Dominic Thiem Beats Roger Federer to Secure First Masters 1000 Title at Indian Wells

Thiem had lost in his previous two ATP Masters 1000 finals while Federer was in the final for the third straight year and lost for the second year in a row.

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Are You Covered? This Company Helps You Secure Your Family’s Future

Life comes at you fast.

At 5 years old, Derick Davis’ life changed forever when his father unexpectedly died.

Though he had a life insurance policy, the coverage wasn’t enough to help Davis’ mom keep their family afloat.

When reflecting on his mom’s financial situation, Davis, now 37, says, “She could have been in a better one. She did save some money, especially a lot of the Social Security survivor benefits … but it wasn’t enough.”

Since then, Davis’ life has changed significantly: He lives in Virginia with his wife and two boys, and he works as an assistant professor at the University of Virginia. After completing 13 years of college, he earned a PhD — and racked up thousands of dollars in student loan debt. On top of paying that down, Davis and his wife have two college educations to save for.

With so many futures hanging in the balance, Davis realized he wasn’t doing enough to keep his family protected.

Just like his dad, he had life insurance, but only enough to cover a couple of years’ salary.

“If money’s tight now,” he says, “imagine what it would be like if your income is gone when you’re not around.“

One of the hardest parts about choosing a life insurance policy is trying to figure out just what kind of policy is the best fit for your situation. What if you sign a 15-year policy and something changes?

Ladder gets that. The company makes it easy to keep your family protected, even when your needs change down the line. That’s why it offers term life insurance policies that can be adjusted at any time (i.e. increasing or decreasing the coverage amount), or even cancelled without any additional charges.

Secure Your Family’s Future the Simple Way

Your life is dynamic, and your life insurance coverage should be able to change with it. That’s why Ladder offers flexible coverage.

You can use Ladder’s coverage calculator to figure out how much coverage you should have. Then complete their quick online application in only a few easy steps:

  • Take about five minutes to answer questions about your health and life, such as your activities and medical history.
  • You’ll get an instant decision on coverage, and there’s no risk. Many people receive an offer they can accept immediately. In some cases, simple lab work might be required, but that’s easy, right?
  • When you apply, you’ll need to enter your driver’s license and Social Security number, which is true for any life insurance application. The company needs this information to verify your identity and prevent fraud. It uses a secure website and will not sell your private information.
  • There are no policy fees, and you can cancel anytime. There’s even a 30-day money-back guarantee.

After seeing how simple the process was, Davis and his wife each got a policy through Ladder that covered them both at 10 times their current income.

One of the perks? Davis says their monthly payment is less than their cell phone bill.

“I thought it was going to be hundreds of dollars a month, and that just wasn’t the case.”

Now, he and his wife can sit back and relax, knowing Ladder will help provide financial support for their family if something ever happens to them.

“It makes me feel that I’m doing the right things in order to give my kids the best chance if something should happen,” he says.

Your life is full of changes. With Ladder, you can get life insurance that can change with you.

Farrah Daniel is an editorial assistant at The Penny Hoarder.

The statements and testimonials presented here were provided voluntarily and not in exchange for any payment, and are applicable for the individual(s) mentioned above. Individual results and experiences may vary.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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Signs You’re In A Healthy, Secure Relationship

Man Kissing On Wife Cheek With Cute Daughter Against Clear Sky

Source: Alessandro Biascioli / EyeEm / Getty

In the midst of crazy modern dating, pockets of secure, confident loving relationships bud despite the madness. Secure relationships are marked by both partners being supportive, cooperate and loving towards one another. A secure relationship also reflects on the outside, in the way the partnered folks interact with their family members, friends and loved ones.

Tyler Turk, CEO and Founder of Crafted With Love told Elite Daily that you can spot a secure relationship by observing how a couple interacts with one another.

“There will be open and honest communication along with a strong level of trust and understanding,” Turk explains.

Here are some other signs your relationship is in a good spot:

Less Anxiousness

In the beginning of a partnership we might feel like we are walking on eggshells trying to present our most perfect selves for them to fall in love with. But once your relationship hits a secure place, the anxiousness is replaced by comfort and understanding.

Alone Time Doesn’t Bring Worry

You know those couples who can’t be a part? That may be a sign they aren’t in the most secure place, relationship wise. Partners who have faith in their union can spend time investing in their careers or outside passions without disrupting the flow of their partnership.

“Within a secure relationship, there will be a healthy amount of time together and time spent for yourself or with friends,” Turk said.

Continuing, “In a secure relationship, you focus on creating a strong bond between you both rather than trying to find flaws,” Turk explained.

You Don’t Drop Your Friends

Within a health connection, you won’t feel obligated to drop everyone else in your life in order to keep your relationship mojo flowing. People in secure relationships can invest equally in their friends and their partner.

“Within a secure relationship, there will be a healthy amount of time together and time spent for yourself or with friends,” Turk said.




11 keys to keeping your home WiFi network safe and secure

WIFi wireless router

Many people buy a wireless router, bring it home, plug it in, connect and then forget about their WiFi network.

When you fail to secure your wireless network, not only can someone connect and use your network for illegal or malicious activities, they can also steal private information like user names, passwords, bank account information, social security numbers and other personal information you have stored on your computers and devices.

Take a few minutes to secure your wireless network to ensure your safety.

How to secure your home wireless network

1. Change your router password

Each router comes with a default password that allows you to log into the router. Change the password when you install the router and then change it again every few months.

Choose a strong password that is at least 8 characters long, the more the better. Use a combination of numbers, upper and lower case letters and symbols.

2. Disable remote administration

Remote administration allows you to log into the router remotely via the internet and make setting changes to the router. Most users never use this feature and unless you do use it, remote administration should be disabled.

3. Change your SSID

The SSID, short for Service Set Identifier, is the name of the wireless network. All routers have a default SSID. You must know the SSID to connect to a wireless network.

If there are several wireless networks in range and they have the same SSID, it can be confusing when trying to figure out which network is yours. Changing the SSID also adds a bit of security. If a hacker knows the brand of router you have based on the default SSID name, they are better able to know what vulnerabilities that particular brand of router has.

They can then use that information to potentially break into your network. When you change the default SSID, choose an SSID that is random. Do not use your name, address or any other personal information when creating the SSID.

Consider changing the SSID a few times a year.

4. Disable SSID Broadcast

The SSID of the router is broadcast to anyone within range of your wireless network. That means your neighbors and anyone close to the router can see your wireless network.

You want to disable SSID broadcast after you have setup and configured your router and successfully connected your computers and other devices to the router the first time. After you disable the SSID broadcast people looking at their list of available wireless networks will no longer see your network listed.

Disabling the SSID is not a strong security measure in itself but combined with other security actions, it adds an additional layer of security.

5. Use MAC filtering

MAC filtering allows you to specify which devices are allowed and not allowed to connect to your network. Each network card has a specific media access control address (MAC address) and no two hardware devices use the same MAC address.

A MAC address consists of six pairs of numbers separated by a colon. Wireless routers have a setting called MAC filtering. Using MAC filtering you can log into your router and enter the MAC addresses of the devices you would like to allow to connect to your wireless network. All other devices will be locked out.

You can also block specific MAC addresses from connecting to your router. Some hackers have mimicked MAC addresses, so don’t rely on this alone.

6. Use encryption

Encryption encodes the data transmitted between your computer and other devices and your wireless router. Use the strongest type of encryption your router supports. Choose a strong, unique preshared key/passphrase. This key will be used by anyone who is connecting to your wireless network. As with any other key or password, choose one that is at least 8 characters long and is a combination of numbers, upper and lower case letters and symbols. Change the key a few times a year.

7. Disable Wireless Protected Setup

If your router offers Wireless Protect Setup (WPS) it is best to disable that feature. Hackers have found a way to exploit the PIN feature to get your password.

WiFi protected setup allows you to connect devices to the router using a PIN or Push Button Connect. Using the PIN option, you enter the PIN number on your device to connect. Push Button Connect lets you push a button on the router or click a button while logged into the router and for a limited amount of time a device within range can connect. This allows devices to connect without knowing the passphrase.

8. Pay attention to device lists

Most routers have a device list feature. You can view the list to see what devices are currently connected to your router. You should occasionally review the list and make sure only devices you use are connecting.

9. Be careful with guest access

Most routers have a guest access option. This feature allows guests to connect to your router. If you do not use guest access turn it off.

If you do have guests that need wireless access, use this feature. This gives them access to WiFi without allowing them access to your network: things like shared files and folders, shared printers and other sensitive network information.

Some routers also allow you to restrict how much bandwidth a guest is permitted to use. Choose a secure preshared key/passphrase for guest access and change it often.

10. Consider unplugging your router at night or when you are away

A router cannot be compromised if it is disconnected. Consider unplugging your router when you leave the house for the day, leave for vacation or when you are done using it for the day. This will prevent any malicious activity. It could also prevent a power surge and save money on your electric bill.

11. Keep your router software updated

The software that is installed on your router is called firmware. Manufacturers will release firmware updates to improve performance and to address bugs and security issues. Check for updates a few times a year.

You can check for firmware updates by logging into the router. Most have a tab that allows you to check for updates from that page. You can also go directly to the manufacturers website and download the updates.

Final thought

If all this seems overwhelming, don’t let it intimidate you. It’s really very simple.

You can change the settings on your router using the software provided with the router or by using a web browser on your computer.

Taking the time to properly set up, configure and maintain your home network is important and the minimal effort is more than worth the peace of mind it provides.

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The post 11 keys to keeping your home WiFi network safe and secure appeared first on Clark Howard.


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Your Money, Your Life: Episode 2 – “Does a Good Salary Mean You’re Financially Secure?”

Episode 2

“Does A Good Salary Mean You’re Financially Secure?”

Learn why your feelings and relationship with money are bigger determinants of your sense of financial security than the numbers on your pay check, with guest Jacquette M. Timmons, President & CEO, Sterling Investment Management.

The new personal finance podcast, Your Money, Your Life is sponsored by Prudential and hosted by Black Enterprise’s own Alfred Edmond Jr. This special series features a lineup of great guests including The Breakfast Club’s Angela Yee; DeForest B. Soaries Jr., founder of the dfree Financial Freedom Movement; Tiffany “The Budgetnista” Aliche; and Jacquette M. Timmons, president & CEO of Sterling Investment Management. The show will cover money topics ranging from how to control your debt to our psychological relationship with our finance. A can’t miss!


The post Your Money, Your Life: Episode 2 – “Does a Good Salary Mean You’re Financially Secure?” appeared first on Black Enterprise.

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