Atlanta Apartments

The population of Atlanta’s metro area is almost 4.2 million people, with nearly 420,000 living in the city of Atlanta. You find a variety of lifestyles in its 28 distinct counties and their smaller neighborhoods. Atlanta’s thriving housing market offers something for everyone. You spell out your needs and Atlanta is ready to fulfill them. Mixed-use developments, high-rise condominiums and loft spaces are the current trends.

Before finding an accommodation in Atlanta, first choose the setting that would suit you the most. The factors to be considered are likely to be your children’s school, the amount of travel to reach your workplace, and a friendly and comfortable neighborhood. You will find many realtors and apartment search firms ready to help you in that process.

The options Metropolitan Atlanta offers in respect to housing are quite large in number. From multi-storied luxury apartments to well-appointed subdivisions or older tree-lined streets to warehouse lofts, Atlanta offers you a wide variety.

You can find many affordable apartment homes spread across Metropolitan Atlanta. You will have to spend depending on your location, work or recreation requirements. Average monthly rent is less than the national average but the apartments still offer consumers more amenities.

A number of apartment homes are located near office parks, making commuting easier. More historic-style apartments dominate the in-town area, but the picture is different in the downtown area, which is ruled by modern luxury apartments.

For a first-timer, purchasing a home can turn out to be a complicated and often confusing process. Mind you, the task of obtaining finance is no easier even for an experienced buyer. While choosing the home that caters to your needs, you must also consider which lender to seek help from. Different lenders will offer you different loan products, types, services and personal attention. Try to find someone well trained in the mortgage business with profound knowledge in the type of mortgage you want to use.

Best Expense Management Solution By Thinking Outside The Box

This is how not to handle expense management in your business. Whilst a substantial part of managing expenses can be compartmentalized into how people make claims, and how those claims are processed, there are times when you’d benefit from thinking outside the box.

To illustrate the point, I’m going to look at telephones, the way your business uses them, and the way changing that can be part of an expense management strategy. Many years ago, in another life, I asked a senior manager how much he spent on line rental and calls for the fax machines in his business. He didn’t know, and asked his secretary to being in the relevant invoices.

She appeared carrying two large ring binders. Looking at them, he asked her for just the fax machine invoices. She pointed at the binders. “Those are the fax machine invoices,” she said.

He had no idea at the scale of the costs involved, and we immediately set about reducing them. And there’s the lesson: Show me any cost you’re not controlling, and I’ll show you an unnecessary expense.

Of course, fax machines are consigned to history with quill pens and carbon paper, but let’s stick with telephones; we still use those. Here are some areas in which you might be spending too much for mobiles, (and here’s the important part) without being aware of it.

1. Data roaming: Set up a company policy that it should be turned off except for short periods to allow emails to be delivered or sent, rather than being on 24/7. Data roaming charges can be high, and can mount significantly if you have a large number of employees travelling

2. Use one company: Don’t have a series of providers. Restricting services to just one allows you to negotiate better deals for new handsets and connectivity

3. Go for VOIP: For office phones there are lots of ways to use the internet to make calls, giving the traditional desktop phone a new lease of life. VOIP stands for Voice Over Internet Protocol, and means there’s no need to have a traditional phone contract, so long as you have good broadband connectivity. Providers of phone systems like this will usually deal with you on a rolling monthly contract, and their systems are extremely, so you can add or subtract handsets almost at will.

4. Be careful with perks. If employees are able to use company phones for personal use (and we’re back to mobiles here), then that permission should be restricted. OK, make short personal calls, but talking for hours to an aunt in Australia, or streaming a box set to a hotel room in Berlin could soon set you back a considerable – and unwelcome – amount.

5. Don’t leave legacies. When an employee leaves the company, make sure to cancel or transfer their part of the phone number, and don’t toss the handset into the back of a drawer. Re-use it, or send it for recycling _ once you’ve cleared any company data from it.

More than just number reduction

Consider the benefits that come alongside mobile phone use, and blurring the distinction between company and private life. When you’ve automated your expenses by implementing a solution based on business expense management software using an app, everyone’s going to need a phone so they can use your system.

Allowing an employee to make personal calls, to that agreed cost limit, might have a payback in loyalty. It might mean they’re more amenable to taking a work-related call out of hours, as part of a bit of give and take – but make sure that you track the benefit so that all the necessary tax is paid. There’s no future in saving money by cheating the taxman.

Applying this kind of thinking to all aspects of your business can make a significant difference to your bottom line, and be a useful ally to your business expense management software.

Dubai Health Care Statistic News

An international trade builds one alternative to exporting service is to import customers. Cross border travel for medical services in Dubai is a growing market in health care delivery, stimulated by demand from aging consumers in affluent nations. UAE can offer inexpensive but high quality treatment in modern hospitals is creating a boom in health care tourism in Dubai. The biggest and the most significant part of the health care system in Dubai takes place in dentistry. Lots of people all over Europe and Dubai residents prefer make their glam smile in Dubai. They can even combine dental treatment and recuperation with a vacation.

Nobody has collected the complete worldwide statistic about how many people travel to Dubai for dental and medical care related reasons every year or how many they spent. But UAE general report pointed out that in 2000, medical patients alone spent over 27$ billion. If the medical travelers from around the world spent in UAE even half as much that year, the total business in 2000 alone would have been in excess of 40% billion.

More importantly, Dubai is growing rapidly and turning out to be an immense opportunity for nations to come and have their dental treatment there. Most insurance companies in Dubai have already accredited hospitals and private clinics where visitors can seek emergency medical treatment. Now a few hospitals in Dubai are going a step further – they are getting themselves accredited by the Join Commission Accreditation of Health Care organization. A full accreditation from this organization allows a hospital to pitch for the insurance traffic too. Traveling has never been so healthy before.

Say Hello to the Superfood, Yuca

Welcome to Yuca

Currently there is a global health movement growing. People are more conscious about their health and are seeking alternatives to traditional eating habits. The realization that there are many different superfoods virtually untouched by the average population has created a desire to experiment with and try new exotic foods. Many of these superfoods have been brought over from South America, Asia, and Africa. Indigenous peoples have thrived off the land and sustained massive civilizations with the use of superfoods. One in particular is gaining momentum in North America.

To the right, is the Yuca (Quechua name spoken in Peru) root. This root has many different names depending on where you are geographically: cassava, manioc, manioca, yucca root, casaba, and tapioca. It is currently an essential root vegetable in the Caribbean diet.

Yuca is a perennial plant that is found in tropical climates. In Africa, Asia, and South America, it has been used as a major food source. Indigenous people use it along with other high-starch foods like yams, taro, plantains, and potatoes. While it is still not well known outside of the tropics, it accounts for about 30% of the world production of roots. Recently popular in the Americas is tapioca. Grinding the yuca root into small powder balls forms tapioca balls- enjoyed in boba teas and various drinks.

To clarify some dispute, YUCA and YUCCA are two very different plants. Yuca, is the root while Yucca is a scrub.

Why the sudden interest?

As the world continues to connect more and more, people are able to enjoy the benefits of fruits and vegetables that were once out of reach. Not long ago, if you were not born in the tropics, yuca would have been virtually intangible. But now, people all over the world can reap the benefits.

The general population also has access to endless amounts of new information. So with that comes new opportunities to incorporate in daily life. Previously you would have walked into a grocery store, unable to decipher what this long brown root was. Now with a quick Google search the information is there for you disposal. Recipes for this root are endless. The endless recipes allow you to experiment and diversify your diet.

The Energy it Provides is Incredible!

In Peru, South America we visited a local family. They were simply the most welcoming, humble, and hardworking family I’d ever encountered. In many cultures around the world it is very common for large families to live together. In one home you may have your mother, father, grandparents, great-grandparents, children and grandchildren. It is very common to take in family members and live as one large family unit. What we saw in this family was that everyone was extraordinarily hard working. Even the great-grandparents would pitch in to help around the house. While the activity they partook in was more limited than those of the younger generations, it was incredible to see the how agile and energized these men and women were.

I remember asking one day how they found the energy to work so hard at their age.

With a smile the older lady said, “comer bien.”

That was it, a simple explanation. “Comer bien” translates to “eat well.” These families eat fresh and powerful superfoods everyday. The yuca root is only a supplement to the other superfoods Peruvians have been enjoying for centuries.

How is it that this simple answer: comer bien, could lead to a long-lasting and healthy life.

I thought back to the United States where much of our older generation are forced to reside in Nursing Homes, or never make it to be a great-grandparent. These older generations thrive in Peru and are well respected. Their persistent activity and nutritious diets help them excel in life.

Processed vs Natural

Now comes the inevitable truth that many populations that suffer with obesity hate to admit. You are what you eat. Now what we see with the people in Peru is that most families eat a diet consisting of fresh grains, fruits, and vegetables acquired at the local open-air markets. These families are fueling their bodies with unprocessed, natural ingredients. A meal is made from scratch and all meals are viewed as family events. Everyone eats meals together and eats equally. There is little overindulgence because the quality of food creates a sensation of satisfaction and wholeness. There is no need for a cookie after dinner because there is no dependency on sugar like we find in the U.S. Since the foods are unprocessed, meals lack added sugars and preservatives. Their bodies run like a well-oiled machine- not like one that is driven by cravings. Imagine how powerful your body would feel if you energized it with whole foods- superfoods! Could you imagine how strong you would feel. Not lacking energy, not craving chips or cream puffs. Incorporating superfoods such as yuca into your diet slowly can show you how strong you can feel. It takes one small step that will lead to endless amounts of healthy decisions.

Don’t be afraid to try yuca. Your body will thank you for it!

Evaluating Physician’s Services

Have you ever wondered if you were receiving the best health care you could be? Doctors aren’t infallible and their diagnoses aren’t always the final word. It’s important know as much as you can about your health and what options are available to you depending your situation.

Not all doctors are equally qualified. Some have more experience that others. Following are some tips on how to ensure you are receiving the best treatment to stay your healthiest.

Do some research before selecting a physician. Ask about his education and areas of expertise. If you have a specific illness, look for a specialist in that field. It’s OK to ask for a second opinion and seek out the best care. Your good health is worth making the effort.

Don’t worry about hurting your physician’s feelings if you go ahead and get a second opinion. It may help set your mind at ease and know that you’ve done all you can for your health and your future.

You should also feel free to ask to see any test results that you may have received. Ask the doctor questions about the tests and/or his diagnosis until you feel satisfied. You may want to inquire if additional tests would be useful.

It’s important to understand your particular health concerns as well as you can. If you’re not an MD you may not know that much about your diagnosis. So, take the time to learn what you can about it. Think of you and your doctor as partners in your health care journey.

Find a doctor that you are comfortable with and rely on them to help you maintain your good health.

Strive to develop a relationship with them so that you feel comfortable asking questions and exploring your options as they pertain to your health.

Who Need Hotels When There Are Apartments for Rent?

The main problem of preparation for Euro-2012 is the complete lack of hotels to accommodate visiting soccer fans. Authorities promise to provide potential investors to build new hotels with all necessary facilities but seem that nobody wants to invest money in Kiev’s estate. And indeed – there are too much bureaucracy in real estate sphere. Ukraine relies on foreign investors but they are faced with serious difficulties. “The man who wants to build a hotel must gather 250 signatures in different instances. Land acquisition takes about 200 days and 300 days spent for the design. At least a year takes the construction itself. All this is very difficult for foreigners ” – said President of the Small hotels and apartments association Dmytro Zaruba.

Realizing this situation and not being able to finance the construction of hotels, the state went the other way – and pays attention to private traders dealing daily rent apartment Kiev. In the project “Gostynna Oselya 2012” (“Friendly Housing 2012”) Government negotiates with the agencies and agents that providerent apartment services on an ongoing basis. This project not only offers accommodation to foreign guests, but also a full range of services, including transport, food and hotel service. Now organizers negotiating with the Polish side so there is possibility that the project will become international. For now only there are about 5000 daily rent apartment beginning from studios on the outskirts to luxury suites in the heart of the city. Authorities considers the creation of database in which will be all rent apartment Kiev of the appropriate level of accommodation.

Approximately 80% of fans are looking for cheap accommodation and hotels in Kiev, mostly level 5 *, besides Kiev takes 35 place in the world’s most expensive hotel services. And in the sphere of daily rent apartment Kiev guests will be pleasantly surprised – unlike in Europe, Ukraine, the cost of apartment Kiev in two and even three times less than the price for a hotel room. UEFA Commission, inspecting the readiness of Ukraine to Euro 2012, visited Ukraine in June of this year.

So in 2012 we should expect serious recovery in the market of daily rent apartment Kiev cause practical and enterprising Europeans and Americans will not miss the opportunity to save their money.

Kidney Transplant – Patient Assessment Factors

When kidneys stop working effectively, you either have an option of a dialysis or a kidney transplant. Dialysis ensures that you get rid of the waste products from your body but it does not replace all the functions of the kidneys. When you are diagnosed with failing kidneys, treatment can sometimes prevent or at least delay their complete failure.

However, with a transplant, your body can continuously remove the waste products of metabolism, and excess fluid. Kidneys also help in the production of a natural hormone called erythropoietin that prevents anemia. It also helps convert the vitamin D in food into an active compound that helps keep bones healthy. Moreover, it helps excretion of some toxic drugs. Finally, it plays an important role in helping control blood pressure.

Kidneys normally undertake all these functions. It is a known fact that kidney transplant provides patients with a better quality of life than dialysis.

Assessment for kidney transplant

There are a few very important factors to be checked before you undergo kidney transplant surgery. To begin with, you will be referred to transplant only when you are nearing or have started dialysis.

  • There is no dependency on age factor or ethnic background when it comes to assessment for a transplant. It all depends on whether you are fit enough to have the operation and deal with all the after effects of the surgery.
  • Some of the factors checked are evidence of heart disease, chest conditions and other problems. Special investigations are conducted to assess whether these risk factors are too great for transplant.
  • Next there will be a thorough discussion between the specialists such as the surgeons, nephrologist, cardiologist and the physician before the decision is finalized.
  • Once you are considered fit enough for a transplant, the specialists will explain all the risks and benefits to you.
  • Many times there is a waiting list for a transplant.
  • There will be a number of tests conducted to check whether you have had certain virus infections.
  • Well, the specialists will also ask you whether you have any close friends or family who are willing to be live donors.
  • Live donor transplants are known to give the kidneys a better chance of long term survival as compared to diseased donor transplants.

Whether you receive a particular donor kidney or not is determined initially by the blood group. It is pretty difficult to get two people to be perfectly alike, because the genes are different. It is however possible to achieve a good enough match for a successful transplant. The surgery takes around three hours and appropriate care needs to be taken post operation too. 

Do I Need an Attorney for My Divorce?

Many couples debate whether they need a divorce attorney when mediation is required by the courts. It is recommended, at minimum, consulting with a family law attorney about your options and what is best course of action for your case no matter how well you and your ex-spouse get along.

Below you will find just a few examples of the aspects you need to consider if you are debating whether you should hire an attorney for your divorce:

  • If you have many complicated assets to divide up. If you have accumulated various expensive marital property, you should consider hiring a lawyer. You will want to have a lawyer present if you have complicated possessions you are dividing, like businesses, numerous vehicles, and real property.
  • If your spouse is prone to lying. If your former spouse is known to lie, it could become difficult when it is your word versus theirs in a hearing or mediation session. If they are spreading false information about you, or lying in the courtroom, you need a lawyer on your side to protect your interests.
  • If violence or abuse is ever involved. If any abuse is present, whether it’s related to children, substance abuse, sexual abuse, mental abuse, or any other form, you should always hire an attorney. Not only will the abused spouse not be able to negotiate properly for fear of manipulation or further abuse, but a family law attorney can help take the appropriate steps to protect you and your family.
  • If your spouse has hired an attorney. Your spouse may choose to hire a lawyer to represent themselves at the last minute. We see attorneys appear at hearings and mediation with little to no notice to the unrepresented spouse. If your spouse decides to have representation, you should as well. It will be difficult to make your case against a family law attorney, even if you believe you have a clear and reasonable argument.

There is so much at stake! If you are going through divorce and you are debating on whether you need to hire a divorce attorney, call and speak to a family law firm you trust in your area. An experienced attorney should answer the questions you have, discuss your options and your particular case to help you understand your options during divorce. A skilled lawyer may be an invaluable asset to protect your and your family interests.

The Biggest Home Loan Mistakes to Avoid

Buying a Home and obtaining the right type of Home Loan from the Bank is always a challenging task. Why you may ask? I think everyone will agree with me if I were to say owning a Home is our single largest commitment in our lifetime. If you do not get proper financing done, it can cost you thousands or even tens of thousands in interest payment alone to the Bank.

For Investors, structuring the mortgage financing correctly will be even more critical as it can mean the difference between a profit or a loss. This can be the difference between creating a wealth generating property portfolio or never progressing beyond the first property investment.

Throughout my entire 14 years’ journey in mortgage financing, I have seen many property buyers who made wrong mortgage decisions which cost them huge sums of money. So how do you make sure that you will end up with the right type of property finance that will save you thousands in interest?

Here are the 10 biggest Home Loan Mistakes made by loan borrowers which I have gathered throughout my career in Mortgage Financing.

Understanding the Malaysian Mortgage Industry

For the past one year or so, we have seen many announcements being made by Country Bank with regards to the changes in the mortgage financing climate. Many home buyers are still unaware and were caught off guard on the recent changes. Take for instance, recently when I sold one of my properties the buyer only knew that there is a 70% financing cap on third property after he paid the deposit and went to the bank to inquire about financing.

With the new announcement on 100% financing with properties costing between RM100,000 to RM400,000 do take extra precaution on the loan approval by the banks. It’s rather rigid with many requirements that needed to be met. My advised for those who are going for this type of loan is to go to the bank and check the loan approval requirements before committing on the purchase.

For home buyers or investors who are buying new properties, do take the extra trouble to check on the latest changes before committing on your purchase.

Going for the lowest Interest Rates

One of the hottest topics when it comes to buying a property will be “which bank is offering the lowest rate in town”. My philosophy, “The Lowest Interest Rate does not necessary save you the most Interest”. Why is that so?

What might be seen as a good deal can sometimes come with strings attached whereby it costs more in certain situations or the loan offers less flexibility. Always remember to read (no need to have the word “between” because you do not need to read between the lines) the fine prints in your loan Letter of Offer before signing on the dotted lines.

Be very clear about your objectives for getting the loan and do your homework before you go to the Bank for your financing needs. With the objectives set, go and search for a home loan that suits your specific needs and objectives, and enables you to save the most interest.

Understanding The Bank’s Loan Packages

There are hundreds of different innovative types of loan packages out in the market. Borrowers are often spoil for choice because there are too many to choose from. Many borrowers do not do research on the loan packages and at the end of the day take packages that are not suitable for their specific needs and goals, costing them to lose large amounts of money in interest payments to the banks.

Pre-Qualifying Your Loan Approval

This is the most common mistake that many home buyers make. Many home buyers thought that they have no problem in getting their loans approved and often time ignorance can lead to losing tens of thousands paid as deposits. I have seen this happen many times.

The right approach is to go to the Bank before buying a property and check your credit standing. The loan officer can help to qualify your loan. At least, when you pay the house deposit, you pay with confidence.

How Banks Determine Credit Approval?

Sometimes it will work towards your advantage if you know how the Banks approve a loan. Banks use, Debt to Income Ratio (DTI) to determine whether you qualify for the loan. For example, if your income is RM3,000 and your total debt is RM1,500 your DTI works like this:-

RM1,500/RM3,000 X 100% = 50% DTI

(Debt) / (Income)

Different Banks use different ratio to determine their credit approval. Normally, banks approve loans with DTI ratio of between 33% to 70%. The recent announcement by Bank Negara on using Nett instead of Gross income when it comes to loan approval will greatly affect the DTI ratio.

Please be mindful that debt also includes your other borrowing such as car loans, credit cards and personal loans.

Be a Guarantor for someone else Loan

According to Banking Info (by Bank Malaysia), a guarantor will sign a legal contract which binds the guarantor to pay the debt of the borrower if the borrower is unable to service the loan.

Too often I have come across cases whereby the guarantor gets into trouble when the main borrower is unable to service the loan. I have even seen cases where the borrower ran away and cannot be found. In this situation the bank will go after the guarantor. The guarantor will only have 2 choices either to service the loan or face being sued for bankruptcy. When this happens, even people with good financial standing will find it difficult to obtain a loan. Be careful when you are asked to be a guarantor.

No Shopping Around

I had a customer some years ago who bought a 3 stores semi-D in Penang. At the time of purchase she went to the bank to get her home loan. The loan was approved by the bank with the condition that RM200,000 be placed as Fixed Deposit lien. She did not go to other banks to inquire and took up the offer. In 2009 during the economic downturn, her business took a dip and she needed the money to sustain her business but her bank was unable to release the lien. At the end she decided to sell her house at a loss and she also had to pay a penalty of 5% on her RM500,000 loan.

This situation can be avoided if she had gone to various banks and shopped around. Maybe she did not even have to put up the lien. Different banks have different approval criteria. One bank’s rejection can be another bank’s approval.

Failure to plan

Having a Home Loan is our single largest commitment. Many borrowers take on loans they cannot even afford after taking into account their income and expenses. It will be wise to do your own financial planning before committing yourself to any loans.

Failing to plan will also cause the borrowers to lose tens and thousands in interest. Remember, “Even small monthly savings can add to a big sum”. By making constant extra repayment to the home loan will enable the borrower to save a lot in interest and also to finish the loan much earlier than the original tenure.

Choosing a Mortgage Lender

I am very particular when it comes to choosing a mortgage officer who is going to process my loans. One of my criteria is that the mortgage officer must have at least 1 year’s experience. This is of upmost importance as their experience in recommending your loans will be paramount to determining your loan approval.

Should I buy Mortgage Reducing Term Assurance (MRTA)?

When it comes to buying Insurance a lot of borrowers try to avoid it. If you do not have a life insurance at least buy MRTA. MRTA will cover you in the event of death or permanent disablement. Even if you have life insurance you can still purchase MRTA for extra protection for you and your family. MRTA is much cheaper than the life policy but the coverage is limited.

I hope my article will help you to gain more knowledge of the mortgage industry in Malaysia and will assist you to prepare for your upcoming property purchase.

11 Ways to Protect Your Phone

Smartphones have evolved in gigantic leaps over the years. You can now use your phones for virtually anything: from paying bills, to checking important emails, to storing sensitive data and media. There is not a lot that smartphones can’t do.

With this type of technological advancement, the risks have skyrocketed as well. This means that the little device that fits so snuggly in your hands will put you at great risk if you were to let your guard down and have it stolen, hacked or damaged.

The good news is that there are actually several of ways to safeguard your phone and this article talks about 11 of them. Let’s begin!

Use Lock Codes

This should be obvious enough, but you’d be surprised how many people don’t even bother setting up a lock code for their phones and sim cards. The rub lies way beyond lost contacts and possible missed appointments. Worst case scenario: if your phone gets stolen or lost, your data will be vulnerable to people with bad intentions.

Avoid this problem by inputting a password not only on your phone, but also on your sim card. That way, you’d at least buy yourself some time to do something about the loss before someone else can crack your pass-codes.

Watch Which Wireless Networks You Connect To

We live in the era of social media, wherein people thrive on being connected to others from all over the globe. Staying connected online usually sucks up data and drives your phone bills through the roof, which is why WiFi connections are a godsend. However, if you’re not careful about which one you connect to, you may just subject your phone to malicious parties.

Thankfully, smartphones have been programmed to lessen the chances of this risk. Make it a habit to turn off your wireless connection whenever you’re not using it. This tip actually solves two problems: help you avoid data breach on your phone and make your battery last longer.

Be Wary of Bluetooth Connections As Well

Although much safer than wireless connections because of their relatively short range, Bluetooth connections can still pose as threats to your phone’s safety. Hackers, when in range, can just as easily make calls, listen in on conversations and access data like they were doing it on their own phones.

Set the Non-Discoverable mode as your default Bluetooth configuration. By doing so, your device will no longer pop up on a potential hacker’s list. If you get unfamiliar requests to pair with your device, always choose to decline.

Be Extra Careful With Apps

With the recent surge of malware on phones that run on Android OSs, one needs to become extra vigilant when downloading applications. Although it may not be convenient to read through the software requirements upon installation, but doing so will give you an idea if a software, particularly an unknown one, is being reasonable with their access requests.

Always make sure to download apps from secured and official platforms only. You can also keep your phone safe by not saving your access details each time you log on to internet browsers as doing so will make it easier for hackers to access your data since they’ll all be in one place.

Download Effective Anti-Malware

This comes in handy if you’re unlucky enough to get malware on your phone from downloading apps. An anti-malware software will definitely soften the blow from infections and will save your information and media from getting damaged.

Update Your Phone’s OS Frequently

Constant OS updates can get a bit annoying at times, but you will serve your phone well by not ignoring it. Updating your OS will put into action a better and more secured system that will keep your data protected. So when a reminder pops up on your phone screen, clear up some storage space and start updating right away.

Back Up Your Data

Losing your phone is bad enough. Waiting forever to retrieve all your contacts, appointments, sensitive data and pertinent documents makes it so much worse. Backing up your phone’s data may not seem important to you now, but it will certainly be convenient when you need it.

There are services that will automatically upload all your data to an online resource each time you connect to a strong WiFi network, leaving you free from the hassles of setting it up yourself. Find one that suits your phone’s OS best and take advantage of it.

Jail-breaking or Rooting Your Device Is A No-No

Jail-breaking or rooting a smartphone is one way of bypassing the manufacturers’ security protocols. Doing so will significantly weaken your phone and render them vulnerable to software threats. Try to avoid doing this as much as you can.

Get Insurance

Human error will never be out of the question when it comes to dealing with phone safety. Accidental drops and liquid spills are commonplace and will probably set you back a couple hundred bucks in repairs.

By purchasing insurance for your phone, the damages mentioned above will be covered and will give you less threats to worry about. There are plenty of good insurance plans out there. All you have to do is look into them and figure out what kind of coverage you want.

Use a Reliable Screen Protector

As far as damages to your phone screen is concerned, you can never go wrong by getting a proven and tested protection technology that will never fail you in times of need. There are a lot of good options in the market today, but the products that stand out are usually the ones that go above and beyond.

Opt for screen protectors made out of military-grade polyurethane for an extra layer of defense from blunt trauma. These things are usually more affordable than you think and can definitely withstand great impact, leaving your phone screen unscathed each time.

11. Invest in a Dependable Case

You can take all the necessary precautions in keeping your phone safe, but you can’t deny the fact that they’re always just one massive drop away from being completely useless. Don’t worry, it happens even to the most cautious people.

When you invest in a shock- and waterproof phone case, you significantly decrease your worries of dropping and damaging your phone. You can now take your phone everywhere – the beach, the mountains and even the skies. Make sure that you choose phone cases that are made from military-grade materials, submersible in water up to 24 feet, and shock-, snow- and dust-proof.

Making sure your phone is safe at all times can get a bit overwhelming, but the tips above will take a considerable amount of pressure off your shoulders. Keep them in mind and you’ll be good to go.