Android, Antivirus, Apple, Chromebook, Enterprise, Internet Security, Microsoft, Mobile, OS X, Windows

Is Buying Antivirus Software Necessary?

Let’s address the elephant in the room – malware and viruses do exist! Devices are not immune so we have…

Let’s address the elephant in the room – malware and viruses do exist! Devices are not immune so we have to ask “Is Buying Antivirus Software Necessary?”! It is worth noting that if your phone, tablet or computer is invulnerable to internet threats today, it isn’t a guarantee it will stay so forever.

Having said that, let’s discuss why viruses are immensely prevalent on some platforms while on others they are almost non-existent.

First and foremost, we need to understand that cybercrime is a lucrative business. Hackers are always in search of ways to sneak in into users’ systems and capitalize on sensitive information.

While most vulnerabilities till now have been centered around the Windows OS, other system software like that of Apple’s isn’t as protected either as it once used to be.

It’s not that there are issues with Apple’s inbuilt security system, but rather, cyber culprits have found new ways of slipping through advanced defense systems. The reason why they have started out so late is that they were pretty content targeting the much easier and larger number of Windows and Android users till now.

Though Apple’s security is pretty impressive, it isn’t completely immune. For cybercriminals exploiting the system, it is just a matter of time.

As of now, Apple doesn’t really have antivirus software for the iOS and the same goes for Google’s Chrome OS, one of the most secure systems to date.

The few apps that claim to protect devices running on these operating systems are probably Security Software. So, for the time being, we will focus our attention on Windows, OS X, and Android systems.

 

Windows PCs and Laptops

 

Before progressing any further, let’s answer the simpler stuff first – Is buying antivirus software necessary for windows 7 or older?

The answer is simple and straightforward – YES, IT IS!

Now back to what’s more popular: What about Windows 8 and Windows 10?

While Windows 8 and above have had some significant improvements in their security system, especially after the introduction of Windows 10 with which Windows Defender Antivirus (a step-up to the Microsoft Security Essentials) comes included, the everlasting question whether one needs an additional antivirus software or not still remains unanswered.

Before passing any judgment, it must be noted that Windows Defender switches off gracefully once it detects a third-party program to avoid any interference. Hence, you once an antivirus software is installed and running the Windows Defender isn’t going to work any longer. Unless you are confident with your antivirus software, it is best letting Microsoft’s default defender do the job.

While Windows Defender if good, it certainly isn’t the best! According to AV-TEST, Microsoft’s inbuilt security program score a 4.5 out of 6. Of course, it isn’t bad but not as capable as Avira’s or Avast’s antivirus software that topped the list in December 2017.

 

Mac OS X Desktop Computers and Laptops

 

For a long time, Mac OS X was incredibly safe. Apple’s intelligently designed sandbox OS made it extremely difficult for criminals to hack Apple devices.

As a matter of fact, if a few years ago a Mac user would install an antivirus software, the only purpose it would solve was preventing it from passing to other devices on the same network. However, Macs have been cracked and have lately been more vulnerable to threats like never before.

For now, home users are pretty safe from being affected by a malware or a virus. Even though not many Mac users have been affected by a virus, it wouldn’t be right to forget that the risks are there.

To be on the safer side, it wouldn’t be a bad idea investing in an antivirus. Just like for the Windows, antivirus software from Kaspersky, Symantec and Avast do an impressive job of protecting Apple devices.

 

Android Phones and Tablets

 

It wouldn’t be safe to say that Android viruses do not exist at all. However, as long as one refrains from downloading apps from external sources, it is almost impossible your device to be infected by a virus or malware.

While, by default, Google doesn’t allow its Android users to installs apps from third-party source, this can be easily modified through a few steps in the settings. If you regularly install apps from unknown sources or are one of those courageous users who fiddle with their devices by gaining root access, having an antivirus installed wouldn’t be a bad idea.

It must be noted, that the Android threats known till now aren’t as malicious as the ones affecting Windows PCs and Laptops. This is mainly because it isn’t as easy to exploit an Android device and there isn’t much reason to do so as most of the sensitive information that hackers are in the hunt for is one computer.

As of now, there hasn’t been an Android malware that has caused booting issues for a device. Even if one feels his Android phone or tablet has been affected by a virus, all he has to do is back up his data and run a factory reset.

While having an antivirus might seem something optional, one might not regret having a security software instead installed on his Android.

What is important to keep in mind is that Android runs on devices that have a tendency to get stolen. Losing a phone or a tablet is quite daunting indeed. But giving away sensitive information is even worse. And, that is where security software plays a crucial role.

 

Is Buying Antivirus Software Necessary or will a free version suffice?

 

While free antivirus software today, like the Sophos Antivirus, protect devices from threats to a good degree, they are obviously nowhere near to what the paid ones are capable of doing.

Whether or not to pay for an antivirus or whether even having one is required is a highly personal opinion and there are certain things that are to be considered while making such a decision. If of course, you have important data on your device, something you cannot afford lose an inexpensive antivirus is worth adding to the expense.

For some suggestions on which antivirus to pick, check our article – Top 5 Antivirus programs for 2018

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Internet Security

Trump’s Republicans Want a Coup

Michael Flynn, the retired general who briefly served as Donald Trump’s national security adviser before being fired for lying about conversations he had with the Russian ambassador, spent Memorial Day weekend advocating for the U.S. military to overthrow the government. A keynote speaker at the For God & Country Patriot Roundup in Dallas—a conference popular…

Michael Flynn, the retired general who briefly served as Donald Trump’s national security adviser before being fired for lying about conversations he had with the Russian ambassador, spent Memorial Day weekend advocating for the U.S. military to overthrow the government. A keynote speaker at the For God & Country Patriot Roundup in Dallas—a conference popular with QAnon believers—he was asked on Sunday by an attendee, “I want to know why what happened in Myanmar can’t happen here.” Flynn replied, “No reason. I mean, it should happen here.”Flynn attempted to walk back the comments on Monday on Telegram, the social media network favored by right-wing extremists. “There is no reason whatsoever for any coup in America, and I do not and have not at any time called for any action of that sort,” he wrote, adding that “any reporting” suggesting otherwise is a “boldface fabrication.” But Flynn’s meaning couldn’t have been clearer: He was endorsing a military coup, to an audience of people who believe a convoluted conspiracy theory that Trump is secretly at war with a shadowy cabal of pedophiles linked to the Democratic Party.Flynn’s comment, extreme as it was, is increasingly representative of today’s Republican Party. Sidney Powell—the former federal prosecutor whose batshit election conspiracy theories earned her admission to, and then exile from, Trump’s postelection legal team last year—was also a keynote speaker at the conference. She told attendees that Trump should be “reinstated” as president and move back into the White House. (Powell did have some bad news, however: The Constitution would not give Trump credit for “lost time,” she noted, and he would merely be able to serve out the rest of Biden’s term.) But why point merely to Trump’s minions when we can source the man himself? According to The New York Times’ Maggie Haberman, Trump has been telling people that he “expects he will get reinstated by August.” Trump has not specified how he would be reinstated, but the answer is easy to conjure: a coup. Late last year, when Trump was launching dozens of frivolous election-related lawsuits, Republicans backed him. Using the courts to challenge elections was lawful, even if he was doing it in a silly manner, they argued—but it was hardly a coup. After all, the courts were involved. After the January 6 insurrection at the U.S. Capitol and Trump’s subsequent banishment from mainstream social media, these same Republicans—and many Democrats—hoped he would simply retreat into exile at Mar-a-Lago and be largely forgotten. But that hasn’t happened. Instead, the coup talk continues to escalate. Trump is hardly being shy about it. The sad, grandiosely named blog he launched last month—From the Desk of Donald Trump—consists mostly of rambling posts about how the election was stolen from him. On Memorial Day, for instance, he suggested that someone broke into the area in Fulton County, Georgia, where ballots were being held. Other recent posts suggest “massive numbers” of dead voters and demand unwarranted “forensic audits,” like the deranged one currently being done in Arizona, across the country.The wave of voter suppression bills that have been introduced and passed across the country should be seen as a part of this increasing focus on undoing a legitimate election. Even those Republicans who don’t explicitly endorse the looniest things said by Flynn, Trump, and others are fully backing this project. A majority of them—64 percent, per a Quinnipiac poll released last week—don’t even see Biden as a legitimate president. Roughly the same number hope Trump will run again—something he has indicated he will do, as long as his health allows it. Republicans in Congress like Kevin McCarthy, Lindsey Graham, and Rick Scott have traveled to Mar-a-Lago to kiss the ring. “Mar-a-Lago and Palm Beach are the center of the Republican universe right now,” Trump spokesman Jason Miller said last month. “All Republican roads lead to Mar-a-Lago. He’s the biggest name in politics, and everybody wants his support and endorsement.”Democrats have welcomed Trump’s relative retreat from the spotlight, allowing them to push Covid relief, infrastructure spending, and other policy goals without having to compete with him for the media’s—and thus the public’s—attention. But Trump’s claims about the 2020 election have gotten more bombastic and unhinged than they were before the Capitol insurrection, and the right’s violent rhetoric likewise has flourished. Flynn’s opinion that the United States should have a coup like “what happened in Myanmar” has shocked a lot of political observers these past few days, but that says more about these observers than it does Flynn. He’s merely a reflection of a fast-growing orthodoxy in the GOP—and January 6 was just a trial run.
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Vanguard review: Low fees and account options for all kinds of investors

 Summary List PlacementTable of Contents: Masthead Sticky Is Vanguard right for you? Vanguard Pros Vanguard Cons Commission-free stocks, ETFs, and options Brokerage, automated, and advisor-managed accounts available Thousands of low-cost mutual funds Multiple resources with expert analysis and market insights Several retirement accounts and services for retirement plan participants Higher options contract fee than other…

 Summary List PlacementTable of Contents: Masthead Sticky
Is Vanguard right for you?

Vanguard Pros
Vanguard Cons

Commission-free stocks, ETFs, and options
Brokerage, automated, and advisor-managed accounts available
Thousands of low-cost mutual funds
Multiple resources with expert analysis and market insights
Several retirement accounts and services for retirement plan participants

Higher options contract fee than other discount brokerages (Vanguard charges $1 per options contract)
No separate trading platforms for advanced traders
No cryptocurrencies

Established in 1975, Vanguard is a popular online brokerage that has just about everything for every type of investor. Among its products are brokerage accounts, automated and advisor-managed accounts, 529 education savings plans, IRAs, and more.
The company also has an array of websites for different purposes. Its websites cater to personal investors, institutional investors, financial professionals, and global clients. And if you’re solely focused on retirement, its expansive mutual fund selection and retirement plan participants services are hard to pass up.
As of January 31, 2021, Vanguard has more than $7.2 trillion in global assets under management, with more than 30 million investors in roughly 170 countries.
Its mobile investing app is available on iOS and Android devices.

Bottom line: Vanguard is a reasonable low-cost option for all types of investors. Whether you’re an active trader, passive investor, or retirement-focused individual, you’ll likely be able to find what you’re looking for.

Editor’s rating
4.51 out of 5

Fees
0% (0.15% to 0.30% for automated and professionally managed portfolios)

Account minimum
$0 ($3,000 for Vanguard Digital Advisor; $50,000 for Vanguard Personal Advisor Services)

Promotion
None at this time

Open account

Not sure if Vanguard is right for you? Keep reading to see how it stacks up against other online investment brokers.
How does Vanguard compare?

Min. Investment
$0 ($3,000 for Vanguard Digital Advisor; $50,000 for Vanguard Personal Advisor Services)

Min. Investment
$0 ($1 to start investing)

Min. Investment
$0 ($25,000 for Fidelity Personalized Planning and Advice)

Fees
0% (0.15% to 0.30% for automated and professionally managed portfolios)

Fees
0% for active trading and automated investing (1.25% for cryptocurrencies)

Fees
0% (up to 0.35% for robo-advisor)

Investment choices
Stocks, ETFs, options, bonds, mutual funds, and CDs

Investment choices
Stocks, ETFs, cryptocurrencies

Investment choices
Stocks, ETFs, options, mutual funds, bonds, CDs, annuities, and IPOs

Open an account
Open an account
Open an account

Vanguard, SoFi, and Fidelity all provide various account options for different types of investors. All three have self-directed brokerage accounts for active traders, automated accounts for passive investors, and IRAs for retirement-focused individuals.
But unlike Vanguard and Fidelity, SoFi doesn’t offer any advisor-managed investing accounts like Vanguard Personal Advisor Services or Fidelity Personalized Planning & Advice. SoFi also has a more limited selection of investment choices, but it could be a better fit for traders looking to dip their hands in the crypto space.
While Vanguard and Fidelity are mostly neck and neck, Vanguard’s fees are slightly higher than Fidelity’s in some areas.
If you’re still interested in exploring Vanguard, keep reading to see what the brokerage offers.
Ways to invest with Vanguard
Self-directed brokerage accounts
Vanguard’s self-directed brokerage accounts are best for active traders who want control over the investments they buy and sell. Available as individual or joint brokerage accounts, this option gives you access to an array of investment choices, including Stocks, ETFs, options, bonds, mutual funds, and CDs.
Stocks, ETFs, and options here are all commission-free, but be prepared to pay an additional $1 per options contract (this is higher than brokerages like Charles Schwab and Merrill Edge, which charge $0.65 per contract). Vanguard also offers thousands of mutual funds, and while minimums for those investments can range from $1,000 to $10,000, most Vanguard mutual funds require at least $3,000.
Not to mention, Vanguard is the home of the famous Jack-Bogle-created index mutual funds. These investments are great for those looking to take the slow-and-steady route to building wealth. See more here.
Automated and advisor-managed accounts
Not interested in picking investments on your own? Vanguard offers a couple of options for hands-off investors who prefer automated or advisor-managed accounts. These include the following:

Vanguard Digital Advisor: This is Vanguard’s automated investing account. It creates a personalized portfolio for you that’s composed of Vanguard ETFs. The account has a $3,000 minimum and 0.15% advisory fee. Read our full review here.
Vanguard Personal Advisor Services: This account merges automated management with one-on-one financial advisor support. Though it has higher fees (a $50,000 account minimum and 0.30% annual fee), you get to take advantage of professional advice from a Vanguard fiduciary advisor. Read our full review here.

IRAs
Vanguard is also a great resource for those interested in using retirement accounts to build wealth. The brokerage offers several options, including traditional IRAs, SEP IRAs, Roth IRAs, 401(k) rollovers, individual 401(k)s, and SIMPLE IRAs.
These retirement accounts give you access to Vanguard’s All-in-One retirement funds and countless ETFs.
Education savings plans
If you’re interested in investing for a child or dependent, Vanguard offers multiple options. These include its 529 education savings plans, UGMA/UTMA custodial accounts (these accounts let you invest for a child until they become adults), and trust administration and investment management services.
Educational resources and insights
If you’re new to investing and simply want to improve your expertise, Vanguard provides a plethora of investment education and market analysis resources (most of which are free for those without existing accounts).
You can tap into the following resources in its investor education section:

Getting started investing
Choosing investments
Trading online
Understanding taxes
Managing your portfolio
Investment research
Market summary

The brokerage also has a “News & Perspectives” hub that keeps you informed on the latest investing trends.
Is Vanguard trustworthy?
The Better Business Bureau has given Vanguard an A- rating to reflect its opinions of Vanguards customer complaint history, business practices, and advertising and licensing information. BBB ratings range from A+ to F, so this indicates a high level of customer engagement on Vanguard’s part.
Other factors the bureau considers include time in business, type of business, and government actions. But the BBB also states that its ratings don’t guarantee a company’s reliability or level of performance. For this reason, it’s important to conduct your own research as well.
Vanguard has closed fewer than 70 complaints in the last 12 months, according to BBB data.
Rickie Houston is a wealth-building reporter at Personal Finance Insider who covers investing, cryptocurrency exchanges, brokerage, and wealth-building products.
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Plethori Is Offering Investment Opportunities into Leading Insurance, NFT, and Oracle Sectors

London, UK, May 31, 2021 – (ACN Newswire) – Plethori, a cryptocurrency ETF investment platform, is offering investment opportunities into leading Insurance, NFT, and Oracle sectors.In the crypto world, investment opportunities are plenty, but can appear scattered and complex. Plethori plans to help solve this problem. As crypto becomes more mainstream, emerging projects are combining…

London, UK, May 31, 2021 – (ACN Newswire) – Plethori, a cryptocurrency ETF investment platform, is offering investment opportunities into leading Insurance, NFT, and Oracle sectors.In the crypto world, investment opportunities are plenty, but can appear scattered and complex. Plethori plans to help solve this problem. As crypto becomes more mainstream, emerging projects are combining the best of the traditional and decentralized markets in order to offer the greatest investment opportunities to serious investors. One such company is Plethori, a one-of-a-kind cross-chain investment platform built on the Ethereum and Polkadot blockchains. Their goal: to deliver Cryptocurrency Exchange-Traded Funds (ETFs) to the masses via their platforms.Plethori is a Cryptocurrency ETF Investment Platform that allows the open trading and creation of trustless ETFs by utilizing blockchain technology and layer 2 solutions. The service will allow investors to deposit capital in the form of PLE tokens and invest in a wide range of ETFs enabling investment into entire industries in cryptocurrency such as insurance, oracles, NFTs, Derivatives, Polkadot ecosystem projects, and many more.The cross-chain investment platform recently partnered with Shield Finance — a multichain DeFi insurance aggregator. Shield Finance has developed an insurance aggregator which enables investors to protect their portfolio against ‘black swan events such as hacks, exploits, rug pulls, market crashes. The partnership will provide Plethori’s users with the power to insure their investments against negative price movement. Shield Finance will deploy Market Crash Protection contracts to cover the $PLE token. Holders will be able to insure their tokens against loss, giving them the ability to sell their $PLE at a guaranteed price (irrespective of current market price). Plethori also has plans to explore deploying the same insurance contracts to cover their range of available ETFs.Plethori Brings Financial InclusivenessSoon to be launched on the ethereum layer 2 solution Optimism, Plethori will be able to offer their users ultra-low transaction fees and fast trading whilst maintaining high security. The platform shall also provide ERC-721 integration, rewarding ETF creation and trading achievements and gratifying investment and trading. Plethori will utilize the Ethereum and Polkadot ecosystems, empowering traders by providing a wide range of ETF tokens to trade and invest in. This will allow for the leveraging of technology from both blockchains. The service will allow investors to create fully decentralized ETFs that can then be traded which will earn creators a share of the subsequent transaction fees. The leaderboard system will reward top-performing fund creators with NFTs which give perks on the platform and partner project platforms such as early access to releases and higher staking APY.Some of the key features on the platform include: Metamask Wallet connectivity for trustless non-custodial transactions; Blank Wallet integration for secure, private transactions; ultra-low fees on transactions; margin trading; leveraged trading; advanced charting features; detailed asset information; cryptocurrency market analytics; portfolio management tools; PLE token staking and farming and a lot more.Plethori GovernancePlethori Governance is the governance platform and a community forum where PLE token holders will be able to submit proposals and vote on platform changes which will be vetted and executed by using governance contracts. The community will be able to communicate with other equally dedicated members in the tiered groups on the platform and coordinate and propose changes to the Plethori ecosystem.The governance structure will be a complex but fair tiered system with each holder initially holding an equal single vote and their vote growing in value in response to certain factors relating to usage and involvement in the ecosystem.The metrics that will influence the governance tier level and strength of vote are: length of time holding PLE; length of time staking/farming PLE; frequency of usage of the Plethori platform; level of engagement in the Plethori Governance platform, and; community contributions.This system allows for community control, which holds true to the original cryptocurrency ideals of decentralization and democratization.The PLE token will additionally act as a governance token for the platform giving the community the power to direct the development and advancement of their goals. PLE token holders will be able to vote on the platform to determine fund parameters and new features. They’ll also be able to influence decisions concerning the project such as ETF asset rebalancing or listing/delisting of assets. The changes proposed will be vetted and then voted on through the governance platform. Any changes will be applied automatically via smart contracts.ConclusionPlethori is bringing an era of financial inclusiveness through its cross-chain investment platform that offers several investment opportunities via Defi to one and all. Their interoperable platform allows for seamless trading between the Ethereum and Polkadot ecosystems.The platform guarantees more than simply an aesthetically thought-out UI but also an investor-centric feel to create the perfect blend between form and functionality.Social LinksTwitter: https://twitter.com/plethoriTelegram: https://t.me/plethoriMedium: https://medium.com/plethoriMedia ContactCompany: PlethoriContact: Callum Mitchell-ClarkEmail: [email protected]: https://plethori.com/SOURCE: Plethori Copyright 2021 ACN Newswire. All rights reserved. www.acnnewswire.com
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Enterprise

The Best Cryptocurrency Solutions for Enterprises

Enterprises need to follow modern trends, and B2BinPay crypto wallets are the best choice to obtain. Look through the main pros for enterprises and their customers. The best crypto solution for enterprises Since the crypto market has got support from major players and institutional investors, the community cannot ignore this fast-growing trend. Digital assets open

Enterprises need to follow modern trends, and B2BinPay crypto wallets are the best choice to obtain. Look through the main pros for enterprises and their customers. The best crypto solution for enterprises Since the crypto market has got support from major players and institutional investors, the community cannot ignore this fast-growing trend. Digital assets open
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