicine advances.
This treatment paradigm’s target is to ensure patients receive the therapies best matched to their specific genetic makeups, conditions, and other health-related characteristics. For instance, pharmacogenomics, a new discipline, aims to figure out how the genetic profile of a patient affects their response to specific medicines. The main goal is to develop and refine testing so that patient genetic profiles are best matched to the medicine they will benefit from the most.
Along with the changes introduced by pharmacogenomics, biotechnology is transforming how diseases that are caused due to genetic factors are being diagnosed. Due to new testing, alterations in the genes’ DNA sequence relating to disease can be detected, and this helps with predicting the likelihood of a disease being developed within a patient. It goes without saying, but early diagnosis is essential for either early treatment to slow the diseases’ progress, or for preventing the disease altogether.
Biotechnology current emerging treatments
Along with the aforementioned points, biotechnology is helping other areas of the medical sector to grow. This is seen in current emerging treatments which are already gaining traction, and these will become standard procedures assuming they continue to grow in their development and prevalence.
Stem cells are where unspecialized cells, ones that haven’t developed a special function or structure yet, can mature into a functional type of cell. They can grow and match the characteristics of various other cells in the body, including skin, muscle, heart, and nerve cells.
Stem cells were first utilized in the 1960s where they were discovered within the bone marrow and then used for bone marrow transplants. Now, however, it’s possible to grow stem cells in a lab thanks to the growth of biotechnology. These healthy grown cells can be molded into the desired cell type, where they are then ready to be surgically implanted within patients to replace their diseased tissue.
In essence, gene therapy is where genes are used to prevent or treat disease. Biotechnology developments are hoping to see this gene therapy technique allow for disorders to be treated via the insertion of genes within the cells of a patient. Along with replacing the need for surgery or drugs, this approach sees new, functional genes replacing defective ones.
While gene therapy remains within the experimental stages, there are many startups that are ensuring this technique develops and plays an integral role in the future.
As the name suggests, nanomedicine takes molecules and structures and manipulates these on an atomic scale. An example of this is with the use of nanoshells. These take infrared light and convert it into heat energy, all with the intention of destroying cancer cells within patients.
Drug delivery systems
New drug delivery systems developed with biotechnology include microscopic particles – known as microspheres. These microspheres feature holes that are just big enough to dispense the contained drugs to their intended targets.
They have already proven to be an effective way to control drug release. As a result, certain microsphere therapies are already available and being used in medicine today. However, they are still being investigated for their ability and effectiveness in terms of being a treatment for various diseases and cancers.
For personalized medicine and pharmacogenomics to maximize their potential, DNA technology advances are essential. This is why companies like Anima Biotech, which use translation modulators to produce small molecule drugs that aim for “undruggable” targets in various diseases, are continually revolutionizing the industry.
In the medical industry, speed and efficiency are essential goals that must be pursued by every clinic. Ensure that your patients don’t forget their appointments and arrive at the clinic on time by doing everything you can to reduce their waiting time. Therefore, you should invest in a CRM that has medical scheduling software that includes appointment reminders. However, implementing such strategies can be expensive, therefore a healthcare loan from Kapitus is a great option for you to finance your investment.
Does Your CRM Include an Appointment Reminder Software?
There are 3 features that this type of software needs to have.
A reliable CRM will offer you the possibility to increase the productivity of your staff by reducing the time needed for calls. If you want to have this result, then you need to use and advanced calling system that will allow your staff to call the patients through a single click. Some software also has automated calls, recording options as well as dispersing inbound calls. These functions will increase the efficiency of the process.
E-mails can be used for multiple purposes. Not only can they be used for reminders or appointment making, but your clinic can also use them for marketing. Your patients can make an appointment by sending an e-mail, and they will also be reminded through the same method. Moreover, you can send offers or suggest a regular consultation. The help provided by software that makes use of this method is enormous.
The internet it’s still not the principal method of communication used by the majority of the population. Most people still use SMS communication more than e-mails. So, you should search for a medical CRM that provides tools that facilitate appointments through this method. Your patients can make, confirm, and reschedule their appointments through a simple SMS.
Benefits That You Can Get from an Appointment Reminder Software!
The difference between a clinic that uses the three methods mentioned above and one that does not use them is massive. Your clinic can benefit from an appointment reminder software in many ways. But there are three essential benefits that your clinic will want for sure.
It does not matter the industry. Every business needs to strive to brand themselves. A reminder software can help you do exactly that. How so? Well, your patients will consider your clinic more trustworthy because you always remind them about their appointments. Moreover, you can even send them e-mails with reminders about regular checks that they should do. This will showcase to your patients the care that you have for them. So, you can increase your branding through these methods.
The software will automate most of the appointment process. It will be easier for your staff to process the appointments digitally. Also, if your patients use the SMS method to confirm or reschedule their appointments, then the software can automate these steps. As a result, the efficiency of your clinic will rise. The software can also be used to convey delays to your patients. So, they will not need to come for a scheduled appointment and wait for one more hour due to the delays in the schedule.
We live in a busy world. For this reason, many people forget about their appointments because of different urgencies. Without a reminder software, your clinic will lose a lot of revenue because the patients that forget about their appointments. On the other hand, if your clinic uses this type of software, then more patients will come on time for their appointments, and your clinic will make more money. So, this type of software can be considered an investment that will give you high returns in the future.
What Other Features Does a Top Medical Scheduling Software Needs?
Top medical scheduling software will not have only the features mentioned above. It must also have at least two more essential features that will ensure that the efficiency and productivity of your clinic increases. While searching for the perfect medical CRM for your clinic, you need to check if it includes all the features mentioned. If it does not, then you should look for another software that will give you more benefits.
A reliable CRM will offer full solutions that will take care of all your problems at the same time. So, besides the features mentioned above, scheduling software must also have calendar integrations. Every appointment and change must be placed in the calendar of the right medic. It must also allow your staff to include relevant information in every appointment entry, that will help the doctor understand the situation of the patient. Not only will the efficiency increase even more through this feature. But the medics will also be able to perform their duties much better, resulting in services of a higher quality.
Internal Communication software.
To ensure that everyone understands everything about an appointment, you need a CRM that includes internal communication software. This will allow your staff to communicate much faster, allowing any misunderstanding to be cleared on the spot. Moreover, this software can also be used to transfer information. Different documents or images can be sent where they are needed. Through this software, the productivity of your staff will rise, and a lot of errors will be avoided.
There are many medical CRMs on the internet, and it can be hard to choose the best one for your clinic. Every clinic has its particularities. So, you need to search for the one that provides all the features that your clinic needs. To ensure that you made the best choice, you need to research the websites of every option that you find. You can also spend some time and test all the alternatives one by one. Most of the time, you will be able to test them for free because they provide a free trial or a demo. So, all you have to do is to search on the internet and start your research.
To maintain excellence, your clinic needs a CRM that has a medical scheduling software with an appointment reminder handling functionality in order to reduce overall customer’s experience in working with your clinic.
The current social distancing rules have forced many companies to make the switch to remote work whether they were ready or not. This unveiled just how unprepared and unsafe home networks are when it comes to standing up to a determined attacker. As such, we offer five tips to help regular people set up a more secure work environment from a distance.
How to Keep Your Home Network Safe for Work
The current world situation is difficult, to say the least. The healthcare and economic systems of almost every country on the globe are negatively impacted by the social distancing rules, and we don’t know yet when the situation will return to normal (if ever).
However, there are companies that managed to adapt to the situation by setting up their workers to work from home. Luckily, this is not a new situation as many people already work remotely in many parts of the world. Even more, this is an upwards trend that’s expected to take over most industries by 2028.
Still, remote workers can be a risk for the safety of the company if it’s not done correctly. When working from home, employees don’t follow the same rules imposed by the company when it comes to file sharing, IT security, or software used. Many home computers don’t use an up to date operating system and rely on free software tools that are easier to hack.
So, make sure to read everything carefully, and apply the measures that fit your situation in keeping home network safe during and after the social distancing rules.
Keep Home Network Safe – 5 Tips to Stay Safe While Working from Home
#1: Update the Security of your WiFi
Home WiFi networks are rarely well-protected and many homeowners don’t even bother to change the default security settings on their routers. This makes the work of anyone who is trying to break your network so much easier!
So, to avoid getting a data breach via your WiFi, follow these basic steps:
Change the SSID (service set identifier or the name of the network). If you keep the default one (usually provided by the router or the company that offers the service), you tell an external actor that the password is also the default one or something extremely generic.
Change the Password of the router – If you don’t know how to go about this, you can ask your service provider. Also, make sure it is strong (at least 20 characters long with numbers, letters, and various symbols) and avoid using personal information (pets’ names, children’s names, dates of birth, and so on).
Enable network encryption – Most modern routers offer encryption possibilities, but they are turned off by default. Make sure to check the router’s settings and turn on encryption (the most effective is WPA2).
#2: Update your Software
If you’re that person who checks “Remind me later” when it comes to software updates, it’s time to stop!
As such, make sure that every software item you use (including the operating system and router firmware) has the latest updates installed and running.
#3: Use a Solid Security Solution
Stay away from public networks for as much as possible. And, if you do have to use them, take all the necessary precautions. This is the first rule of online safety!
The second rule is about using a reliable antivirus solution. Many people think that just because they have a free antivirus on their systems they are safe. This is completely false and this way of thinking can lure people into a false sense of security.
For an extra layer of protection, you can use a VPN solution. It may slow down your connection a bit, but it’s a price worth paying.
Lastly, you should consider taking an online course on cybersecurity. These courses are affordable, easy to understand, and flexible, but most importantly, they offer valuable information on IT security and protection against the most common threats.
#4: Separate Work from Personal
Working from home can get a bit messy if you don’t establish clear boundaries with the family, the clients and colleagues, and even yourself.
For instance, if possible, try to use a different computer for work and another device for personal activities. If not, make sure you have separate profiles for work and fun and that both profiles are users without administrative rights. Also, if more people use the same computer, make a separate profile for guests (again, no administrative rights).
#5: Change Passwords Frequently
Let’s be honest – the standard username/password system is flawed and, with that many data breaches, it’s no longer effective. Add to this the fact that many people don’t understand the purpose of a strong and unique password and you have the perfect recipe for hacking.
Right now, the most convenient way around this system is two-factor authentication, but it can be difficult to implement and not exactly cheap.
As such, to make sure your professional accounts remain safe, you should change the passwords every two or three months. Also, stay up to date with the latest data breaches, and if any of the platforms you’re currently using was attacked, change the password immediately.
Yes, it can be a bit daunting to make sure your online presence is safe from prying eyes, but the alternative is much worse!
These measures should be applied by anyone who uses the Intenet to keep their home network safe, but if you work remotely, they are mandatory. Also, we strongly recommend doing more research on the topic of cybersecurity to find new ways of keeping your business safe while beyond the social distancing rules set by the government to curb the spread of coronavirus.
In their bid for accurate patient identification, healthcare providers have transformed long ago by opting for biometric patient identification, and the result has been astounding.
There are a lot of biometric modalities available like iris scanning, fingerprint scanning, facial recognition, and so on. These are used widely in many industries like airports, the government, as well as banks. The best part is that these ensure security via proper patient identification. However, the one place in which biometrics is sorely needed is in the healthcare system.
Is Proper Patient Identification System Achievable?
Healthcare providers have transformed long ago by going for EHR (Electronic Health Record) systems. However, accurate patient identification is not ensured entirely since there are millions of records. These records can have common names, such as “Samuel Jackson,” and the hospital staff may get confused during identification about which Samuel Jackson came in for the treatment. Duplicate records are created as well, which occurs when a new medical record is made for a patient who has an existing record within the database. All these produce lots of inaccurate patient identification issues such as patient mix-ups, medical identity fraud, as well as dirty data.
Using biometric patient identification can help with the identification process- it eliminates the hospital staff from going through hundreds of records. It thus reduces the risk of any new duplicate medical record. Labeling patients with wristbands is risky as well, as one printing mistake or a mix-up can be fatal for the patients as well as the hospitals. The best way to positively identify the patients is by using biometrics since it has the highest level of accuracy- each patient has unique biometric data that can never be mixed up with another individual.
It also causes a lot of financial problems for both patients as well as healthcare providers. Healthcare providers suffer losses in millions due to denied claims. Not only that, but bills are sent out to wrong patients, treatments are provided to the wrong patients, and worst of all, some patients may face fatal consequences, severely hampering patient safety. All these can cause lawsuits, and thus, losses. These could have been mitigated had the patients been properly identified in the first place.
Is there any such solution?
A lot of health systems are experiencing accurate patient identification. Reputed healthcare providers like Terrebonne General Medical Center and Northwell Health in New York are using RightPatient– a biometric patient identification platform. RightPatient provides both fingerprint scanning as well as iris scanning; however, for better accuracy and patient safety, the above health systems chose iris scanning.
It is quite simple- a patient only needs to get their biometric data scanned during registration. It adds the biometric data to the patients’ EHRs. Once they are registered, nobody else can come and claim the registered patient’s record, eliminating the chance of medical identity theft. Also, whenever the patient comes in the future, they only need to get their biometrics scanned- no Social Security Number or proof of identity is required, reducing further hassles and improving the patient experience significantly. It is much more convenient than any other form of patient identification since the identity cannot be duplicated in any way. Also, one advantage of health systems who are using RightPatient’s iris scanning is that they are also ensuring hygiene for all since it is a non-contact modality. The patients do not touch the iris scanner, and neither do the hospitals, eliminating any risk of diseases via physical contact.
The health systems which have been using RightPatient have reported promising results such as improved patient safety, accurate patient identification, improved revenue cycle, as well as reduced denied claims. These lead to reduced losses for healthcare providers- ensuring that patients are being identified accurately and quickly. In the end, RightPatient improves the healthcare providers’ ratings in the process as well as their bottom line.
Staying at home right now is essential, but it’s not always that fun in self-isolation, especially in a novel Covid-19 outbreak situation like this. All over the world, staying at home has been prescribed as one of the best curative ways to prevent the spread of this deadly virus. To maintain a proper self-isolation period without breaking the protocol of not leaving your home, you need something to alternate the plenty of idle hours at your disposal.
To help you pass the time, technology expert, MyMemory, has put together a list of 5 gadgets that will make self-isolating a little more enjoyable for you in this pandemic.
Staying At Home: Gadgets That Makes Self-Isolation Easier
Google Nest Mini is a perfect addition to any home in a time like this. It gives you the ability to get help from across the room, using nothing but your voice. Hear your personalized schedule, set timers or reminders, and even control your smart home devices! Guaranteed to make your life easier.
The lack of contact with family and friends can be extremely difficult, especially for those who live alone or have vulnerable family members, so why not keep in touch with your loved ones via webcam? A Logitech B525 HD Webcam not only has an autofocus feature and HD 720p video calling, but it also has a built-in microphone meaning that you don’t have to buy one separately.
Staying at home doesn’t have to impact your daily exercise goals. The Huawei HONOR Band 5 is the ultimate fitness watch, with a continuous heart rate monitor, sleep analysis features and a high-level tracker with personal recommendations to keep you moving.
What better time to catch up on all your favorite TV programs than when spending your evenings indoors? Google’s Chromecast allows you to turn any TV into a smart TV, and stream television, music, films and even games with a click of a button. It’s compatible with any smartphone, iPhone or Android and can even work with your Google Home for hands-free control.
Why not kill a few hours in the evenings by playing a game, either alone or with friends? The Xbox One S features 4K Ultra HD Blu-ray, 4K streaming and HDR graphics – your gaming experience has never been better! Whether you’re a solo gamer, or you’re using multiplayer as a way to bond with your family, the Xbox One S will keep you entertained for hours.
Another way to kill the boredom while staying at home is through your mobile smartphone. You can start playing mind boosting games. There are loads of interesting mobile games out there that help in boosting one’s emotional state. Sometimes ago, I wrote about best mind games that can help you improve your memory including Lumosity, Cognifit Brain Fitness, Circles and the rest of them. You can download these mind games unto your mobile phone; iOS or Android, you are good to go.
Staying at home right now is very crucial to prevent the spread of coronavirus. As you all know that self-isolation isn’t always as fun as having all the freedom to move around, deciding to stay at home while keeping yourself engaged will be the priceless decision you can make now. The aforementioned gadgets are what you need to keep yourself isolated against Covid-19.
If you require any additional information on these products or any other MyMemory product, please do get in touch.
This too shall pass, but when and how are the two things no one has the answer to Coronavirus, the pandemic that has taken over the world, is growing its hands in the IT industry now. With millions of people suffering from the disease and thousands who have lost their lives, coronavirus is not going to leave us soon.
With WHO predicting that the worse is still to happen, tech gurus have also predicted that the IT sector will be the one that will be the most affected one by this pandemic.
With offices shut, stock markets crashed, and humanity on the verge of extinction, Coronavirus is not leaving any stone unturned.
The coronavirus (also called COVID-19) is now known in over 100 countries and territories. While the coronavirus epidemic continues to wreak havoc on U.S. and worldwide markets and sectors, companies now face significant, unique challenges. Successful handling of these challenges will take detailed, careful preparation.
How Is Coronavirus Killing The IT Sector?
This is the time for the technology industry to take action, as the coronavirus outbreak progresses further. Such interventions will help to raise the risk of coronavirus diseases and prepare how they would cope with it. A successful approach should involve the development, evaluation, and management of recognized danger by an interdisciplinary crisis management team. Recruitment, planning, performance, finance, human resources, and legal personnel are part of the team.
In recent days, technology firms have closed shops and offices to avoid managers and staff traveling to affected areas and to alert them of their possible consequences for their supply chains. Asian and Chinese manufacturers are the world’s leading suppliers for various technology companies. Chinese firms are, for instance, responsible for many of the solar panels, batteries, silicon modules and raw materials used in green energy products. Several such organizations have been contaminated by the coronavirus. They also advised consumers of potential major force events triggered by the coronavirus.
The Silver Lining In The Dark Clouds
There is still hope, and the IT sector can even save itself by being extra cautious and by taking simple steps. IT gurus advice the areas not to panic and follow the golden rules discussed below to sail their ship through the storm. Let’s take a look at the rules:
Communicate With The Suppliers
Companies will assess the possible effect on the supply of mission-critical materials and parts from delays or disruptions. Companies must meet these suppliers and determine the size of their inventories and the measures they take to mitigate harm to components and goods. Particularly for companies in countries with key suppliers that were most seriously affected by the pandemic, China in particular.
The company monitors the consumer demands, including the timely page of the parts delivered to the company, to ensure that they comply with their contractual obligations. In anticipation of disruptions, tech companies should formulate a plan to manage encounters with their colleagues, bearing in mind that competitive considerations might be involved in deciding if such steps should be taken. Of those customers with a greater risk of not paying, companies must determine contractual terms of payment.
If a reporting requirement is enabled in business transactions, public agencies will review and publish accurately relevant reports. The existing MAT clauses (as mentioned above) and potential impacts on compliance with the financial arrangement between a borrower and another lending framework will be checked in order to decide whether there will be a need to hold substantive discussions with lenders.
Organizations must review insurance policies to determine future coverage and, in the case of an interruption, comply with all applicable notice requirements. The possibility of enterprise interruption insurance can also be discussed. Nonetheless, businesses evaluate the reporting of coronavirus-related market disturbances in order to determine if they are responsible. Nonetheless, some insurers have prohibited their daily business interruption policies from covering virus outbreaks. It is, consequently, necessary for companies to consider whether interruptions to coronavirus are appropriate in their particular policies.
The Chinese Finance Minister issued a warning that coronavirus is a force majeure phenomenon and a natural disaster is to be considered. The National Solar Energy Federation in India has recently demanded a case of coronaviruses to be deemed a force majeure for the Ministry of New and Renewable Energy. Nonetheless, in addition to reviewing the applicable major force laws and any decrees by government departments, it would also be important for manufacturers to prove that the force majeure situation prohibits them from operating.
A specific adverse material change (‘MAC’) clause is a way in which the danger between signature and termination may be attributed to both sides of the contract, and may be protected by other areas of the agreement.
In the section on arguments guaranteeing the absence of the MAC after a specified date, for example. MAC clauses usually define a MAC as ‘any individual event, role, development, condition, or shift, that has or can reasonably be expected to have a significant adverse impact, either individually or as a whole, on the business, financial position, operating performance and other aspects of the target company and its subsidiaries in whole.’
Considering that governments allow or suggest closures of offices and schools to prevent or delay the spread of coronavirus, several businesses that plan to introduce or extend work-from-home programs for employees. Such services require business continuity, but they also pose increased cybersecurity risks by providing many new avenues for unauthorized access to enterprise systems and data. Organizations will also review their existing safety controls and whether they need to be strengthened before implementing or substantially expanding remote working technology.
Advice For Everyone
Since the inception of Coronavirus (COVID-19), many speculations have been made regarding its origin and how it can be cured or prevented. People have exploited social media by spreading unconventional cures and methods.
Every second on social media is about the new treatment that has been found to cure Coronavirus. All these fake news has been declared vague by WHO. But people are just not ready to believe the depth of the situation. Tech companies are finding it hard to curb this surge of fake news and social media rumors about Coronavirus.
So, if you are seeing any information on social media about all these, make sure the source is reliable enough.
PhotoSpeak: PREVENT THE SPREAD OF COVID-19 IN 7 STEPS
Right now, the downfall is inevitable. We can do nothing but wait till this pandemic is over. Coronavirus has not only affected the IT industries but also countless other industries as well and many of them are now in such a point that recovery is not anywhere close.
Let’s hope suffering will be over soon and everything will be back on track. You have learned how coronavirus is affecting the IT industry, now go and make changes to this effect in your businesses.