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Securing Your Network: Creating a safe home Wi-Fi environment

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Network, Wi-Fi

(Family Features) If you’re like most people, you likely use your home internet to pay bills, shop online, send emails, watch movies and more. With everything from smartphones and laptops to security systems and thermostats connected to your home’s Wi-Fi, protecting your network is vital to keeping your personal information secure.

Much the same as you lock your front door to help protect your valuables inside, ensuring your wireless network is secure can help safeguard personal information like account passwords and credit card numbers and protect your devices from cyber threats. Consider these tips to create a secure online environment.

Understand Wi-Fi Security Protocols
By understanding different Wi-Fi security protocols, you can make informed decisions to protect your network and prevent unauthorized access. There are several protocols available, including WEP (wired equivalent privacy), WPA (Wi-Fi protected access) and WPA2 (Wi-Fi protected access 2). WPA2 is currently the most secure option and should be used whenever possible.

Set a Strong Password
By setting a strong Wi-Fi password, you can significantly reduce the risk of unauthorized access to your network.Your password should be long, complex and unique. Avoid using common words or easily guessable combinations. Consider using a combination of uppercase and lowercase letters, numbers and special characters.

Enable Network Encryption
Network encryption adds an extra layer of security to your Wi-Fi network. Encryption scrambles the data transmitted between your devices and the router, making it unreadable to unauthorized users. To enable network encryption, access your router’s settings and look for the encryption options. Choose the strongest encryption protocol available – either WPA2-PSK (pre-shared key) or WPA3 – and enter a strong password to ensure your network is protected from eavesdropping and unauthorized access.

Enhance Network Security with MAC Address Filtering
MAC Address Filtering is an additional security measure that can help prevent unauthorized devices from connecting to your Wi-Fi network. Every network device has a unique MAC (media access control) address, which can be used to control access to your network. To set up MAC Address Filtering and create a whitelist of allowed devices that can connect to your network, access your router’s settings and enter the MAC addresses of the devices you want to allow in the filtering section.

Update Router Software
Router manufacturers regularly release firmware updates to fix security vulnerabilities and improve performance. To update your router’s software and reduce the risk of unauthorized network access, check the manufacturer’s website or your router’s administration interface for available updates. Follow the instructions to download and install the latest firmware.

Find more cybersecurity tips to protect yourself online at eLivingtoday.com.

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https://stmdailynews.com/enhancing-your-safety-on-public-wi-fi-the-power-of-a-vpn/

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Lifestyle

Plan for a Secure Financial Future

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financial situation

(Family Features) A bumpy economy and rising cost of living have Americans rethinking their finances.

In fact, about 36% of households feel anxious about their current financial situation, according to the Financial IQ Study by World Financial Group.

Although short-term pressures and demands can make it difficult, developing a financial strategy based on both literacy and resilience is key to establishing a solid financial future. To many, financial literacy and financial resilience mean the same thing. In fact, financial literacy refers to knowledge, while resilience means you are more likely to be prepared for unexpected financial events.

Wondering where to start? Here are some tips to help build a more financially sound future.

Review Your Current Financial Situation
Having a firm grasp on your current income and expenses can provide insight into adjusting your finances to reach your goals. Most households believe the day-to-day cost of living is a key short-term financial priority. While meeting your immediate needs is essential, so is planning for the future. Determining what money is coming in and what you owe each month tells you how much is left for discretionary spending and saving.

Start Saving Now
It’s never too early to start saving. Even a modest amount set aside every month will grow into a more meaningful account balance over time. A common rule of thumb is 20% of your overall income. You can stretch your income further by taking advantage of options like employer retirement savings programs that deduct funds before taxes, especially if the employer matches your contributions.

Consult a Financial Professional
You don’t have to be a financial whiz to create a smart plan for your future. Financial professionals can help design a strategy tailored to your specific needs. They specialize in helping individuals and families find financial confidence through life insurance, retirement and wealth-building strategies. You can take a financial literacy quiz to assess your financial resilience and measure your readiness to withstand economic challenges.

Prepare for Unexpected Expenses
Unexpected events can have catastrophic impacts on household finances. For example, leaving the workforce early due to illness could mean years of lost earning power, which could impact your short- and long-term priorities. Other examples, like unplanned home repairs or medical expenses, can also make a major dent in your financial plan. Creating an emergency fund, separate from a savings account, can help offset the impact of unexpected expenses.

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Safeguard Your Family
Losing a family member can bring much more than heartbreak, especially if that person’s income factors heavily into the household budget. However, different types of life insurance are designed to help safeguard your finances and can accommodate different budgets and lifestyles.

Term life insurance offers individual life insurance protection for a specified number of years. It’s usually less expensive than permanent insurance with the same face value. Permanent life insurance, including whole-life coverage, remains in effect until the policyholder’s death as long as premiums are paid. Most permanent life insurance policies also offer some type of savings component that builds cash value over the life of the policy.

Learn more and test your literacy and financial resilience at WorldFinancialGroup.com.

Photo courtesy of iStock


SOURCE:
World Financial Group

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.


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Economy

Understanding Inflation in Today’s US Economy: Causes, Effects, and Policy Responses

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Inflation remains one of the most discussed and misunderstood economic issues affecting the United States today. With rising prices impacting everything from grocery bills to gas stations, understanding the underlying causes, ongoing impacts, heresies and speculations, and possible solutions is essential. In this blog, we delve into the complexities of inflation and examine the role of government actions, particularly under the Biden Administration, in managing this economic challenge.

one us dollar banknote on table. Inflation
Photo by Matthias Groeneveld on Pexels.com

What Causes Inflation?

Inflation can arise from several sources, categorized mainly into three types: demand-pull inflation, cost-push inflation, and built-in inflation.

  • Demand-pull inflation occurs when the demand for goods and services exceeds their supply.
  • Cost-push inflation is caused by an increase in the costs of production, such as raw materials and wages.
  • Built-in inflation emerges from the expectation of future price increases, leading workers to demand higher wages, which companies pass on to consumers as higher prices.

Understanding these mechanisms is crucial to addressing inflation effectively, as each type may require different policy responses.

Current Causes of Inflation in the US

Today, the US economy faces inflation driven largely by post-pandemic economic recovery dynamics. Key factors include supply chain disruptions, increased consumer spending, substantial government stimulus measures, and global economic pressures. Each of these factors has combined in unique ways to push prices upward, albeit hopefully temporarily.

Heresies, Speculations, and Truths

A significant point of contention and speculation revolves around the concept that corporations are exploiting these turbulent times to increase prices disproportionately, thereby boosting profits at the expense of consumers. While businesses are indeed facing increased costs, the extent to which these are being passed on to consumers varies by industry and firm, leading to debates over potential price gouging.

This raises an essential question: Are current inflation trends purely the result of macroeconomic factors, or are they exacerbated by strategic corporate pricing behaviors? The truth likely lies somewhere in between, reflecting the complex interplay of cost-driven pricing adjustments and market power.

Policy Responses and Actions by the Biden Administration

Addressing inflation requires a combination of monetary policy, fiscal adjustments, and targeted interventions.

  • Monetary Policy: Traditionally managed by the Federal Reserve, this includes manipulating interest rates and controlling the money supply to temper economic overheating.
  • Fiscal Policy: Here, government spending and taxation play roles—areas where the administration has significant influence.
  • Regulatory Measures: The government can enforce antitrust laws, monitor unfair pricing practices, and ensure a competitive market environment.

Under President Biden, the Inflation Reduction Act represents a broad policy measure ostensibly designed to tackle inflation by making long-term investments in energy infrastructure, healthcare, and tax reforms. While its name suggests an immediate reduction in inflation, its actual impacts are geared more towards future economic stability and growth.

Furthermore, the administration can support the economy through social programs, wage supports, and direct financial aid, which can alleviate the burden on consumers and help stabilize demand.

Something to Think About

While inflation remains a pressing issue, it is clear that no single policy or action can completely address its varied causes. A balanced approach that includes responsible monetary policy, prudent fiscal management, and firm regulatory oversight is essential. Moreover, clear communication and strategic planning by the administration can help set realistic expectations and guide the economy toward a more stable future.

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In tackling inflation, understanding its roots, dispelling myths, and implementing a holistic strategy are vital steps forward for the Biden administration and other stakeholders. As we navigate these economic challenges, staying informed and engaged is crucial for all citizens.

References and Resources

Understanding inflation involves a multi-faceted approach, taking into account economic theories, current events, and policy impacts. Here are some resources that can provide a well-rounded view of the ongoing discussions and analyses regarding inflation in the current US economy:

  1. Federal Reserve Economic Data (FRED) – St. Louis Fed
  • Website: FRED – Economic Data
  • Description: Access a wealth of data on inflation, interest rates, employment, and more. An invaluable tool for analyzing economic trends.
  1. Bureau of Economic Analysis (BEA)
  • Website: BEA – U.S. Economic Accounts
  • Description: Find detailed economic analyses and data on GDP, consumer spending, and corporate profits, all of which tie into broader inflation discussions.
  1. The Economist – Finance and Economics Section
  • Website: The Economist
  • Description: Offers insightful articles on global and US economic conditions, including expert analyses on inflation and government policies.
  1. “The Causes and Consequences of Inflation” – Brookings Institution
  • Website: Brookings
  • Description: Brookings provides thorough research articles and papers on economic topics, including detailed discussions on inflation causes and effects.
  1. “Inflation Dynamics and Monetary Policy” by the International Monetary Fund (IMF)
  • Website: IMF Publications
  • Description: This paper discusses inflation dynamics and the impact of monetary policy, offering a global perspective that can also be applied to the US context.
  1. Wall Street Journal – Economy Section
  • Website: WSJ – Economy
  • Description: Regular updates on economic trends, inflation rates, and Federal Reserve actions, with professional commentary.
  1. “Principles of Economics” by N. Gregory Mankiw
  • Where to find: Amazon or your local bookstore
  • Description: Although not an article, this textbook provides a solid foundation in economic principles, including detailed discussions on how inflation works.
  1. National Bureau of Economic Research (NBER)
  • Website: NBER
  • Description: A wealth of research papers on economic topics, including inflation studies that help explain current trends in the US.

By exploring these resources, you can gain a deeper insight into how inflation is currently affecting the US economy, what the potential future trends could be, and how policy decisions influence the economic outlook.

STM Daily News is a vibrant news blog dedicated to sharing the brighter side of human experiences. Emphasizing positive, uplifting stories, the site focuses on delivering inspiring, informative, and well-researched content. With a commitment to accurate, fair, and responsible journalism, STM Daily News aims to foster a community of readers passionate about positive change and engaged in meaningful conversations. Join the movement and explore stories that celebrate the positive impacts shaping our world.

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Consumer Corner

Ace Hardware Simplifies Holiday Gift Giving with Unbeatable Deals and Quality Picks for Everyone on the List

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ACE
From premium tools and outdoor equipment to barbecue essentials from the best brands, Ace delivers service, convenience and value in one seamless shopping experience. Wrap it in red!

Explore Gift Ideas from Top Brands Including Milwaukee, YETI, Big Green Egg, and More While Reliving the Magic of the Holidays with a Festive Content Series

OAK BROOK, Ill. /PRNewswire/ — Ace Hardware makes holiday shopping easier than ever with its thoughtfully curated gift guide featuring the best deals of the season, beginning today. From premium tools and outdoor equipment to barbecue essentials from the best brands, Ace delivers service, convenience and value in one seamless shopping experience. Whether shopping for a DIYer, an outdoor adventurer, a grill master, or a gardening enthusiast, customers can discover meaningful gifts and exceptional savings in-store and online.

“Our aim is to remove the hassle and be the convenient, one-stop shop for holiday gift giving,” says Kim Lefko, Chief Marketing Officer at Ace Hardware. “We have high-quality gifts that span from practical to unexpected. Your neighborhood Ace has a gift for everyone on your list, even the hard-to-shop-for people.”

Ace has also recaptured the magic of being a ‘kid at Christmas’ – only now, the once thrilling toy store is a well-stocked hardware store. This holiday season, Ace unveils engaging new content that highlights the joy of discovering those must-have items. From November through December, Ace invites customers to experience the wonder of magical holiday moments, meant to ignite their inner child. To get in the holiday spirit, explore the fun here and check out the gift guide below.

Holiday Gift Guide & Top Deals, November 1 – December 2^

^All deals available only at participating stores, subject to change 
*Ace Rewards member exclusive
**Deal from Nov. 20 through Dec. 2 only
***Deal from Nov. 20 through Dec. 24 only

In its commitment to giving back, Ace is also proud to support Children’s Miracle Network Hospitals with a special initiative. For every Duracell batteries value-pack purchased this holiday season, a portion of the proceeds will go to support local Children’s Miracle Network Hospitals.

Holiday Helpful at Ace

In addition to exceptional savings, Ace Rewards members enjoy unique benefits designed to make shopping at Ace even more rewarding and convenient, including same-day and next-day delivery from local stores on qualifying orders.† A new, ongoing benefit for Ace Rewards members now includes free assembly and delivery on snow blowers and push mowers, an addition to the service already available for grills, priced at $399 and up. Becoming a member is easy and free, and membership provides access to exclusive sales events, points on every purchase, and personalized coupons throughout the year. Sign up in-store or online to start enjoying the benefits right away. Visit acehardware.com/ace-rewards to learn more.

All Ace customers can take advantage of in-store pickup of online orders, ready within 15 minutes,‡ making it easier than ever to get the products they need whenever they need them – because every minute counts during the hectic shopping season. For additional information and to explore even more holiday offerings, head to acehardware.com.

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Participation and delivery area vary by store. Same-day delivery is available on in-stock orders placed by noon or on orders placed at least two hours before store closing time, whichever is earlier.

Orders must be placed at least 30 minutes before the store closes at participating Ace locations. Orders placed outside business hours will be available the next business morning for pickup. Visit https://www.acehardware.com/ready-in-15 for more details. 

About Ace Hardware

Ace Hardware is the largest retailer-owned hardware cooperative in the world with over 5,900 locally owned and operated hardware stores in approximately 60 countries. Headquartered in Oak Brook, Ill., Ace and its subsidiaries operate an expansive network of distribution centers in the U.S. and have distribution capabilities in Ningbo, China; and Cuautitlán Izcalli, Mexico. Since 1924, Ace has been a part of local communities around the world and known as the place with the helpful hardware folks. For more information, visit acehardware.com or newsroom.acehardware.com.

SOURCE Ace Hardware Corporation

Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!

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