Lifestyle — صفحه 2 از 4 — ✅ خرید وی پی ان ❇ ip ثایت vPn آی پی اختصاصی ◐

ژوئن 28, 2022

Here’s how you can make your flying experience easier this summer

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We earn a commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.There are few industries like travel that have roared back with as much consumer demand after the pandemic-related lockdowns.Airlines predicted it would take years for consumers to fly again at pre-pandemic levels. But as vaccination efforts persisted and restrictions were lifted, Americans began to travel again. However, the airline industry has not been able to keep up with the public’s appetite for flying, resulting in major flight delays and cancellations throughout the U.S..So before you head to the airport for your next flight, keep in mind the following tips to give yourself the best chance of smooth travel.Subscribe to the Select Newsletter!Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.Airports and airlines are equally strugglingThe travel experience right now, as cleverly put by The Atlantic, is suffering from ‘nothing works syndrome.’ And much of this has to do with one core issue: a lack of staffing. But with one large issue comes several smaller problems like weather, air traffic control issues and a reduced amount of available aircraft, all which contribute to an overall system meltdown.Here’s an idea of what travel demand and delays look like right now:On June 26, TSA reported it counted nearly 2.5 million people through its checkpoints. It was the highest number since Feb. 11, 2020 — which was right before Covid-19 shut down the world.Between 2013-2019, the total number of flight cancellations never exceeded 70,000 in an entire year. There have already been over 76,000 so far in 2022, according to the Bureau of Transportation Statistics, and we’re not even halfway through the year.Unfortunately, if you need to fly, there isn’t much you can do to avoid the larger issues. But there are several things you can do to make your experience an easier one.How to keep your travels smooth amid staffing shortages1. Avoid layovers when booking, and book directIf you can avoid layovers, it may benefit you for a simple reason: the fewer flights you take, the chance for issues to arise becomes smaller.Additionally, it may be tempting to book your next flight with a third-party travel service (i.e. Expedia or Priceline) to save a few dollars as airfare prices have skyrocketed. However, if you run into delays or cancellations, the airline may not be able to assist you directly if you booked through a third-party — you’ll first have to deal with the travel booking service’s customer service line to remedy your issues.2. Show up early, and avoid checking your bagIt’s the most cliché suggestion out there, but arriving early can help you avoid the panic of missing your flight and disrupting your travels. Long lines to check a bag or to get through security could cause you to accidentally miss your flight. And as airlines are packing their planes, missing your flight could leave you with few options to rebook as seat inventory remains low.Also, you may consider packing a bit less and bringing your bag onboard with you. One of the areas airlines are struggling to hire and keep staffed is bag handlers. So not only is your bag at risk of being lost or damaged, but it could also be a while until you receive your bag at your final destination. And if you’re strapped for time, the time it takes to check your luggage could lead you to miss your flight.And Sandra McLemore, president of Travel Marketing & Media, strongly recommends using online check-in. “Just one minute after check-in closes, your seat will go to someone on a waitlist. And you won’t get a credit, let alone a refund,” she tells Select.3. Enroll in an expedited security programExpedited security perks have arguably never been more valuable. Programs like TSA PreCheck, Global Entry and CLEAR can save flyers a significant amount of time. And the best part is that many travel credit cards offer perks to cover the application costs.I currently have Global Entry (which includes membership to TSA PreCheck), and paid with my IHG® Rewards Premier Credit Card, which gives me a $100 statement credit to cover the Global Entry or TSA precheck application cost. Over the last five years I’ve flown close to 100 flights, and expeditated security has saved me anywhere from a few minutes to sometimes over an hour each trip. And since Global Entry includes TSA PreCheck, I get expedited security clearance anywhere in the U.S. and can clear customs quickly when returning to the U.S. after a trip abroad.There are several cards that include credits for expedited security programs, including the Bank of America® Premium Rewards credit card and the Chase Sapphire Reserve®. But if you’re not interested in a rewards card, you can simply pay online to enroll in one of the programs.Bank of America® Premium Rewards® credit card

RewardsEarn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases.
Welcome bonusReceive 50,000 bonus points — a $500 value — after you make at least $3,000 in purchases in the first 90 days of account opening.
Annual fee
Intro APR
Regular APR15.99% to 22.99% variable APR on purchases and balance transfers
Balance transfer feeEither $10 or 3% of the amount of each transaction, whichever is greater
Foreign transaction fee
Credit needed

Information about the Bank of America® Premium Rewards® credit card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.Chase Sapphire Reserve®

RewardsEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025
Welcome bonusEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Annual fee
Intro APR
Regular APR17.74% to 24.74% variable
Balance transfer fee
Foreign transaction fee
Credit needed

4. Use lounges rather than regular airport food optionsAnother area that has dramatically suffered is airport dining. Whether it’s a lack of staffing, supply chain issues or outrageous pricing, airport dining has become more difficult since the onset of the pandemic.For example, when I flew through the Detroit airport a few months ago, the Starbucks franchise was completely closed as they didn’t have workers. And when I flew through San Diego, its Starbucks location was charging an extra 2% fee for “employee retention.” For the restaurants that may be available, you could find yourself waiting some time to be served.To save both money and time, you may consider visiting an airport lounge. They typically have free food and drinks available, and you can receive access simply by having one of many different travel credit cards.For example, I’m an authorized user on the Capital One Venture X Rewards Credit Card, which gives me access to Priority Pass lounges around the world. The Platinum Card® from American Express and The Business Platinum Card® from American Express also provide widespread airport lounge access, including Priority Pass membership and access to Delta SkyClubs and Amex Centurion lounges. Terms apply.However, keep in mind that lounges have become busier as a plethora of credit cards have started to award lounge access.The Platinum Card® from American ExpressOn the American Express secure site

RewardsEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases
Welcome bonusEarn 100,000 Membership Rewards® points after spending $6,000 within 6 months of card membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Annual fee
Intro APR
Regular APR
Balance transfer fee
Foreign transaction fee
Credit Needed

5. Be prepared for the worst-case scenarioYou can take as many precautions as you’d like, but sometimes the cards won’t fall in your favor.But when things go awry, the first thing to do is not panic. It’s happening to many other travelers, and there are solutions available. But to protect yourself against this, you may consider doing the following:

Give yourself extra time. For example, you may consider flying to your destination earlier than you need so if there’s a delay, you have some wiggle room.
Begin looking for alternative solutions immediately. As soon as you hear of a delay or potential cancellation, it’s wise to find solutions like a hotel room or even another flight. Because it will be you and everyone else on your flight trying to find solutions all at once as well.
Book travel with a credit card that has travel insurance. If you experience a delay or even a cancellation, some of the costs, unfortunately, will fall on you as the traveler. That can include things like food or a hotel (depending on the airline and circumstances of the delay and/or cancellation). However, credit card travel insurance will help cover the costs you may incur during a delay or cancellation — just make sure you pay for your travel with your travel credit card so the insurance goes into effect. When my flight was canceled last Christmas in San Diego, the coverage from my Chase Sapphire Preferred® Card kicked in and covered the incidental costs.

Bottom lineTraveling is supposed to be a fun and enjoyable experience, but for the foreseeable future, it’s more likely going to be a headache to get from ‘A to B’. So if you’re traveling anytime in the near future, implementing these tips and tricks can ease the pains of post-pandemic travel.Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.For rates and fees of the Platinum Card® from American Express, click here.Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .

ژوئن 10, 2022

Chhavi Mittal reveals what she eats in a day as she recovers from cancer

Chhavi Mittal, who was diagnosed with breast cancer recently, has been actively sharing tidbits about her treatment and recovery. In her latest YouTube vlog, the actor went on to reveal what she eats in a day, and the nutrition required during cancer treatment.
“What does any cancer recovering patient eat in a day? Well, there’s no common answer to this since this disease can be widely different for people. It depends on the grade, the stage, the treatment, the body type and so much more!” she wrote, advising fellow patients to check with their doctors before following any diet.
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She added that she has devised a diet for herself “after researching a lot and taking into consideration each of my doctors’ advice… also understanding how my body is reacting to radiation and the diet. And I wanna say.. so far so good!”Best of Express PremiumPremiumPremiumPremiumPremium
The first meal or drink of the day is very crucial. As such, Chhavi starts her day by drinking tea made of simarouba leaves. “These leaves are supposed to cure cancer and boost immunity in cancer patients. I boil 4-5 leaves in water at night and leave them overnight. In the morning, I strain and drink it,” she said. “After this, I consume a few dry fruits which I soak overnight. Some of these include walnuts, almonds, black raisins and figs.”

For breakfast, she opts for an omelette and bread toasts. “Post breakfast, I’ll eat a mango. Ever since I have been diagnosed with cancer, I feel like I have lost a lot of weight so I need to put on weight,” Chhavi on why she consumes a heavy breakfast.
She revealed the food items she has been asked to completely avoid. “I have been told to completely avoid dairy. But I can drink almond or oat milk (instead of cow or buffalo milk). I have also been told to completely avoid soy until the time radiation therapy goes on, and one month after that. It is advised to avoid sugar as cancer cells feed on sugar.”

One thing that Chhavi has been asked to consume generously is caffeine. “I am really happy I can have coffee,” she said.
Around 12:30 pm, she consumes sugar-free cookies and chocolates. She said, “Snacking is extremely important right now because you can’t starve yourself. It is important to maintain your energy levels.”
Next, she drinks a concoction made of chia seeds, kokum and roasted hemp seeds. “This regulates the acidity and is a coolant for the body. I drink this every day around 12:30-1 pm,” the actor stated.
For lunch, she has bottle gourd, chane ki dal, a stir-fried salad made of broccoli, baby corn and yellow zucchini, a little bit of chicken and ragi rotis. She revealed that she can’t eat anything raw as “when you are undergoing cancer treatment, your body’s immunity is low and you are more prone to infections. To avoid that, it is advised to not eat anything raw”.

“Another thing I consume once in a day is a mixture of beetroot powder, coconut cream, grated coconut and peanut powder. I am trying to eat as many superfoods as possible,” she added.

Adding to the list of food items she has been asked to eat and avoid, Chhavi said, “In non-veg food items, I am allowed to eat fish and chicken, but not red meat. In veg food items, I am not allowed to consume spinach and fenugreek because they counter the effects of radiation.” Further, she is advised against consuming alcohol during the treatment.
As an evening snack, she consumes a banana and sattu laddoos made of desi ghee and dry fruits. “I make sure I drink enough water in a day,” she said.
“For dinner today, I am eating dal, rice and arbi along with a salad made of zucchini and capsicum,” said Chhavi as she concluded her day.
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ژوئن 8, 2022

Are ‘guilt-free’ food items really healthy? Find out here

With people increasingly becoming conscious of their health and fitness, they now pay extra attention towards what they consume. And, rightly so. As such, to woo these health-conscious customers, brands now use tags like ‘guilt-free’, implying that a said food item is low in calories or sugar-free or trans-fat-free.
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But, are food items tagged ‘guilt-free’ really healthy, in comparison to others? Nutritionist Bhuvan Rastogi disagrees. In an Instagram post, he wrote, “Have you fallen for gimmicks like ‘guilt-free’ foods? It is the new fad term brands are obsessed with, and I hate it.”

The nutrition expert added that most of the time, “brands use gimmicks like stating a product is gluten-free, dairy-free, high-protein, clean, natural, with a fad ingredient, etc, to entice you to try it”.
However, these are not healthier than the classic option, he revealed. “They are much more expensive.”

“The problem is that there shouldn’t be any guilt about enjoying your favourite food, to begin with. An effort to understand nutrition in food is all you need to fit everything you love in your diet in a healthy way. Because, when it comes to food, there is no good or bad option. (Unless you are allergic, of course),” Rastogi explained.
“As you can see, ‘guilt-free’ is just a label. It’s a tag meant to play with your emotions and paint any other product as bad or unhealthy,” he concluded.
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ژوئن 5, 2022

Expert shares the best foods ‘for an aging brain’

Much like the body, over time, the brain can also start ageing if proper attention towards boosting its health is not paid. As such, experts suggest consuming certain foods that help protect the brain from illnesses, improve memory and concentration, and also keep it healthy and young.
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Nutritional psychiatrist Dr Uma Naidoo had earlier shared a few food items that are best for an ageing brain. “Looking for the fountain of youth for your brain? Start including these foods in your diet to work towards a healthier brain and fight off many of the ways our brain can get hurt over time, including free radicals, decreased blood flow, and more,” she wrote.
Take a look.Best of Express PremiumPremiumPremiumPremiumPremium

Extra virgin olive oil
According to Dr Naidoo, “Extra virgin olive oil is linked to a lower incidence of Alzheimer’s because it increases autophagy of brain cells.” Try mixed with dijon mustard and apple cider vinegar for a “brain-healthy” salad dressing.
Spices
Indians just can’t do without their spices. But, did you know that they can help boost brain health, too? “Turmeric with a pinch of black pepper, cinnamon, saffron, rosemary and ginger — all help to promote healthy brain ageing and memory.”

Omega-3
“EPA and DHA are omega 3 fatty acids found in fatty fish like wild-caught salmon that help to protect the brain from ageing. ALA, the omega 3 found in plant sources, like nuts and seeds, can be converted to EPA and DHA in small amounts,” she said.
Leafy greens
Leafy greens are rich in folate which is one of the most important vitamins for maintaining a healthy brain. “Foods like spinach, swiss chard, arigula and dandelion greens help to maintain cognitive integrity with age,” Dr Naidoo explained.
Rainbow of veggies
Different coloured plant foods contain different brain-healthy nutrients and fibre. “Plant-based diets are consistently associated with cognitive longevity,” she said.
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می 4, 2022

Find And Cancel Unwanted Subscriptions

Select’s editorial team works independently to review financial products and write articles we think our readers will find useful. We earn a commission from affiliate partners on many offers, but not all offers on Select are from affiliate partners.Netflix, Amazon Prime, Spotify, Instacart Express, HBO Max, Apple Music, iCloud, cable, etc. — the list of subscriptions people have can go on and on. It’s often easy to forget about the many subscriptions you signed up for and, over time, ones that you may have slowly stopped using. Unfortunately just because they aren’t being used doesn’t mean you aren’t still paying for the service.Parsing through your bank accounts to find those unused subscriptions and cancel them can be very time consuming and draining. TrueBill, however, seeks to remove some of that hassle. It’s an app and an online platform that syncs to your accounts to find subscriptions you’ve been paying for. In addition to that, the app also offers a bill negotiation service so you can lower the costs of things you have to pay for each month.Below, Select breaks down what you need to know about the TrueBill app, including each of its features, how to get started and a few other important details you should know about if you’re interested in trying the service.Subscribe to the Select Newsletter!Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.TrueBill reviewTruebillOn Truebill’s secure site

CostFree, with option to upgrade to Truebill Premium Service for fee of $3 to $12 per month; bill negotiation costs between 30% to 60% of the 12-month savings achieved as a result of the negotiation
Standout featuresEasily cancel unwanted subscriptions, track your spending and credit score, automate savings and get help lowering bills
Categorizes your expensesYes, Truebill instantly identifies your top spending categories
Links to accountsYes, bank and credit cards
AvailabilityOffered in both the App Store (for iOS) and on Google Play (for Android), as well as online
Security featuresTruebill accesses users’ transaction data via an encrypted token, uses Plaid API so user credentials are never stored, provides bank-level 256-bit encryption and hosts servers on secure Amazon Web Services (AWS), which is used by the Department of Defense, NASA and the Financial Industry Regulatory Authority (FINRA)

Pros

Negotiates cell phone and cable bills, plus helps you get refunds for some bank fees
Free version available
Syncs to your bank accounts and credit cards
Instantly finds and tracks your subscriptions
Website says 80% of people save money by using Truebill to find and cancel unwanted subscriptions
Provides breakdown of user spending and notifies of upcoming charges and low balance alerts
Helps users create a budget
Users can see their Experian VantageScore 3.0 credit score and get access to their credit report
Provides an interest-free pay advance up to $100 directly to qualifying users’ checking accounts
Users can set goals, save money with autopilot Smart Savings feature
Concierge service available to identify bills to be lowered and, for a fee, Truebill will negotiate on users’ behalf for the best rates (non-refundable negotiation fee is anywhere from 30% to 60% of the 12-month savings achieved as a result of the negotiation)
Truebill Premium Service features include free access to Smart Savings feature, unlimited budgeting categories, custom spend categories, real-time account balance updates, premium chat, subscription cancellation concierge, “Truebill Offers” and educational material
Coming soon: Users can track their net worth
High Trustscore rating of 4.3/5 stars (from 392 reviews)

Cons

Costs between $3 and $12 per month to upgrade to Truebill Premium Service
Non-refundable negotiation fee anywhere from 30% to 60% of the 12-month savings achieved as a result of Truebill’s bill negotiation on users’ behalf
Less than 10 Better Business Bureau reviews
Does not negotiate internet, landline phones, cable/phone/internet bundles, alarm and security systems, satellite radio/TV or electric bills

Features and how they workOne of the main features TrueBill offers is the ability to find and cancel subscriptions you no longer use. To do this, TrueBill links to your bank accounts and analyzes your transactions for subscriptions. Once it finds subscriptions, you can choose which ones you want to keep and which ones you want to cancel.Another service TrueBill provides is bill negotiation. To use this feature, you’ll need to take a photo of your bill — like your phone bill or or cable bill — and upload it to the app or website. TrueBill’s team will then look for ways you can receive additional discounts on your bill.And for those instances where you wind up getting charged an overdraft fee for accidentally overspending or a maintenance fee for falling below your bank’s required minimum balance, TrueBill will request a refund for you. Keep in mind that it isn’t guaranteed that the refund will be granted but it’s always worth a shot — especially when you don’t have to go through the hassle to do it yourself.The app can also help you track your spending and save money on autopilot. To use these services, you’ll need to make sure your bank accounts are connected to the app. It’ll categorize your transactions, which can make it easier for you to see where your spending is highest (and lowest). From there, you can decide how much money you want to budget for each of your spending categories, and the app will alert you if you’re nearing your spending limit in any of the categories.As for the savings feature, you’ll need to create a savings goal in the app and from there, TrueBill will use your spending habits to determine how much money to save and when to save it. This way, you’ll still avoid accidental overdrafts. And if you begin using the savings feature but decide you want a more hands-on approach to stashing your cash, you can always pause this feature. You can also edit your goal or withdraw your money at any time and your savings are FDIC-insured. However, you may want to consider moving your funds into high-yield savings account, like the Marcus by Goldman Sachs High Yield Online Savings, where you’ll earn interest on your money.How to get startedThere are many features you can use through TrueBill but the first step before you can explore any of them is to create an account. You can do this by downloading the TrueBill app and inputting your name, email address and a password of your choosing.FeesThe TrueBill app is free to download, but you’ll have to pay for a premium membership to use some of its features. The app actually lets users decide for themselves how much they want to pay for the premium subscription — the amount can be anywhere from $3 – $12 a month with the option to be billed annually if you choose to pay $3 a month or $4 a month.With the premium version, you’ll have access to the ability to sync your bank accounts to the app, subscription cancellation, auto savings, customizable savings categories and unlimited budgets, to name a few.The bill negotiation feature is free to use if the TrueBill team isn’t able to successfully negotiate lower prices for you. If they are able to get you some savings on your bill, though, they’ll charge a percentage of what you can expect to save from your first year. However, you can choose how what percentage they charge (anywhere from 30% to 60%) while you submit your negotiation request.There are other subscription trackers out there that offer similar services, but different fees, compared to TrueBill, like AskTrim.com and PocketGuard. Their offerings and fee structure could potentially fit your needs better.Bottom lineIf you think you have a number of subscriptions or bills that are sucking up your money each month, TrueBill may offer an affordable way to lower some of those costs. It’s not exactly surprising that such an app charges for premium features but what stands out about TrueBill is the user’s ability to choose how much they pay for premium membership and how much of a cut the app receives for successfully negotiating down bills. This can make it feel more affordable to more users.However, if you feel comfortable calling up your banks and other service providers for your bills and negotiating lower payments on your own, then it might not make sense for you to potentially pay for TrueBill to do it for you.Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party. .