Health and Fitness

What Are Health and Fitness?

Health and fitness go hand in hand. Health is a state of complete physical, mental, and social well-being, and not merely the absence of a disease or infirmity.

Fitness, on the other hand, is a general state of physical health. Being physically weak means lack of workout routines, physical exercise and fitness diet

These are some easy and effective health and fitness tips, which you should implement in your life in order to lead a healthy lifestyle.

1. Fitness Diet

Here below are the important fitness diet tips:

1. Maintain fitness diet with fruits, vegetables, proteins, carbohydrates, unsaturated fats, monounsaturated fat, polyunsaturated fat and other nutrients.

2. Avoid junk food, processed food and other food with saturated and trans fat content.

A complete fitness diet 

A Complete Fitness Diet Will Give You Total Fitness

2. Eat More Often

Instead of 3 huge meals and greater intervals, it is scientifically proven that 5 smaller meals at 4-hour intervals would be healthier for us and is the trick to keep you away from binge eating. It is also very vital to eat lesser in these meals as the day progresses.

3. Physical Activities

Yoga, jogging, sports, aerobics, walking, running, jumping, dancing are a few simple forms of physical activities that will help you with maintaining good health and fitness.

exercise tips for fitness

Workout Routines are the Best form of Physical Exercise

4. Drink Water

Drinking enough water is one of the important fitness tips. It is recommended that one should drink at least 3 to 4 litres of water every day. Water maintains the level of our bodily fluids, hydrates our skin, and cleanses our system.

drinking water keeps you fit and healthy

Drinking-Water is One of the Fitness Tips to Keep You Healthy

5. Follow A Healthy Lifestyle

Here below are the important tips towards a healthy lifestyle

1. Avoid drinking,

2. Avoid smoking,

3. Avoid junk food, processed food, foods with high cholesterol, salt, sugar, and oil.

Quit smoking for a healthy lifestyle

Quit Smoking for a Healthy Lifestyle

6. Don’t Skip Meals

You should never skip your meals which is a bad habit. It ruins your metabolic cycle and makes it more difficult to digest further meals.

7. Don’t Wait Till You Are Hungry

Eat before you feel the hunger pangs because you tend to eat more than the required amount when you feel hungry.

Fitness Tips For Women

Even though there are scientific reasons that men are stronger than women, it doesn’t mean that fitness exercises and workout are only meant for men.

Below are the fitness tips for women that prepare them well towards physical exercises and workouts.

Exercise for fitness gives you a healthy life

Exercise for Fitness Gives You a Healthy Life

We can’t change that fact, but what we can do is simply be the healthiest versions of ourselves possible by exercising through these tips:

Women’s bones are prone to become weaker and more fragile as soon as they step in their thirties. It is crucial that they take special care of their bones, and try to include more calcium in their diet.

Paying attention to your diet, and never skip meals in the hope of losing weight quickly. IT DOES NOT WORK.

Include iron and folic acids in your diet for better blood circulation, by consuming more green leafy vegetables, beans, juices, chicken, etc.

Hook on to cardio, either by joining a gym or simply jogging or climbing stairs. Any kind of cardio is good for you.

Get some ‘me time’, to replenish your energy and recharge your mind and body. Read a book, go out for a stroll, or listen to soothing music. Whatever makes you feel relaxed.

Cut down on the booze, as it has never done well to either of the sexes. Women are recommended not to consume more than 14 units of alcohol a week (depending on the strength of the liquor).

Health and fitness tips for a healthy life

Health and Fitness Tips for a Healthy Life

Don’t spend your valuable time reading the health and fitness articles that provide wrong information that dieting is the perfect regimen for being fit.

The amount of time that you’ve spent on reading this article is valuable and will help to reach your goal towards a healthy life.

Don’t let that effort go waste and start implementing at least some of them as soon as possible. It’s great to stay healthy; it’s great to stay fit!!!

cryptocurrency and how does it work

cryptocurrency and how does it work

Cryptocurrency – meaning and definition

Cryptocurrency, sometimes called crypto-currency or crypto, is any form of currency that exists digitally or virtually and uses cryptography to secure transactions. Cryptocurrencies don't have a central issuing or regulating authority, instead using a decentralized system to record transactions and issue new units.

What is cryptocurrency?

Cryptocurrency is a digital payment system that doesn't rely on banks to verify transactions. It’s a peer-to-peer system that can enable anyone anywhere to send and receive payments. Instead of being physical money carried around and exchanged in the real world, cryptocurrency payments exist purely as digital entries to an online database describing specific transactions. When you transfer cryptocurrency funds, the transactions are recorded in a public ledger. Cryptocurrency is stored in digital wallets.

Cryptocurrency received its name because it uses encryption to verify transactions. This means advanced coding is involved in storing and transmitting cryptocurrency data between wallets and to public ledgers. The aim of encryption is to provide security and safety.

The first cryptocurrency was Bitcoin, which was founded in 2009 and remains the best known today. Much of the interest in cryptocurrencies is to trade for profit, with speculators at times driving prices skyward.

How does cryptocurrency work?

Cryptocurrencies run on a distributed public ledger called blockchain, a record of all transactions updated and held by currency holders.

Units of cryptocurrency are created through a process called mining, which involves using computer power to solve complicated mathematical problems that generate coins. Users can also buy the currencies from brokers, then store and spend them using cryptographic wallets.

If you own cryptocurrency, you don’t own anything tangible. What you own is a key that allows you to move a record or a unit of measure from one person to another without a trusted third party.

Although Bitcoin has been around since 2009, cryptocurrencies and applications of blockchain technology are still emerging in financial terms, and more uses are expected in the future. Transactions including bonds, stocks, and other financial assets could eventually be traded using the technology.

Cryptocurrency examples

There are thousands of cryptocurrencies. Some of the best known include:

Bitcoin:

Founded in 2009, Bitcoin was the first cryptocurrency and is still the most commonly traded. The currency was developed by Satoshi Nakamoto – widely believed to be a pseudonym for an individual or group of people whose precise identity remains unknown.

Ethereum:

Developed in 2015, Ethereum is a blockchain platform with its own cryptocurrency, called Ether (ETH) or Ethereum. It is the most popular cryptocurrency after Bitcoin.

Litecoin:

This currency is most similar to bitcoin but has moved more quickly to develop new innovations, including faster payments and processes to allow more transactions.

Ripple:

Ripple is a distributed ledger system that was founded in 2012. Ripple can be used to track different kinds of transactions, not just cryptocurrency. The company behind it has worked with various banks and financial institutions.

Non-Bitcoin cryptocurrencies are collectively known as “altcoins” to distinguish them from the original.

How to buy cryptocurrency

You may be wondering how to buy cryptocurrency safely. There are typically three steps involved. These are:

Step 1: Choosing a platform

The first step is deciding which platform to use. Generally, you can choose between a traditional broker or dedicated cryptocurrency exchange:

Traditional brokers. These are online brokers who offer ways to buy and sell cryptocurrency, as well as other financial assets like stocks, bonds, and ETFs. These platforms tend to offer lower trading costs but fewer crypto features.

Cryptocurrency exchanges. There are many cryptocurrency exchanges to choose from, each offering different cryptocurrencies, wallet storage, interest-bearing account options, and more. Many exchanges charge asset-based fees.

When comparing different platforms, consider which cryptocurrencies are on offer, what fees they charge, their security features, storage and withdrawal options, and any educational resources.

Step 2: Funding your account

Once you have chosen your platform, the next step is to fund your account so you can begin trading. Most crypto exchanges allow users to purchase crypto using fiat (i.e., government-issued) currencies such as the US Dollar, the British Pound, or the Euro using their debit or credit cards – although this varies by platform.

Crypto purchases with credit cards are considered risky, and some exchanges don't support them. Some credit card companies don't allow crypto transactions either. This is because cryptocurrencies are highly volatile, and it is not advisable to risk going into debt — or potentially paying high credit card transaction fees — for certain assets.

Some platforms will also accept ACH transfers and wire transfers. The accepted payment methods and time taken for deposits or withdrawals differ per platform. Equally, the time taken for deposits to clear varies by payment method.

An important factor to consider is fees. These include potential deposit and withdrawal transaction fees plus trading fees. Fees will vary by payment method and platform, which is something to research at the outset.

Step 3: Placing an order

You can place an order via your broker's or exchange's web or mobile platform. If you are planning to buy cryptocurrencies, you can do so by selecting "buy," choosing the order type, entering the amount of cryptocurrencies you want to purchase, and confirming the order. The same process applies to "sell" orders.

There are also other ways to invest in crypto. These include payment services like PayPal, Cash App, and Venmo, which allow users to buy, sell, or hold cryptocurrencies. In addition, there are the following investment vehicles:

Bitcoin trusts: You can buy shares of Bitcoin trusts with a regular brokerage account. These vehicles give retail investors exposure to crypto through the stock market. 

Bitcoin mutual funds: There are Bitcoin ETFs and Bitcoin mutual funds to choose from. 

Blockchain stocks or ETFs: You can also indirectly invest in crypto through blockchain companies that specialize in the technology behind crypto and crypto transactions. Alternatively, you can buy stocks or ETFs of companies that use blockchain technology.

The best option for you will depend on your investment goals and risk appetite.

How to store cryptocurrency

Once you have purchased cryptocurrency, you need to store it safely to protect it from hacks or theft. Usually, cryptocurrency is stored in crypto wallets, which are physical devices or online software used to store the private keys to your cryptocurrencies securely. Some exchanges provide wallet services, making it easy for you to store directly through the platform. However, not all exchanges or brokers automatically provide wallet services for you.

There are different wallet providers to choose from. The terms “hot wallet” and “cold wallet” are used:

Hot wallet storage: "hot wallets" refer to crypto storage that uses online software to protect the private keys to your assets.

Cold wallet storage: Unlike hot wallets, cold wallets (also known as hardware wallets) rely on offline electronic devices to securely store your private keys.

Typically, cold wallets tend to charge fees, while hot wallets don't.

How to buy cryptocurrency.

What can you buy with cryptocurrency?

When it was first launched, Bitcoin was intended to be a medium for daily transactions, making it possible to buy everything from a cup of coffee to a computer or even big-ticket items like real estate. That hasn’t quite materialized and, while the number of institutions accepting cryptocurrencies is growing, large transactions involving it are rare. Even so, it is possible to buy a wide variety of products from e-commerce websites using crypto. Here are some examples:

Technology and e-commerce sites:

Several companies that sell tech products accept crypto on their websites, such as newegg.com, AT&T, and Microsoft. Overstock, an e-commerce platform, was among the first sites to accept Bitcoin. Shopify, Rakuten, and Home Depot also accept it.

Luxury goods:

Some luxury retailers accept crypto as a form of payment. For example, online luxury retailer Bitdials offers Rolex, Patek Philippe, and other high-end watches in return for Bitcoin.

Cars:

Some car dealers – from mass-market brands to high-end luxury dealers – already accept cryptocurrency as payment.

Insurance:

In April 2021, Swiss insurer AXA announced that it had begun accepting Bitcoin as a mode of payment for all its lines of insurance except life insurance (due to regulatory issues). Premier Shield Insurance, which sells home and auto insurance policies in the US, also accepts Bitcoin for premium payments.

If you want to spend cryptocurrency at a retailer that doesn’t accept it directly, you can use a cryptocurrency debit card, such as BitPay in the US.

Cryptocurrency fraud and cryptocurrency scams

Unfortunately, cryptocurrency crime is on the rise. Cryptocurrency scams include:

Fake websites: Bogus sites which feature fake testimonials and crypto jargon promising massive, guaranteed returns, provided you keep investing.

Virtual Ponzi schemes: Cryptocurrency criminals promote non-existent opportunities to invest in digital currencies and create the illusion of huge returns by paying off old investors with new investors’ money. One scam operation, BitClub Network, raised more than $700 million before its perpetrators were indicted in December 2019.

"Celebrity" endorsements: Scammers pose online as billionaires or well-known names who promise to multiply your investment in a virtual currency but instead steal what you send. They may also use messaging apps or chat rooms to start rumours that a famous businessperson is backing a specific cryptocurrency. Once they have encouraged investors to buy and driven up the price, the scammers sell their stake, and the currency reduces in value.

Romance scams: The FBI warns of a trend in online dating scams, where tricksters persuade people they meet on dating apps or social media to invest or trade in virtual currencies. The FBI’s Internet Crime Complaint Centre fielded more than 1,800 reports of crypto-focused romance scams in the first seven months of 2021, with losses reaching $133 million.

Otherwise, fraudsters may pose as legitimate virtual currency traders or set up bogus exchanges to trick people into giving them money. Another crypto scam involves fraudulent sales pitches for individual retirement accounts in cryptocurrencies. Then there is straightforward cryptocurrency hacking, where criminals break into the digital wallets where people store their virtual currency to steal it.

Is cryptocurrency safe?

Cryptocurrencies are usually built using blockchain technology. Blockchain describes the way transactions are recorded into "blocks" and time stamped. It's a fairly complex, technical process, but the result is a digital ledger of cryptocurrency transactions that's hard for hackers to tamper with.

In addition, transactions require a two-factor authentication process. For instance, you might be asked to enter a username and password to start a transaction. Then, you might have to enter an authentication code sent via text to your personal cell phone.

While securities are in place, that does not mean cryptocurrencies are un-hackable. Several high-dollar hacks have cost cryptocurrency start-ups heavily. Hackers hit Coincheck to the tune of $534 million and BitGrail for $195 million, making them two of the biggest cryptocurrency hacks of 2018.

Unlike government-backed money, the value of virtual currencies is driven entirely by supply and demand. This can create wild swings that produce significant gains for investors or big losses. And cryptocurrency investments are subject to far less regulatory protection than traditional financial products like stocks, bonds, and mutual funds.

Four tips to invest in cryptocurrency safely

According to Consumer Reports, all investments carry risk, but some experts consider cryptocurrency to be one of the riskier investment choices out there. If you are planning to invest in cryptocurrencies, these tips can help you make educated choices.

Research exchanges:

Before you invest, learn about cryptocurrency exchanges. It’s estimated that there are over 500 exchanges to choose from. Do your research, read reviews, and talk with more experienced investors before moving forward.

Know how to store your digital currency:

If you buy cryptocurrency, you have to store it. You can keep it on an exchange or in a digital wallet. While there are different kinds of wallets, each has its benefits, technical requirements, and security. As with exchanges, you should investigate your storage choices before investing.

Diversify your investments:

Diversification is key to any good investment strategy, and this holds true when you are investing in cryptocurrency. Don't put all your money in Bitcoin, for example, just because that's the name you know. There are thousands of options, and it's better to spread your investment across several currencies.

Prepare for volatility:

The cryptocurrency market is highly volatile, so be prepared for ups and downs. You will see dramatic swings in prices. If your investment portfolio or mental wellbeing can't handle that, cryptocurrency might not be a wise choice for you.

Cryptocurrency is all the rage right now, but remember, it is still in its relative infancy and is considered highly speculative. Investing in something new comes with challenges, so be prepared. If you plan to participate, do your research, and invest conservatively to start.

One of the best ways you can stay safe online is by using a comprehensive antivirus. Kaspersky Internet Security defends you from malware infections, spyware, data theft and protects your online payments using bank-grade encryption.

Related articles:

What is cryptojacking and how does it work?

What is Bitcoin?

Four common cryptocurrency scams

Scam websites and how to avoid them

How safe are money e-transfers?

Insurance for Businesses

 The Right Types of Insurance for Businesses

types of business insuranceThere are many types of insurance options out there that business owners can get. Insurance helps protect your company from different risks that can come up during normal operations. Choosing what business insurance you need can seem overwhelming, but we’re here to help.

 

Many business owners start with a Business Owner’s Policy (BOP) for their small business insurance needs. It combines three essential coverages:

 

General liability insurance

Commercial property insurance

Business income insurance

We made our BOP customizable, so you can add other business insurance coverages to get more protection. For example, if your business provides a professional service to customers, you may want to get a professional liability insurance policy. It can help protect your business from claims that it made a mistake in the professional services given.

 

We know every business is different. That’s why we’re here to help you get the right types of business insurance.

 

8 Types of Insurance Policies for Small Businesses to Consider

types of insurance policyYou may have to get different types of insurance depending on the industry you’re in. That’s because every business faces unique challenges and risks.

 

While there are many types of insurance that you can get, read about eight policies that many small businesses can get to help protect them from a variety of risks.

 

1. General Liability Insurance (GLI)

General liability insurance helps protect your business from claims that it caused:

 

Bodily injury to someone else

Property damage to another person’s belongings

Personal injury, like libel or slander

2. Commercial Property Insurance

Commercial property insurance helps protect your owned or rented building and equipment that you use to run your business.

 

Be aware that this insurance doesn’t cover damage from earthquakes or floods. You’ll likely have to get a separate policy, like commercial flood insurance, to help protect your business from these kinds of claims.

 

3. Business Income Insurance

If you can’t run your business because of covered property damage, business income insurance can help replace your lost income. So, you can use this coverage to help pay for ongoing expenses, like rent, utility bills or payroll. This type of insurance is also known as business interruption insurance.

 

4. Professional Liability Insurance

Professional liability insurance helps cover lawsuits claiming that you made a mistake in the services you provided. This type of insurance is also known as errors and omissions (E&O) insurance.

 

5. Workers’ Compensation Insurance

Workers’ compensation insurance gives your employees benefits if they get hurt or sick from their job. These benefits can help:

 

Pay for their medical bills

Replace most of their lost wages if they miss work to recover

Cover funeral costs if they lose their life due to a work-related injury or illness

Pay for ongoing care, like physical therapy

Most states require businesses with employees to carry workers’ compensation insurance. You can face fines, penalties and criminal charges if you don’t comply with your state’s law.

 

6. Data Breach Insurance

Data breach insurance helps your business respond to a data breach if personally identifiable information gets lost or stolen. Some insurers may call this coverage cyber insurance.

 

Data breach insurance can help pay your costs to:

 

Notify impacted individuals

Offer identity theft monitoring services

Create a public relations campaign

7. Commercial Umbrella Insurance

Commercial umbrella insurance extends the coverage limits for some of your liability policies. So, if a claim exceeds the limits on your policy, your umbrella insurance can help cover the difference.

 

8. Commercial Auto Insurance

Commercial auto insurance helps protect you and your employees on the road if you drive company-owned vehicles for business. It can help cover property damage and bodily injury claims from an accident your business causes. This is important because a personal car insurance policy won’t help cover third-party claims in an accident you cause with a business-owned vehicle.

 

What Different Types of Insurance Are Small Business Insurance Requirements?

different types of insuranceDepending on your type of business and where you are, the law may require you to carry certain types of insurance. For example, most states require employers to have workers’ compensation insurance. Some states have laws for business insurance by industry. For example, accountants may have to get professional liability insurance.

 

It’s important to make sure you’re familiar with your state business insurance laws. You can work with an insurance agent to make sure you’re complying with regulations. They can help you customize an insurance policy that fits your needs and budget.

 

Get Recommendations on the Types of Business Insurance You May Need

Regardless of the size of your business and any industry trends, business insurance coverage is important. It can give startups a good foundation when they open their doors for the first time. And it’s important for experienced business owners too, because depending on your business and your types of insurance, policy needs may change over time.

 

We’re an insurance company backed by more than 200 years of experience and we’ve helped more than 1 million small business owners. Our specialists want to do the same for you. We can work with you to get the types of business insurance your company needs. Get a business insurance quote today and learn how we can help you.