Over time, people invest their money in various avenues to improve finances for themselves or their family members. One popular type of investment includes gold, which is the world’s currency of those today. There are several opportunities to invest in gold, including bullion, futures, mining companies, mutual funds, and jewelry. However, some people make mistakes when investing in gold, which could be detrimental to their finances. Here are seven common errors that one should avoid. Poor investment timing One of the most common things to avoid when investing in gold is making decisions based on emotions and strategy. It includes buying physical gold only when a significant economic or geopolitical crisis erupts, which makes the price jump. But, the approach might not always work because it assumes that gold is solely a crisis commodity. However, as part of a diversified portfolio, gold could be essential to an individual’s long-term investment strategy. Doing so could offer protection against inflation, currency fluctuations, and other financial uncertainties. One could miss out on potential gains that could have come from investing in gold beforehand, such as buying it before a crisis and adding gold to savings regularly. Lack of research Research helps set the groundwork for just about anything, including gold investments.

A certificate of Deposit or CD is a type of savings account option that many explore for financial security. CDs are known for their guaranteed and stable returns, making them a great investment for those who want to play it safe. Banks and credit unions offer them for a specified maturity period at interest rates. However, one can make some rookie mistakes when dabbling in such an investment. One can avoid these pitfalls while opening a CD. Opening fee-based account Banks often need one to have a checking account before applying for a CD. However, these banks also have a cost associated with opening a checking account. According to statistics from 2022, the national average return rate of CDs ranges from 0.03% to 0.39%. However, CD rates keep changing, and some banks are providing even 5% APY as of October 2023. A fee-based account can reduce the returns extensively. For instance, if one takes the national average return rate, say Chase Total Checking, which charges a monthly fee of $12, one may end up paying more in fees than one might earn in returns. To avoid this, ask the representative of the bank if there is a minimum deposit requirement that can help you waive the fee.

Often, some of the most handy features in gadgets can go unnoticed due to users only focussing on everyday tasks, like using the device to make calls, send texts, or scroll through social media. However, exploring new tricks of a gadget can make using it more fun as well as convenient. So, if one has a Google Pixel, here are some ways to improve the user experience and get the most out of the smartphone: 1. Turn on Now Playing Now Playing is a neat feature meant for those who enjoy exploring new music. While third-party applications can help in recognizing music by letting the app listen to the tune or lyrics, it can get inconvenient to go through those steps. The Now Playing feature, when enabled, listens to ambient music all the time, revealing artist and song details on the bottom of the screen. 2. Translate with ease A key feature of the Google Pixel Fold is a dual-screen interpreter mode, which helps users interact with others in a completely different language, helping language barriers. Here, the inner screen can be used to translate the conversation, while the outer screen displays the translated text for the other person to read and understand.

Today, smartwatches have redefined healthcare and convenience over the past few years. With such premium features, Apple smartwatches have carved an indelible niche in smartwatches and technology. While many of these features, including its activity tracker, blood oxygen and heart-rate monitor, compass, and camera remote, are well known, some are implicit yet incredibly beneficial. Knowing these hacks and features will help one navigate the smartwatch easily. Here are some hidden Apple Watch features: Notifications of high noise levels Apple Watches can now monitor noise levels with the Noise app and alert users about harmful levels. One may, therefore, check the noise levels of one’s surroundings in any setting and manage the noise levels or move to another location accordingly. Option to capture screenshots Whether to share a new workout milestone or keep a record of one’s health parameters, taking a screenshot on the smartwatch can be handy. Although most Apple watches do not directly permit users to take screenshots, one may enable this option on the integrated app and take screenshots by pressing the digital crown and the side button simultaneously. Feature to split bills Splitting bills can often be a hassle after a group meal or a joint purchase.

Apple’s AirPods have undeniably made their mark as iconic audio accessories. These wireless earbuds suggest how innovative audio technology can be. Until now, Apple has launched 3 generations of AirPods and 2 generations of AirPods Pro. Even though the last pair of Apple earbuds released was the AirPods Pro (2nd gen) in September last year, Apple has continued to make firmware updates for both the AirPods and the AirPods Pro. So, for anyone considering a purchase or keeping an eye on a potential sale, here are the remarkable features of some of the top earbuds from Apple: 1. Audio technology The following are a few audio technology features that are present in both AirPods (3rd generation) and AirPods Pro (2nd generation): Custom high-excursion Apple driver Custom high-dynamic range amplifier Personalized spatial audio with dynamic head tracking Adaptive EQ Additionally, the AirPods Pro (2nd generation) also comprises the following audio technology features: Adaptive audio Active noise cancellation Transparency mode Conversation awareness Personalized volume Loud noise reduction Vent system for pressure equalization 2. Design AirPods (3rd generation) maintain the iconic stem and earbud design, which is reminiscent of the original AirPods and offers comfort and familiarity. In contrast, AirPods Pro (2nd generation) feature a more compact design with a shorter stem, a customizable fit thanks to their silicone ear tips, and integrated pressure relief vents.

Apple’s MacBooks are among the most sought-after laptops worldwide, with around 100 million active users. They have several cutting-edge features, such as spectacular displays, sufficient storage capacity, and a long battery life. Moreover, they look great and are available in different shades. That said, many users aren’t aware of the hidden capabilities of Apple’s laptops and thus fail to unlock their full potential. Here are eight such lesser-known MacBook features to check out right away. 1. Pin a file or folder to the macOS dock Besides frequently used apps, users can pin files and folders to the dock at the bottom of the Mac screen. To pin files and folders to the dock, one should locate the element on the Finder app, single-click it, open the “File” menu, and choose “Add to dock.” The “Add to dock” option is hidden; it appears only when one presses and holds the Shift key. One can also complete this action by pressing Ctrl + Cmd + Shift + T simultaneously on the keyboard. 2. Set up hot corners Hot corners is a feature that enables users to perform specific actions by hovering the mouse over the corners of their MacBook screens. Users can activate this feature by selecting System Preferences > Mission Control > Hot Corners.

Apple will launch its first-ever mixed-reality headset, the Apple Vision Pro, in early 2024. The company unveiled the device in June 2023, and Apple fans and tech enthusiasts have been waiting for its launch. As per Apple, the Vision Pro is a spatial headset that allows users to connect seamlessly to the digital and real worlds. Here are a few exciting features of the Apple Vision Pro, so watch when it eventually goes on sale. Visual specs One of the standout features of the Vision Pro is its display technology. It boasts 4K micro OLED displays for both eyes, with 23 million pixels. These high-resolution displays ensure the user’s mixed reality experience is sharp, detailed, and immersive. Whether exploring augmented reality to stay in touch with the physical world or completely immersing in virtual worlds, the users will undoubtedly experience high-quality visuals. Augmented reality The Vision Pro has multiple cameras and sensors that map out the user’s surroundings in real-time to create a seamless augmented reality experience. By projecting the real world to the user, the Vision Pro creates the illusion of digital content in the user’s physical environment. Virtual reality When users wish to immerse themselves in the virtual world, the Vision Pro can shut off the AR cameras and create a completely virtual environment.

One needs the utmost care and support as they grow older. The Department of Veterans Affairs (VA) recognizes this responsibility and offers a wide array of benefits to ensure that senior veterans find comfort and security in their later years. From healthcare services to financial aid, the VA provides multiple benefits for senior veterans. To avoid missing out on available support, here are a few lesser-known VA benefits seniors can get: 1. Caregiver support One of the lesser-known VA benefits for seniors is the Caregiver Support Program. Here, a dedicated professional called the Caregiver Support Coordinator (CSC) provides essential support services to caregivers, enabling them to care for the veterans. The services offered through this program include a monthly stipend, access to healthcare benefits, specialized caregiver training, mental health services, and respite care. 2. Life insurance The VA offers a comprehensive array of life insurance benefits, which include policies catering to veterans, service members, and their family members. The range of policies offered by the VA includes Servicemembers’ Group Life Insurance (SGLI), Veterans’ Group Life Insurance (VGLI), and Family Servicemembers’ Group Life Insurance (FSGLI). 3. Entrepreneurship assistance The VA also offers a wealth of support and resources to veterans who wish to take up entrepreneurship.

Securing adequate healthcare coverage is paramount, especially as one approaches retirement. Many people above 65 consider Medicare, the federal health insurance program for this age group. While Medicare offers numerous benefits, the enrollment process can often be daunting and complex. Consequently, one can overlook critical aspects, leading to financial strain and delays in accessing healthcare services. Here are a few common mistakes one must avoid when signing up for Medicare. Not signing up at the right time One of the most critical mistakes to avoid when enrolling for Medicare is not doing so at the right time. The initial enrollment period (IEP) for individuals about to turn 65 begins three months before their birth month and ends three months after that month. In other words, one has an IEP of seven months. If a person fails to enroll during this period, they still have a chance to sign up during the general enrollment period (GEP), which is from January 1 to March 31. However, this can lead to higher premiums and delays in accessing necessary healthcare services. Moreover, after missing out on the IEP, individuals would have to wait until the next GEP, leaving them without coverage for an extended duration.

While contemplating mortality may not be the most comfortable topic, it is a reality that deserves careful consideration. When planning for the inevitable, few decisions are as crucial as securing burial insurance. Burial insurance, often called final expense insurance, is a poignant expression of love and responsibility toward one’s family. This policy provides a vital safety net, ensuring that loved ones are not burdened with the financial strain of arranging a fitting farewell. Here are some key factors to consider: Determining coverage needs Burial or final expense insurance is tailored to cover funeral, burial, or cremation expenses. By preparing for these costs in advance, individuals ensure their loved ones are not left grappling with the financial stress of organizing a proper send-off. It may include expenses like caskets, urns, burial plots, headstones, funeral services, and even outstanding debts. Differentiating policy types Burial insurance typically comes in two forms – Pre-need insurance and final expense insurance. Pre-need insurance is often purchased directly from a funeral home and is designed to cover specific pre-arranged funeral services. Final expense insurance, conversely, offers a lump-sum payout to beneficiaries, allowing them to utilize the funds as needed for funeral expenses. Final expense insurance gives beneficiaries more flexibility in using the funds for various end-of-life expenses.