5 smartphone habits to break right away

5 smartphone habits to break right away

Most of us can’t do without a smartphone. The gadget helps us communicate easily, find the information we’re looking for, shop for our favorite products, and so much more. On the downside, we spend hours glued to our screens. This can take a toll on our personal lives, affect physical and mental health, and even cut short the life of our devices. Here are some harmful smartphone habits to break immediately.

Scrolling before bedtime
Endless scrolling on social media before bedtime makes it hard to fall asleep at night, leading to restlessness and tiredness the next day. Screens emit a blue light that affects melatonin production in the brain, the hormone that controls a person’s circadian rhythm or sleep-wake cycle. Without melatonin, it can be difficult to fall or stay asleep. Experts advise keeping the phone away for at least an hour before bedtime. You can instead read a book or listen to a podcast to relax your mind. 

Always keeping the phone with you
If you keep your phone in your pocket, you’ll be constantly tempted to pull it out and browse. Not to mention, you’ll be on the alert for notifications. Therefore it’s best to carry it in your purse or backpack. If these options aren’t feasible, put the device on silent mode when keeping it on you.

Purchasing cheap cables
Smartphones are a long-term investment. Be it the latest iPhone or a flip phone, we want our gadgets to last for as long as possible. But, many don’t realize that something as simple as using cheap cables and chargers can damage electronic devices and reduce their lifespan. Faulty wires can permanently damage the battery and increase the risk of a fire or electrocution. So, invest in a quality cable to protect yourself and your phone. 

Draining your battery completely
Allowing the battery to drop to 0% could damage your cell phone. It can cause a drop in performance, and your phone may lose charge more quickly. One expert-recommend way to prolong battery life is not to let the charge drop below 30%. Many also have the habit of charging their devices overnight. That, too, can be harmful. For a longer battery lifespan, it should be unplugged soon after it’s sufficiently charged.

Constantly checking your phone
Many people constantly text, look at alerts and notifications, and even play games on their phones. This habit can do a lot of harm in the long run. It prevents a person from focusing on essential tasks and reduces productivity. Studies have also found that the human attention span has dropped significantly in the last decade, owing to the constant use of cell phones. Instead of spending too much time with technology, one can learn new skills that will be useful in the future.

Another habit to avoid is paying for phone plans without doing any research. Many smartphone owners make this common mistake. The plan you purchased might sometimes be contractual, and you’ll be stuck with it until the course runs out. Researching a competent 5G phone plan and sticking to reliable carriers like Verizon can benefit you. The brand offers unlimited nationwide 5G plans for as low as $35/month per line.

One must also stay protected from data threats, malware, and cyber-attacks. This can be done with the help of platforms like CrowdStrike and SentinelOne cybersecurity. They aim to provide a unified and AI-powered approach to cybersecurity through ever-evolving, faster, and smarter technology. Moreover, CrowdStrike Cybersecurity also offers CrowdStrike Falcon® for iOS and Android mobiles. This aids in the protection of mobile phones, against cyber attacks and data threats.

While smartphones can create problems, they can be helpful if used correctly. If you’re looking for a new, feature-rich 5G phone, check out these options:

Samsung Galaxy Z Fold4
Released on August 26, 2022, this foldable phone has a 6.2-inch cover screen, a 7.6-inch main screen, and up to 1TB of storage. It costs $719.99.

Apple iPhone SE 3
The Apple iPhone SE 3 has a powerful A15 Bionic processor, a 4.7-inch display, long battery life, and a pocket-friendly design. It was launched on March 18, 2022, and costs $429.

Google Pixel 6a and Pixel 7
The Google Pixel 6a was released on July 28, 2022, with a superb 6.1-inch screen and the ability to record videos in 4K. The Google Pixel 7 might be suitable if you want something more advanced. Available since October 13, 2022, it has an excellent dual rear camera, the Tensor G2 chipset, and a long-lasting battery. The Pixel 6a starts at $499, while the Pixel 7 starts at $599.

iPhone 14, iPhone 14 Pro, and iPhone 14 Pro Max
Apple announced the new iPhone 14 series on September 7, 2022. Its best models include the iPhone 14, iPhone 14 Pro, and iPhone 14 Pro Max, which cost $799, $999, and $1,099, respectively. These have amazing HDR displays, a full-day battery, a powerful camera, and of course, the trademark Apple iOS.

Need a cell phone plan? Check out internet phone plans and 5G phone plans by T-Mobile, AT&T, Verizon, UScellular, and Sprint.

It is also important to buy a smartphone based on one’s requirements and other factors. For example, operating a smartphone may initially pose challenges for seniors. Moreover, saving money may be an essential target for seniors after retirement, making it necessary to plan one’s budget efficiently before buying a smartphone or any other gadget. Thus, in such cases, one should look for smartphones that are user-friendly, reasonable, and basic while still being equipped with all the required features. Understanding one’s needs, budget range, and required smartphone specs can help one buy the right smartphone.

Featured Articles

A look at some of the best free investment advisors
finance

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria
finance

Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.
Top 10 debt settlement companies to consider
finance

Top 10 debt settlement companies to consider

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.
6 top business credit card companies
finance

6 top business credit card companies

The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier. American Express Blue Business® Plus Card This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward ® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable. CitiBusiness® AAdvantage® Platinum Select ® MasterCard® This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.

Top Articles

6 high dividend ETF funds you can invest in
finance

6 high dividend ETF funds you can invest in

Before you search for the best dividend exchange-traded funds (ETFs), it is recommended you understand your needs and overall investment objectives. ETFs are hybrids of mutual funds and stocks. When you invest in the ETF, you purchase shares in the fund, which buys the underlying asset. Here are six of the best high-dividend ETF funds: Vanguard High Dividend Yield (VYM) This ETF adopts the simple method of choosing stocks that have higher dividend yield when compared to other companies. This has resulted in building a diversified portfolio comprising 400 stocks with higher market capitalization. The majority of these stocks belong to the healthcare, consumer, and financial sectors. During the last decade, VYM delivered average annual returns of 12.9%. The expense ratio is the lowest in the industry at 0.06% per annum. Vanguard Dividend Appreciation (VIG) The ETF focuses on investing in companies that have a long history of increasing their dividend payouts over the years. The portfolio includes approximately 180 stocks with low yields. The ETF has earned average returns of 12.6% per year over the last 10 years. The expense ratio is 0.06%, which makes it an excellent option if you do not mind lower dividend returns currently but want to earn more in the future.
Top 5 providers for automated investments
finance

Top 5 providers for automated investments

Roboadvisors are gaining popularity as these investment programs offer affordable financial advice to a large number of investors. These automated advisors use an algorithm to recommend investment options that best suit your requirements. The best automated investing algorithms offer simple account setup, portfolio management, low fees, strong goal planning, and security. Here are the top five providers of automated investments. Betterment This roboadvisor is the best for delivering top-quality services. You may sync various financial accounts without investing to gain an overall picture of your investment portfolio. You may choose the pre-built Betterment portfolios or customize one to meet your needs. The algorithm gives you the flexibility to add new goals as required while monitoring your progress without any difficulties. The advisor charges between 0.25% and 0.4% management fees with no minimum account requirement. Wealthfront It is one of the largest Robo-advisors and provides goal-based investing enabling you to understand the future effects of your financial decisions. You may choose from a wide range of portfolios that comprise individual stocks to meet your financial goals. Once your portfolio accumulates USD 25,000, Wealthfront allows you to borrow against its value. The service provider also offers margin lending. The management fee for most accounts is 0.25% and you need an account minimum of USD 500.
Top 5 retirement investment funds for your portfolio
finance

Top 5 retirement investment funds for your portfolio

Most people work for decades so that they can make investments and collect sufficient funds for their retirement years. Having enough savings for the golden years is ideally the most significant goal for you as an investor, but the volatile market may make it difficult to understand which retirement funds are suitable for you. To help you out, here are the best retirement investments that you can include in your portfolio: Vanguard Target Retirement 2035 Fund This retirement fund is created for investors who want to retire early so that they can enjoy the benefits of their investment within 15 years. However, even if you don’t want to retire that early, this fund has various offerings that make it one of the best retirement investments available in the market. As of now, this retirement fund offers a current yield of over 2%, and the expense ratio is 0.14%. Plus, Vanguard is quite a trusted name for keeping your money safe. Northern Global Tactical Asset Allocation Fund This fund offers one of the best diversifications and a lot more protection in case the fund underperforms. So, it invests in mutual funds and exchange-traded funds and aims to provide long-term capital appreciation at an expense ratio of 0.58%.
Top 5 capital providers for your business
finance

Top 5 capital providers for your business

People who wish to set up their business ventures need additional funding to get going. Many banks and financial institutions help promising businesses with the same and in this article, we would be covering guaranteed business loan providers. You can check the following list out when looking for business loan providers. Wells Fargo Wells Fargo is one of the best financial institutions when it comes to guaranteed business loan providers in the market. It offers various other financial products. It claims to be a leader when it comes to small business loans. The unsecured business loan has varied loan amounts starting from $10,000 and going up to $100,000. The term for this product is between one to five years. Additionally, you can go for other loans offered by Wells Fargo, such as the Equipment Express Loan or the Advancing Term Loan. Capital One Capital One does not only offer good deals on business credit cards, its business loan is worth considering too. If you are looking at a funding source that can help expand your business or get going with the operations, then we highly recommend you to choose the business loan offered by Capital One. Starting at a minimal amount of $10,000 and a maximum term length of 5 years, the repayment term is simple and can be done on a monthly basis.
All you need to know about home insurance policy
finance

All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.
5 technologies revolutionizing financial services
finance

5 technologies revolutionizing financial services

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications.