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Ways to Protect Your Small Business Online




As a small business owner, a security breach can be devasting. Not only can it result in major theft, but it will also cost money to fix. The loss of customer data can also damage your relationships with clients. In an increasingly dangerous online world, how can you stay safe? Below, we give our tips on protecting your small business online.

Hire an Ethical Hacker

Cybercrime is increasing, and with each day that passes, scams are getting more sophisticated. CyberGhost’s study shows that this is now a more profitable crime in the US than the illegal drug trade and is estimated to reach a cost of $10.5 trillion by 2025. This has increased exponentially since the covid pandemic, and in a global recession, when budgets are tight, security can be the first the suffer. 

The term ‘hacker’ conjures images of people breaking into your accounts and stealing valuable data. Some people hack your systems for good, finding out where your weaknesses are so that you can protect them. These are known as ethical hackers, who work in different ways. The job can be split into three distinct camps.

Firstly, some will ‘bug bounty hunt’ for you. These people report vulnerabilities to companies for a reward. Others will be hired by an organization to attack a company and see where weaknesses are. The final ones are penetration testers, who will go alone and try to get into a system using simulated attacks. On any occasion, the reports will come back to you, and you can begin to improve defenses. 

Up Your Password Game

Hackers don’t even need much personal information to crack your password. They can use sophisticated software to crunch it down on their behalf. Thus, the longer and more complex a password is, the less likely it is to be broken. Money Helper advises using numbers, letters, and special characters as well as upper and lowercase. If you have staff, ensure they are adequately briefed on how to do this. 

Stay Alert to Phishing Scams

Another area that is becoming more sophisticated is phishing scams. Gone are the days of poorly written emails asking you to transfer money for cash prizes. Phishing scams are so sophisticated that even tech-savvy individuals can fall prey to them. Phishing scams account for around half of all cyber-attacks in the UK. 

For those unaware of phishing, it is the process of sending communications to extort information from an individual. Usually, this happens through email and text messages. Fraudsters may pretend to be companies or financial institutions. Once they have the necessary details, they can log into accounts and take what they want.

There are a few ways to spot phishing emails. They may be from different email addresses for the institution they claim to be. Many may still have bad spelling or grammar, though not always. You should check the name of the person sending the email on the company website or LinkedIn to see if they are an actual person working for the company. Finally, anything that asks you to provide bank account details or login codes should be a red flag. 

Update and Backup

Updating your system is easy to overlook. If the updates come fast, you may have other things to attend to. Understandably, the downtime may cost you if customers are visiting your website. You must update as quickly as possible. 

The reason for this is that not only do updates improve usability, but they also improve security. If weaknesses are found that hackers can exploit, updates are usually done to seal them. Failing to update leaves doors open for people to walk in. 

Even with the best security in the world, things may still go wrong. This is why you also need to back up your website. If everything goes down, a quick reboot will see it back to where it was. Backing up is also much easier than you may think. It can be done on external storage or even in the cloud, and most major hosting services like GoDaddy will offer it

No one is guaranteed to be safe. With these tips, you may do enough to dissuade a would-be hacker and send them on their way, looking for an easier target.

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Breaking Down Barriers: 6 Online Collaboration Tools for Effective Teamwork




As remote work becomes increasingly common, effective online collaboration tools are more important than ever to help teams work together seamlessly.

Everything from project management software and video conferencing apps to a digital mailbox is available. This article will explore six top-rated online collaboration tools that can help streamline communication and collaboration within your team.

Cloud storage and file-sharing tools

Cloud storage and file-sharing tools allow teams to access and collaborate on files from anywhere. Some popular options include Dropbox, Google Drive, and Microsoft OneDrive. Dropbox is a cloud storage tool that allows teams to store, share, and collaborate on files, with features like automatic syncing and file recovery. Google Drive, on the other hand, is a popular choice for teams that use Google’s suite of productivity tools, like Google Docs and Sheets.

Video conferencing tools

Video conferencing has become vital to remote work, allowing teams to communicate face-to-face from different locations. With so many video conferencing tools available, it can be challenging to choose the right one. Some popular options include Zoom, Google Meet, and Microsoft Teams. Zoom, in particular, has become one of the most popular video conferencing tools due to its ease of use and reliability. Its features, including screen sharing and virtual backgrounds, make it an excellent option for small and large meetings.

Project management tools

Project management tools help teams stay organized and on track, whether working in the same office or remotely. Some popular project management tools include Asana, Trello, and Basecamp. Asana is a powerful project management tool that allows teams to create and assign tasks, set deadlines, and communicate with each other in real time. Trello, on the other hand, is a visual tool that uses boards, lists, and cards to organize tasks and projects.

Instant messaging tools

Instant messaging tools allow teams to communicate quickly and easily without the need for email or phone calls. Some popular instant messaging tools include Slack, Microsoft Teams, and WhatsApp. Slack is a team communication tool that allows teams to organize their conversations into channels and direct messages, share files, and integrate with other tools.

Online whiteboards and diagramming tools

Online whiteboards and diagramming tools are helpful for teams that need to brainstorm and collaborate visually. Some popular options include Miro, Lucidchart, and Canva. Miro is a whiteboard tool that allows teams to collaborate on diagrams, wireframes, and mind maps. Lucidchart, on the other hand, is a diagramming tool that allows teams to create and share flowcharts, org charts, and other visual representations.

Time tracking and productivity tools

Time tracking and productivity tools help teams stay on track and meet deadlines. Some popular options include RescueTime, Toggl, and Harvest. RescueTime is a time-tracking tool that helps teams understand how they spend their time and identify areas where they can be more productive. Toggl, on the other hand, is a simple time-tracking tool that allows teams to track time for specific tasks and projects.

Parting words

Effective teamwork requires the right tools for collaboration. Whether it’s video conferencing, project management, cloud storage, instant messaging, online whiteboards, or time tracking, many tools are available to help teams work together more efficiently and effectively. By using these six online collaboration tools, teams can break down barriers and work together, no matter where they are.

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Gold Investment – An Overview




Gold is a safe haven, store of value and hedge against inflation. Additionally, it helps diversify your portfolio as its performance differs from stocks and bonds.

Gold investors have several ways to invest in the precious metal, including exchange-traded funds (ETFs), stock in gold mining companies and purchasing physical bullion or jewelry. Each has its advantages and drawbacks so it’s essential that you carefully weigh each option when determining your strategy.

It’s a safe haven

Gold Investment has always been a reliable option for investors during times of economic and political unrest.

Gold prices typically increase during periods of economic uncertainty. Therefore, it may be a safer investment than stocks during the current runaway inflationary period. It is important to remember that it may not always perform as well as other assets.

When strategizing an asset allocation, one important element to consider is your time horizon. For instance, investing in gold over an extended period of time – say ten or more years – could be beneficial.

Gold is an ideal option for those seeking to pass on their wealth to future generations. Investors can purchase jewelry and bars made of gold or silver, as well as collect gold coins and medallions as a means of passing along their riches.

Gold is an ideal hedge against inflation and currency devaluation. You don’t need to pay capital gains tax until you sell your gold, making it ideal for emergency situations that would otherwise devalue currencies. You can store physical gold in either a safety deposit box at your bank or at home; depending on where you store the asset, you should consider buying insurance for it.

Working with a reputable investment firm can help you simplify the investment process. You can check out this review of Goldmoney for an example of a reputable company. Be sure to research your options thoroughly before making a commitment.

It’s a store of value

Gold investment is a popular option among investors as a store of value.

A store of value is an asset, commodity or currency that retains its value over time without depreciating. This could include items such as gold that can be kept for long-term or interest-bearing assets that can be converted to money at a later date.

Stores of value are essential for nations, as they maintain purchasing power and encourage savings, trade, and investment. For instance, a country’s currency must function effectively in the economy in order to serve as an effective store of value.

A store of value must be durable, portable, divisible and widely used. Other common forms are commodities and interest-bearing assets like government bonds and treasury bills.

Gold and other precious metals have long been used as a store of value due to their divisibility and portability. Furthermore, these metals are fungible – that is, they can be exchanged for other currencies or commodities.

Physical bullion requires safe storage, but you can invest in ETFs or mutual funds that track the price of gold. While these ETFs may be safer than purchasing physical gold, they still carry risks.

Another option is purchasing a gold certificate from an investment company, giving you direct ownership of some of your holdings. However, these certificates come with greater risk as the issuing company could go bankrupt, rendering them worthless.

It’s a hedge against inflation

Investors concerned about inflation may have heard about gold as a possible solution. It has long been used as an investment, providing people with security against price rises. Gold has been around for thousands of years – making it both reliable and popular.

Investment in precious metals can be done through physical bullion bars, coins or jewelry.

Another way to invest in precious metals is through a mutual fund. Mutual funds pool money from several investors and are managed by experienced professionals. While they usually charge higher fees than ETFs, the returns from your investment could be greater.

Precious metal’s long-term performance as an inflation hedge has been somewhat inconsistent, though it can still serve as a safe haven for wealth storage if you are concerned about price increases. Historically speaking, precious metals have performed best during periods of high inflation and low interest rates.

However, it’s essential to remember that precious metals are not immune from other economic forces such as a strong dollar or government policies. This implies that the value of precious metals may decline when there are shocks or wars which drive down other currencies’ prices.

It’s a diversifier

If you are seeking ways to diversify your portfolio, precious metals may be worth considering. This precious metal can act as a safe haven during times of economic stress, protect against inflation, and serve as an investment vehicle.

Precious metals have historically performed well and can increase the value of your portfolio. However, you must be wary when investing in precious metals since its price may fluctuate.

Investors interested in precious metals can hold it through various methods, such as bullion, jewelry and exchange-traded funds (ETFs). The amount of precious metals you should own depends on your risk tolerance and investment objectives.

Diversifying your portfolio is an excellent way to reduce risks and boost returns. Additionally, it helps protect you in case one asset class experiences a decline in value.

Maintaining a strategic asset allocation makes it much simpler to diversify your portfolio. For optimal results, aim for 5-15 percent of your portfolio in hard assets such as precious metals coins or other precious metals.

Twenty to thirty percent of your portfolio should consist of growth funds or other investments that offer higher returns. These assets can help you accumulate wealth and provide a steady source of positive returns in the long run.

With a well-diversified portfolio, you can expect high returns with little volatility. This is because there are various asset classes to choose from and each will perform differently in the market.

Additionally, it’s wise to rebalance your portfolio periodically. Doing so will prevent overexposure to any one type of investment.

Maintaining a diverse portfolio is essential for investors of all experience levels. It is an indication of successful investing and can prove beneficial to your financial future.

If you are thinking about investing in precious metals, it is best to consult an experienced financial professional first. They can give you a recommendation tailored to your investment objectives and risk tolerance.

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Guidelines for Buying a First Rental Property




Buying your first rental property can be a huge investment and an overwhelming task, especially for first-time buyers. From finding the best rental property down to managing renters and tents, without a doubt, owning your first rental property is not for the faint-hearted.

To help you navigate this decision, first, you must coordinate with individuals who have their license to sell property in Florida or any state. Following a set of guidelines is important to streamline the process and make your life easier. Besides, who doesn’t want to invest in a property and leave out all the rest because you don’t know how to deal with it, right?

In this article, we’ll set you up with everything. We will provide all the necessary steps you need to take when buying your first rental property. Whether it’s your first time buying a rental property or you are a seasoned pro, these guidelines can help you buy your first rental property. Check it out!

Do Your Research

Now that you have talked to a person who has the license to sell property in Florida, or any other state, selling your first property and making it a rental property is not a joke you should make. Before you get too far, be sure you are well-equipped with the right knowledge and plan before even doing it.

Also, when you buy a property, one of the questions you have to ask yourself is, what are you looking for in a property? Is it a multifamily property? Or a single property? Always weigh these considerations, as these will play an important role in your final decision.

In addition, you should ask yourself what price range you have in mind, or are there any specifications you want in a property? Where do you want it located, or what’s the neighborhood should be? These are just some of the questions you need to answer first to yourself before anyone can make it more difficult to choose.

Like most investments, you should set a plan, organize, and how you can implement it while bolstering your chances of success. Buying your first rental property can be rewarding and fulfilling; the only problem is if you jump out of nowhere and have yourself a bad property. Once you’ve answered these questions, the next step is getting the numbers.

The Right Location

Location is the name of the game. If you ask any investor or realtor, location will be the major factor if your property can become a good rental property. For example, nobody wants to rent a property with a shaded neighborhood or a high crime rate. Remember, one of the essential features your rental property should have is safety and security.

In addition, nearness to any desirable location can add value to a property. A property near a shopping mall or a tourist destination might be a costly investment from the beginning. Still, if it’s near any tourist destination that can attract thousands of visitors to your area, then it’s safe to say this is a good way to invest in that property.

For example, if a property you’ve bought is near a tourist destination, it might not be a good option to make it a rental property. Instead, what you can do is make that property into a transient one. These can generate steady income streams as destinations in your area keep your property busy.

Becoming a Landlord

If you want to buy a property and make it a rental property, you should prepare to become a landlord. Being a landlord means different to other people, which is why you need to know what it takes to be a landlord to become an effective one.

Being a landlord means going the extra mile for your property. What this means is you’ll be a plumber whenever there are any leaks. If the ceiling needs fixing, you must prepare all your tools to become a carpenter. A landlord’s duty is not only to get money off renters when renting their property, but it also means they can become the jack of all trades for their property.

More importantly, hiring a third-party property manager can help make your life easier when handling transactions, fixes, and many more if you are busy because you have a daytime job. These are professionals that are great at what they do. If your schedule is already busy and you don’t have the luxury of time in the world to answer queries by your tenants or do fixes, hiring a property manager is your best option.

Wrapping Things Up

There’s no recipe for success when buying your first rental property, and the keyword there is first, it means you have to experience everything to get a good idea of how these types of circumstances work.

While it can be quite challenging and overwhelming to start, by reading these guidelines and following these steps, you reduce your chances of not making it work and make your project work. Bumps and bruises are part of it, but the lessons you’ve learned are tools that should help you succeed in this type of investment you are going to make.

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