Simple measures avoid common scams on the internet, including against mature people. Learn about actions that provide digital security for seniors.
New technologies are important tools to facilitate the daily lives of the population and it is not for nothing that the Central Bank found, in the Financial Citizenship Report 2021, that “the access of the elderly to the financial system increasingly passes through digital”. In this scenario, the dissemination of measures to ensure digital security for the elderly becomes even more relevant.
According to the same Central Bank document, the increase in digital solutions available by financial institutions has also reached the longest-lived. The covid-19 pandemic ended up intensifying this reach, “both due to the need caused by social distancing (…) and the launch of solutions, such as Pix, which reduced the technological barrier faced with more intensity by this part of the population”.
However, the popularization of digital solutions also reveals the challenges of people 60+ who tend to have more difficulty with learning new tools.
But it is important to know that with some measures it is possible to improve digital security and avoid the main scams on the internet, in order to generate the true inclusion of mature people in the new digital financial products.
After all, what is digital security?
Digital security is, in simple terms, the adoption of rules and procedures with a single purpose: to protect users from vulnerabilities in systems and networks from possible cyber crimes.
Such infractions revolve around the search for improper access to personal, financial and other confidential data , whether for theft, obtaining an unlawful advantage in credit negotiations or even to threaten users with extortion and other actions.
The great challenge of digital security is directly related to the popularization of the internet and the massive use of the network. Currently, there are millions of connected devices and the preparation of criminals is increasingly elaborate.
Therefore, in view of the digitization of society, in general, digital security is essential for safe access for all.
How important is digital security for seniors?
Through the internet, using a cell phone, tablet or computer, it is possible to perform a series of services, which makes the routine more comfortable and safe.
Retirees and pensioners, for example, have access to managed security services in the palm of their hands , without having to go to a physical branch for service. Therefore, they can track payments, request services and much more, thanks to platforms like Meu INSS and SouGov .
On the other hand, the growing evolution of digital users also incurs risks for virtual security, mainly due to the lack of recognition of the importance of the proper use of the internet for digital security.
There are several criminal practices that can result in the theft of personal data, financial information, as well as values in bank accounts and even taking undue loans on behalf of third parties. Given this, it is crucial to understand that digital security is indispensable, especially for the 60+ population.
Therefore, although there is an enormous ease in the routine of these people, thanks to the use of the internet, it is vital to observe certain practices to protect personal information and property.
7 precautions to avoid digital scams
Recent data from the Central Bank also showed that, in line with the rest of the population, the elderly also began to use mobile devices (such as cell phones and tablets) more and less to access the internet in recent years.
However, regardless of the medium used, following some general tips are essential with regard to digital security for the elderly. Below are 7 tips for using the internet safely.
1. Beware of personal data
The sharing of personal information on the internet should be avoided, being restricted to trusted sites and platforms that offer digital security requirements . This is because this type of carelessness can facilitate scam applications, such as hacking into social media accounts, identity theft, signing loan agreements, etc.
This kind of care also applies when it comes to buying online. To avoid having data accessed improperly, it is important to check the security attributes of the pages, which must have the “HTTPS” security seal.
In addition, it is also necessary to analyze the connection, given that public networks and computers or smartphones with viruses are subject to invasions. Thus, any data entered using a public internet network can be easily intercepted.
2. Password creation and management
The password is nothing more than a code to access digital accounts, whether banking or shopping sites and social networks. However, when it comes to financial services, care is even greater with them, given that malicious people can access victims’ balances remotely, if the password has fallen into the wrong hands.
In order not to generate greater opportunities for this type of crime, it is very important to choose passwords correctly. Therefore, dates of birth, telephone numbers or identification documents, as well as sequential letters and numbers , should be avoided as a password .
In addition, using password managers can make life even easier for users on the internet: this type of tool gathers all passwords in one space, including access codes for social networks, banks, credit cards, among others. In this way, managers function as “safes” that keep access information to different platforms safe, without the need to memorize all of them.
The security of managers is linked to the encryption system; through the manager itself, it is enough for the user to memorize the so-called “master password”.
3. Double authentication on digital platforms
Dual authentication or two-factor authentication, as it is also known, is another useful digital security feature for seniors. The procedure makes it difficult to access accounts improperly, even if the password has been leaked, for example.
Basically, this system consists of sending a PIN code for login authorization, either by email or SMS, on registered devices. In general, lost, stolen or hacked cell phones tend to be more fragile if this feature is disabled. Consequently, third parties may have access to profiles on social networks, as well as bank accounts.
On the other hand, by keeping the information of the second factor enabled , it will be possible to inhibit access to any type of information or personal data. It is worth noting that among the most common mechanisms, 2FA stands out. Through it, the interested party informs his access password and the service sends an SMS or e-mail containing the code for user authentication.
4. Use biometrics
Another way of digital protection is using the biometric system. Like double authentication, this procedure consists of a mechanism that allows access to a specific application or digital platform through biometric recognition of both the fingerprint and the face or vocal timbre.
This is a very secure and sophisticated method , since its characteristics prevent unauthorized access, as it is less exposed to possible vulnerabilities — after all, each individual has unique biometric information. Therefore, this system is considered very efficient.
5. Do not open links from strangers
A very common criminal practice is known as phishing or phishing scam and is associated with the main forms of fraudulent access to email accounts, financial applications and profiles on social networks. This type of scam consists of sending false messages both via email and social networks (mainly WhatsApp).
This scam is characterized by sending messages containing “baits” to draw the user’s attention and make him perform some action, even if it puts him at risk. When attracted by the criminal through these messages, the victim usually informs sensitive data such as bank accounts, passwords and other confidential information.
6. Do not transfer money without checking first
Payment and money transfer has become a very common practice, even more so with the institution of Pix , an instant and no-cost payment method created by the Central Bank in 2020.
Through the internet it is possible to pay slips and make electronic transfers between accounts with a few clicks. In the case of bank slips, this type of payment is more used by those who do not have a bank account or even do not have a credit card.
7. Use only secure networks
Finally, another fundamental point in digital security for the elderly is the use of internet networks. Many establishments offer free Wi-Fi to consumers.
However, what few people know is that this type of public network is not secure, especially for carrying out financial transactions , as well as accessing sensitive data — such as passwords for social networks, bank accounts and credit cards.
Thus, it is necessary to perform such actions using a secure internet connection. If not possible, an alternative is to use the mobile data of the cell phone. In addition, using computers that are shared by many people, such as library or work PCs, to access sensitive information is not recommended.
How to Choose the Best VPN for Home Improvement Supplies
Home improvement supplies are necessary for any home renovation project. From tools and materials to furniture and fixtures, home improvement supplies help to make any project successful. But choosing the right supplies can be a challenge. This article will discuss the types of home improvement supplies and what to consider when choosing them.
Common Home Improvement Supplies
When it comes to home improvement supplies, there is a wide range of options available. Common home improvement supplies include tools, hardware, plumbing materials, paint, and lighting fixtures. These supplies can be purchased from a local store or online. Additionally, you may also need to rent or hire a contractor or specialist to complete the project.
Factors to Consider When Choosing Home Improvement Supplies
When choosing home improvement supplies, there are several factors to consider. These include cost, quality, and durability.
Cost is an important factor to consider when choosing home improvement supplies. Depending on the type of project, supplies can be costly. It is important to shop around and compare prices to get the best deal. Additionally, you should consider the quality of the supplies to ensure you are getting the best value for your money.
Quality is another important factor to consider when choosing home improvement supplies. Quality supplies will last longer and perform better than cheaper alternatives. It is important to choose supplies from reputable brands and check reviews to make sure they meet your needs.
Durability is also an important factor when selecting home improvement supplies. Durable supplies will last longer and require less maintenance over time. It is important to choose supplies made of high-quality materials that are designed to withstand wear and tear.
Tips for Choosing the Best VPN for Home Improvement Supplies
When shopping online for home improvement supplies, it is important to use a VPN (Virtual Private Network). A VPN helps to protect your privacy and keep your information safe. Here are some tips for choosing the best VPN for home improvement supplies:
Understand the Need and Usage
Before choosing a VPN for home improvement supplies, it is important to understand the need and usage. A VPN can help protect your online purchases from hackers and keep your information safe.
Research Different VPN Options
Once you understand the need and usage of a VPN, you should research different VPN options. There are a variety of VPNs available, and it is important to choose one that meets your needs. Consider the features, cost, and speed of the VPN before making a decision.
Choose a VPN with Adequate Security Features
When choosing a VPN for home improvement supplies, it is important to choose one with adequate security features. Look for a VPN that offers encryption and other security features to keep your information safe.
Check the Data Limit of the VPN
Another important factor to consider when choosing a VPN for home improvement supplies is the data limit. Check the data limit of the VPN to make sure it is sufficient for your needs.
Check the Speed of the VPN
Finally, it is important to check the speed of the VPN. The speed of a VPN is important, as a slow connection can affect the performance of your online purchases.
Choosing the best VPN for home improvement supplies is an important step in protecting your information and keeping your purchases safe. Consider the need and usage of a VPN, research different options, and make sure to check the data limit and speed of the VPN. If you are looking for a reliable and secure VPN for your home improvement project, consider VPN Canada.
Compound Interest: How It Works and How To Calculate?
A phrase attributed to the renowned physicist Albert Einstein says that compound interest is the eighth wonder of the world: “Whoever knows wins, whoever does not know pays”.
Although it is not possible to attest to the veracity of this quote, compound interest is, in fact, an intriguing invention, as is the concept of money itself.
Imagine that, over time, your equity multiplies at a certain rate without you having to make any effort. This is the most basic idea behind the mechanism.
In the same way, compound interest also determines the growth rate of a debt, generating the famous snowball effect.
From now on, you’ll understand more about how compound interest works and find out how to incorporate them into your financial planning. In the end, you will arrive at the same supposed conclusion as Einstein. Read on!
What is Compound Interest?
Interest is the cost of money over time. In a loan, this is that additional amount you pay over the original amount (also called capital or principal) for borrowing an amount.
The reverse is also true: in investments, it is that extra money you receive when you lend someone a sum for a certain period.
In this way, it is already possible to perceive that, in addition to the interest rate itself, another very important factor in these operations is time. The longer the money takes to be returned to the original source, the higher this fee will be.
There are two ways to determine the rate of growth of the interest rate on a loan or investment: using the simple interest method or the compound interest method. Moreover, there is a quick equity release compound interest calculator that will let you calculate compound interest within a minute.
In the case of simple interest, the rate increases linearly. This means that a simple multiplication of the principal by the rate and duration of the operation is enough to obtain the amount that must be paid in interest. We will see a practical example later.
In the case of compound interest, the rate grows at an exponential rate. Thus, the value of interest in each period is multiplied by the value of the next, increasing the cost of money over time.
What is the Simple Interest Formula?
As we have already seen, it suffices to simply multiply the capital by the rate to find the final amount that must be paid or received. This type of calculation is very common in dollar operations.
Let’s see an example: imagine that you took out a loan of US$ 1,000 at a rate of 5% per annum and that you intend to pay off your debt in two years.
Therefore, at simple interest, just multiply the US$ 1,000 by 10% (the accumulated value of the rate in two years) to obtain the final amount of the operation.
Over time, this amount is always multiplied by the same amount to calculate interest.
Thus, using the formula of simple interest (j = C xixt), we find the amount of interest that must be paid.
From there, we find the total amount of debt by adding interest to principal (M = C + j).
Interest (j) = Capital (C) x rate (i) x time (t)
Interest = 1,000 x 5% per year x 2 years = 100
Amount (M) = Capital (C) + Interest (j)
1,000 + 100 = 1,100
What is the Compound Interest Formula?
Imagine the same operation as in the previous topic, now governed by compound interest. It would look like this:
Amount (M) = Capital (C) x (1 + rate (i)) ^ number of time periods (n)
Amount = 1,000 x (1 + 5%) ^ 2 = 1,102.50
As you can see, there was a small difference (of 2.50) between the application of the simple interest formula and the compound interest formula. However, this difference becomes bigger and bigger with the passage of time.
Important: Be careful with the equivalence of time in relation to the rate. Thus, if the rate is expressed as a percentage per year (% per year or per year), the operation time also needs to be considered on an annual basis for the calculation to be correct.
Likewise, if the rate is on a monthly basis (% per month or am), always make sure to consider the term of the operation in months so as not to make a mistake in the calculations.
Why do we Use the Letter i to Represent the Rate?
You may have noticed that it is very common to represent the interest rate with the letter i. This is because, so that it is not confused with the time variable (t), it was agreed to import the abbreviation of the expression in English, interest rate, which means interest rate.
Therefore, whenever you come across more technical content, you will probably see the acronym i or even the expressions interest or interest rate.
How to Use Compound Interest?
As you’ve seen here, compound interest is a powerful tool. At the same time that they multiply debts, they can be fundamental for building your equity.
In that sense, it’s worth reviewing the way you’re using your money. Start with the following step by step:
1. Avoid Long Installments
As you saw here, the longer it takes you to return the money to the borrower, the greater the cost of the money to you. Therefore, if you have to pay interest in installments, try to do this in the shortest possible time. This way, you avoid leaving more money on the table.
Likewise, always seek to know the Total Effective Cost (CET) of any credit operation before closing a deal.
The more complex this operation is, the more it is necessary to pay attention to conditions that go beyond interest, such as insurance and other additional fees.
2. Always Invest. Every Additional Application Counts
If you can only invest R$ 100 per month, go for it. Each small additional application counts a lot for the formation of your equity and helps you to get closer to your objectives when investing.
At that moment, rely heavily on the help of compound interest to multiply your capital. As you saw earlier, the more time passes, the more your money multiplies under this powerful tool.
3. Swap Expensive Debts for Cheaper Ones
Renegotiating a debt is another way to stop spending money on interest. In this way, seek to advance installments whenever possible. If you have a loan, debt repayment will help you pay it off faster and pay less interest in the end.
If you already have investments such as CDB, LCI and LCA, another possibility is to resort to Investment Guaranteed Credit (CGI). This is a new modality in Brazil, but it promises to change the way Brazilians use credit.
Nobli, for example, is the first fintech on the market to offer this type of service independently. Previously, it was restricted to the shelves of large banks and Private Banking investors.
The big advantage is that you don’t have to dispose of your assets to capitalize. They continue to yield normally while you carry out your plans.
Stand Out Online: Building an Agency Website with the Perfect Template
In today’s digital age, having a strong online presence is crucial for agencies looking to attract new clients and showcase their expertise. One of the key elements of a successful online presence is a well-designed and optimized agency website. By leveraging the power of an agency website template, you can create a stunning website that captivates your audience and sets your agency apart from the competition. We will explore the benefits of using an agency website template and provide insights on how to build an exceptional website that truly represents your brand imaging expertise.
Why Choose an Agency Website Template?
An agency website template offers numerous advantages for agencies seeking to establish a professional and captivating online presence.
Let’s take a closer look at the key reasons why an agency website template is the perfect choice:
- Elegance and Functionality:A well-designed agency website template exudes professionalism and creativity. It allows you to showcase your agency’s unique style and offerings with a visually appealing design that works seamlessly across all devices, from desktop to mobile.
- Customization Options:Every agency is unique, and an agency website template provides the flexibility to customize the design to match your branding.
- Concise and Impactful Overview:An agency website template is designed to offer a brief yet impactful overview of your services. It enables you to highlight your team’s expertise, showcase successful projects, and emphasize the unique value you bring to clients.
- User-Friendly Interface:Navigation is crucial in ensuring a positive user experience. An agency website template provides smooth scrolling and intuitive navigation, allowing visitors to quickly explore your website and find the information they need.
- Call-to-Action Elements: Effective call-to-action elements strategically placed throughout your website can drive conversions and encourage potential clients to take the next step.
Building Your Agency Website: Steps to Success
Now that we understand the benefits of using an agency website template let’s delve into the step-by-step process of building an outstanding website that showcases your brand imaging expertise:
Step 1: Choose the Perfect Template
Select an agency website template that aligns with your agency’s style and objectives. Ensure the template offers customization options and features that will help you highlight your expertise and engage your target audience effectively.
Step 2: Personalize Your Website
Once you’ve chosen the template, it’s time to make it your own. Utilize the template’s drag-and-drop interface to personalize every aspect of your website. Update images, edit text, and rearrange sections effortlessly, ensuring your agency website template reflects your unique brand identity.
Step 3: Showcase Your Expertise
Take advantage of the content sections within the template to highlight your agency’s unique selling points. Showcase your team’s expertise, communicate your agency’s mission and values, and let your previous work speak for itself with a visually captivating portfolio. Engage your audience by demonstrating your brand imaging proficiency.
Step 4: Optimize for SEO
Optimizing your agency website template for search engines is essential to stand out online and attract organic traffic. Research relevant keywords, including the targeted keyword “agency website template,” and incorporate them naturally into your website’s content, headings, meta tags, and URLs. This will improve your website’s visibility and increase the chances of ranking higher in search engine results.
Step 5: Ensure Responsive Design
In today’s mobile-dominated world, having a responsive design is crucial. Ensure that your agency website template is optimized for different screen sizes and devices. This will provide a seamless browsing experience for your visitors, regardless of whether they are accessing your website from a desktop computer, smartphone, or tablet.
Building an agency website with the perfect template is a powerful way to establish your agency’s online presence and attract new clients. Utilizing an agency website template allows you to create a stunning and customized website that showcases your brand imaging expertise, engages your audience, and sets your agency apart from the competition.
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