Emails are a very difficult means of communication to provide adequate protection. The problem with protecting your email is that it must be encrypted from end to end to prevent it from being intercepted when traveling on intermediate networks, and the recipient must have the same encryption system. Which email service is most secure? 

The 5 most secure email services

ProtonMail is a free provider of encrypted, open source email messages based in Switzerland. The most important feature when talking about any encrypted email service is whether other people can intercept your messages and the answer is unambiguous when it comes to ProtonMail because it offers end-to-end encryption. ProtonMail is so secure that it cannot recover emails if you forget your password. Decryption takes place after logging in, so the service cannot decrypt an email without a password or recovery account in a file. 

Countermail is about user safety. Although its interface looks quite outdated, its system is regularly updated and email security is second to none. Like ProtonMail, it also offers comprehensive encryption between sender and recipient and uses OpenPGP to protect e-mail messages and e-mail accounts. Because it uses diskless data servers, no one will be able to read or write anything you send through those servers. 

Hushmail is another encrypted email service that has been around since 1999. Ensures the security and blocking of email messages using the latest encryption methods. Even Hushmail cannot read your messages; only the person with your password can do it. With this service, you can send encrypted messages to Hushmail users as well as to users who have accounts in Gmail, Outlook Mail or other similar email clients. 

Mailfence is an encrypted email service based on the OpenPGP standard that offers comprehensive encryption and digital signing. It was launched in November 2013 by the ContactOffice Group, which since 1999 manages the online collaboration package for professionals, universities and other organizations. Unlike other private and secure messaging services found on the Internet, Mailfence does not block users from their own “digital island”. It leaves its users complete freedom of secure communication with anyone, be it with other Mailfence users or any other email service. 

Tutanota is similar to ProtonMail in design and level of security. All Tutanota emails are encrypted from sender to recipient and decrypted on the device. The private encryption key is not available to anyone else. This email account is all you need to exchange secure emails with other Tutanota users. For encrypted email outside the system, specify the password that the recipient should use when viewing the message in the browser.

iTunes works more than you can imagine. Restoring factory settings is one of its functions. However, when an iTunes error occurs and doesn’t work, you need to look for other ways to restore the iPhone to factory settings. How to factory reset iPhone 4 without passcode and iTunes?

How to reset iPhone without iTunes or Apple ID / password

If your iPhone is turned off or locked and iTunes is not available, the best solution will be Apeaksoft iPhone Eraser. It is able to permanently delete all content and settings. What’s more, this iPhone reset tool is rather easy to use. The only requirement is connecting the iPhone to the computer with the “Trust” option enabled. 

1. Connect the iPhone to the computer 

Download, install iPhone Eraser on your computer and connect the iPhone to the computer as well. Run the program and wait for it to be detected automatically.

2. Select the level reset option

There are three levels of deletion: low, medium and high. The first is to overwrite the iPhone once, the second is twice, and the last one is three times. Make a decision based on your needs.

3. Reset your iPhone without iTunes with one click 

When you’re ready, click “start” to immediately start resetting your iPhone to factory settings.

How to restore iPhone factory settings without iTunes / iPhone via iCloud

If your iPhone is lost and you want to restore it to factory settings to avoid data loss, just use “Find my iPhone” with iCloud to help you.

“Find My iPhone” is able to restore the factory settings of the iPhone without iTunes. 

The only requirement is that you have enabled the “Find my iPhone” function on the iPhone and can log in to your iCloud account online. 

1. Enter icloud.com in the browser’s address bar and log in to your iCloud account and password (Forgot iCloud password?).

2. Select “All devices” and select iPhone from the list. Then click “Erase iPhone” on the device information screen.

3. You will need to enter your Apple ID and password again to confirm that you are the owner. Connect your iPhone to the Wi-Fi network and the reset process will start automatically.

Of the three primary skin cancers, melanoma is the most malignant and resistant to treatment. Due to its dynamic development and the frequency of metastases, the therapy is extremely complicated and requires the participation of multidisciplinary specialists. The effectiveness of treating the disease is closely related to timely diagnosis. Can stage 3 melanoma be cured?

Risk factors

Risk factors are all circumstances that may or may not lead to cancer. The most important are:

• Excessive exposure to UV radiation, both the sun and artificial tanning, i.e. solariums; UVA and UVB radiation can be equally harmful, although the latter is more important.
• Cumulative sun exposure (also in childhood) with severe sunburn of the skin is closely related to an increased risk of developing melanoma.
• Light skin phenotype (white race, red or blond hair, high propensity for sunburn gives a certain predisposition to melanoma).
• Age and gender (the risk of developing the disease is greater for women and increases with age).
• A history of skin melanoma (about 5-10% of people previously suffering from melanoma can be expected to get sick again).
• A positive family history, i.e. the presence of melanoma in closely related individuals, increases the risk of melanoma.
• Multiple birthmarks (for people with a minimum of five birthmarks larger than 6 mm, the risk of getting sick is higher than for people without birthmarks).
• Atypical mole syndrome (minimum 50 moles with a diameter over 2 mm – a rare condition inherited in a complex manner).
• Presence of birthmarks (they occur in approximately 1% of the population).
• Immunosuppression, i.e. deliberate inhibition of the immune system activity in patients, e.g. after organ transplantation. The risk of melanoma increases in people receiving continuous immunosuppressive therapy.
• Genetic background (responsible for about 3% of cases).

Stages of melanoma

Based on the factors determining the skin change, the occurrence of lymph node metastases, the occurrence of metastases to distant organs and the mitotic index, i.e. the indicator determining the number of cells undergoing mutation, the stage of melanoma is determined. Grade 0 means the form of melanoma not exceeding the epidermis, without infiltrates. Grade 1 is the stage of melanoma without lymph node involvement, without metastasis, the tumor does not exceed 1 mm in thickness, if it is ulcerated. Without ulceration, it does not exceed 2 mm. Grade 2 is melanoma only locally but lesions on the skin exceed 2 mm to 4 mm with ulceration. Grade 3 is melanoma with regional lymph node metastasis. There may be both micrometastases, as well as entire nodes are involved. In 70% of patients, metastatic changes in lymph nodes precede dissemination to distant organs. Grade 4 is the most advanced stage of melanoma. There are metastases to distant organs. 

Treatment of melanoma in individual stages.

The basis of melanoma therapy is surgery. Total excision of the primary focus. Changes are removed with an adequate margin of healthy tissue. When the presence of metastases in lymph nodes is confirmed, radical nodal resection is performed – lymphadenectomy. Starting from the third stage of the disease, its course is very complicated. Melanoma progression can be very rapid with rapid metastases to lymph nodes and other organs. At this stage, systemic treatment is introduced. Such complex therapy requires a comprehensive, combined and multi-specialist approach, as well as the availability of all treatments in one place.

Banks have regulations that they must follow, including rules regarding the opening of an account by a foreigner. This can be done, but requires some additional documentation, courtesy of the Internal Revenue Service and federal regulations. Depending on the services offered by the bank, it may also be possible to open an account in Canadian currency or simply to continue banking operations at a Canadian bank using debit cards and ATMs. Can Canadian open bank account in USA?

IRS and international forms

For Canadian citizens to open a US bank account in the United States, only two IDs are needed. You don’t need a US mailing address to open a bank account. When a U.S. citizen or legal resident enters the bank to open an account, they will need to bring a photo ID and social security number with them. The bank does not try to create inconvenience; enforces federal law. All US account holders are subject to these rules for bank and brokerage accounts. If you are a foreigner and do not have a social security number, you still need to provide proof of identity and sign a tax declaration known as Form W-9.

Reasons why Canadians may want to open a US bank account 

There are several reasons why Canadians may want to open a US bank account:

• You work in the United States. If you’re a Canadian working on a US visa, having a bank account will save you a lot of time and trouble by depositing checks into your US account.
• You own a company in the US If you already own a company in the US or are considering opening it, having a US bank account can be beneficial. You’ll be able to open a company account, which can provide many benefits of easier invoicing, faster payments and lower fees.
• You own a property in the United States. If you own a property in the United States or plan to buy a property, opening a bank account in the United States allows you to apply for a bank loan. Paying off your mortgage will also be less stressful.
• You often travel to the USA. If you regularly travel to the States, having an account with a US financial institution makes your life much easier. You’ll have easier access to your money when you need it, and you won’t have to worry about converting currencies from Canadian dollars to US dollars and returning back, or paying transaction fees (which may increase over time).

Using a Canadian account

A useful alternative if you’re just looking for banking convenience would be to open an account in Canada, apply for a debit card, and use the card while in the US to make payments, withdrawals from ATMs and deposits. The bank will change all deposits made in US dollars to Canadian funds to your account and allow you to withdraw dollars during your stay in the US. Larger banks, such as the Royal Bank of Canada, also have branches in major US cities. 

Canadians with a US bank account can avoid costly exchange rates and will not have to deal with the problems of converting money from US dollars to Canadian dollars. Just remember that regardless of which bank you choose, find out what are the requirements and options to find the best bank for you.

Discovering the secrets of the future is exciting. Going to the fairy, we always hope that in the future good surprises will be hidden. Some great love, big money, a career or talented children. We are driven by curiosity and hope. The fairy is to give us the best solution to problems, preferably reliable and ready. Therefore, customers ask: how, when, or why. And these are constantly topical questions that have not changed for years. Are online psychics reliable?

How do soothsayers know so much? 

If you’ve ever been to a fairy, you’ve probably left wondering how much she knew about you – things that no one could know – so it must have been some kind of supernatural perception. Scientists decided to look at both the work of the soothsayers, as well as the expectations and reactions of their clients.

An experiment on the veracity of divination

The name of the famous circus artist became a scientific term thanks to the psychologist Bertram R. Forer, who wanted to test Barnum’s view of divination, in 1948 conducted one of the most important experiments in this field. A group of students was asked to complete a test to examine their personalities. As a result of the test, the subjects received their characteristics – their task was to assess the compliance of reality with the test result. None of the students knew, however, that they had received the same cluster of general phrases written by Forer from randomly selected horoscopes. The study group rated the accuracy of “their” personalities at 4.26 on a 5-point scale! This is how the primer was created, which is used by every novice soothsayer today. Who will not believe a fortune teller who will say about us: “You had doubts about your temperament or sexual interests” or “You have a need for people to like and admire you, but you are critical of yourself”?

Predictions online

Online divination gives us the opportunity to re-view the card submission, because we receive them in writing. In this respect, they will always be better for a person than meeting a fairy personally. During the divination, many of the prophecy eludes us, we do not pay attention to certain issues, or we forget about what may be important immediately after leaving the fairy. For divination, we mainly remember what is important to us at the moment. Online divination allows us to analyze card responses, returning to them when we have doubts, when we need another hint.

Is it worth sticking to a proven fairy?

The work of the fairies online is no different from the work of other people. Well, it can be said that it is specific, but it is the type of work that the client does on the order of the contractor. The painter paints the room, the teacher – teaches, the seller – sells goods, and the fairy foretells. And just like in normal life, everyone is more likely to use the services of a person whose work he is satisfied with and is aware that this work will be properly done rather than leaning towards looking for someone new, not sure how he will perform the work entrusted to him and whether it will meet expectations.

Proven fairy online

If we manage to meet or find on our way a fairy who meets our expectations, who has an approach to us and who is credible to us, and her predictions come true, it is worth sticking to her. Here, however, I have a reservation. As for everything in life, divination should be approached with reason and in moderation. First of all, do not ask several fairies with the same questions at the same time. It is true that some of the divinations will coincide, and there will be one that will be what the Questioner expects, because according to her everything will be as it wishes.

Maybe you are sitting at a friend’s house and you have to quickly drive his car to the grocery store. Maybe you recently rented a new nanny and he doesn’t have his own car. These are situations in which you need to know if your car insurance covers the driver or the vehicle listed in the policy. Does car insurance follow the car or the driver? 

In most cases, auto insurance covers a specific vehicle. The policy holder bears basic protection in the event of an accident. If someone drives a rented car, their car insurance would act as additional insurance, but the car owner would be responsible for the insurance as well as any damage outside the policy. As a result of this incident, the policyholder insurance rates may increase.

Some types of car insurance follow the driver. But generally, car insurance follows the car. So if your friend borrows a car and falls into an accident, your car insurance extends to your friend. But because we are dealing with insurance, there are many exceptions. Regulations vary depending on where you live. In fact, the rules for auto insurance are different in every state. 

The owner must agree

An uninsured person will most likely need the owner’s permission to drive the vehicle to cover insurance. You don’t have to write a formal letter. Oral consent is generally sufficient.

In addition, insurance can remain with the vehicle if it is stolen, even if the thief is obviously not allowed to. 

Drivers who are not covered by the policy may be insured in the following situations:

• When extended family members visit you or stay with you at home.
• When sharing responsibility for driving while traveling or long driving.
• When friends and family borrow a car while their car is being repaired.

There are several scenarios in which specific drivers and activities will generally not be covered by the policy.

Do car insurance policies cover the driver or the car?

Standard insurance policies include a car. By adding complementary rules, you can guarantee that the driver and vehicle will be protected in the event of an accident. If you have a policy with a named driver, any driver you want to include must be added to the policy. If you have someone who drives your car but does not live with you, consult with them and suggest that they will receive a non-owner policy. You can drive safely with the right car insurance.

Why is insurance important?

The policy primarily protects you – as the driver of the vehicle – against claims from any injured persons in a situation which results in damage to health or loss of health, injury, death, damage or loss of property. This situation does not have to take place in road traffic, but also e.g. when parking (or even parking), getting on / off the vehicle, or loading / unloading it. The policy also protects your passengers, even if you are guilty of harm.

The insurance will cover the cost of damage as part of the treatment / rehabilitation of the injured person and as part of the repair of damaged property (car, home, fence, etc.).

Remember: to cover your own damages, protect your property, insurance, often additional insurance is needed.

Conservative investors usually buy shares and hold them for several years or longer to take advantage of the overall upward trend that the stock market usually follows for a long time. However, the stock market is liquid, which allows investors to buy and sell shares on the same day or even at the same hour or minute. Buying and selling shares on the same day is called day trading. Can you buy and sell stock in the same day? 

Wondering why your broker does not allow you to buy shares and then sell the same shares on the same trading day? No wonder it’s not anymore. There are good reasons for this.

Session day

The action quoted above is called day trading. It can happen on any financial market, but day trading is most common on the stock market and currency markets (forex). Day trading is not necessarily a bad thing; it is also not illegal or unethical. However, it is very risky and complicated, and the technique is best used by a professional trader. Usually, daily investors are experienced, well educated and well financed by large financial services institutions. One-day investors are also bound by the regulations established by the Financial Industry Regulatory Office (FINRA).

Lifting trade restrictions

However, if you are an experienced investor, you can ask the broker to remove all restrictions from your account. Depending on the particular company and your financial situation, your broker may immediately remove or loosen restrictions or may lift them after a certain number of transactions have been completed. If you still think your brokerage account is too restrictive, you may want to shop around because you can find a more compatible broker with less trading restrictions. 

Basics of trading for the day

One day traders buy and sell shares on the same day in an attempt to profit from daily fluctuations in share prices. For example, a daily trader may buy shares for $ 35.50 per share and sell them a few minutes later for $ 35.60 per share, with a profit of 10 cents per share. If later the share price drops to USD 35.50, the trader may buy more shares in the hope of another price increase. Day traders can buy and sell the same shares several times on the same day.

Transaction risk of the day

Day trading is extremely risky because daily stock price fluctuations are unpredictable. One-day investors generally focus on short-term stock prices. Once their gambling pays off, but they can lose money very quickly. According to the US Securities and Exchange Commission, most new day traders suffer severe financial losses, and many traders never make money.

Tax Consequences

Even if investors manage to earn money during the day, they usually have higher tax rates than long-term investors. Profits from the sale of shares are subject to capital gains tax. If the investor has shares longer than one year, the maximum capital gains tax rate is 15 percent. If the investor holds shares for a year or less, the capital gains tax rate is equal to the normal tax rate of the taxpayer. This means that trading day profits can be subject to tax rates of up to 35 percent.