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Best Credit Card for You According to Your Spending Habits

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Nowadays, the market for credit cards is becoming more and more competitive. This makes it difficult to choose a card that would be good for you. Each one offers different benefits and services which might not be of your interest. To make things easier, they have created a list of credit cards that are best suited for particular categories of spending habits.

If you’re a big spender

You might consider getting a credit card with cash back rewards if you’re a big spender. The best cards for that have no annual fee and don’t require you to spend thousands of dollars within the first few months of getting them.

You should also look for cards with low-interest rates (less than 20 percent) and high credit limits so that if something goes wrong and you need some breathing room on your balance, you won’t be left behind in debt.

If you travel a lot

If you travel a lot, there are different types of credit cards that can help you maximize your rewards while on the road. As SoFi experts suggest, “When choosing a rewards card, think about your spending habits and redemption preferences.”

The best travel credit card for you will depend on where and how much you travel, but generally speaking, the more miles or points your card earns per dollar spent and the less expensive it is to use abroad are two key factors to consider.

If you have a lot of debt

If you have a lot of debt, the best credit card for you is one with a low-interest rate. A low-interest rate means that it will take a long time to pay off your debt and you’ll save money by paying off your debt faster.

For example, if you have $10,000 in outstanding debt on a credit card that has an 18% APR and pays 15% cash back rewards, it will take 120 months (10 years) to pay off your balance, but if you use another credit card with an 8% APR and earns 1% cash back rewards on all purchases, it would only take 85 months (7 years).

If you want to earn points or cash back on purchases

Cash-back and points cards can be a great option if you want to earn rewards for your spending.

There are many different types of reward credit cards, so it’s important to choose the one that best fits your needs. If you’re looking for cash back on purchases, some best cash back cards page lists the top options from all major issuers. It includes rewards rates based on annual spending and other factors like whether or not you have excellent credit.

If you are a student

If you are a student, a student credit card can be the best option for you. Student credit cards offer many benefits that can help you build a good credit history and get rewards.

Student credit cards are often the best option for young people with little or no credit history. If you’re in your 20s or 30s and have never had an adult-level account, then get started on one now.

 

The bottom line is that there’s no one-size-fits-all credit card. You should find a card that fits your needs, whether that’s earning rewards or avoiding fees. If you want to make sure you choose the right one for you, take some time to think about how often you use cards and how much money you spend on them each month—and then do some research!

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WHAT TO KNOW ABOUT CRYPTOGRAPHY AND WHITE-BOX CRYPTOGRAPHY?

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Cryptography is a critical component in keeping applications and software safe and secure from cyber thieves. The white-box cryptography is one of the several cryptographic technologies that have been developed for these purposes. Details on this program in various contexts are provided below.

What exactly is cryptography?

In general, cryptography refers to standard security procedures that use mechanisms like authentication, data secrecy, data integrity, and non-repudiation. Kerckhoffs’ premise is followed by white-box cryptography. According to this concept, a cryptosystem must be entirely safe even if other characteristics of the system, other than the key, are known to the public. That is, a hacker will have total access to the algorithms, implementation, memory, and security mechanisms utilized, and its security is based on the secrecy of the arbitrary data and the private keys.

The goal of white-box cryptography

  • The overarching goal of cryptography is to conceal critical information from unauthorized access, cyber attackers, and other malevolent offenders and make it accessible only to the intended receiver.
  • The primary goal of white-box cryptography is to combine code and keys in a unique form that is unrecognizable to a hacker/attacker, resulting in a program that is safe to operate in an unsecured environment.
  • White-box cryptography is extremely important for app developers since it assists them in lowering security concerns for varied devices.
  • It is simply a method of protecting the software implementations of various encryption algorithms from various forms of flaws. It uses a combination of encryption and obfuscation techniques to incorporate secret keys into application code.

White-box cryptography characteristics

  • White box encryption creates a safe world using mathematical approaches. Using these mathematical strategies, they generate secret keys that preserve the information private and secure while making all other publicly accessible information private.
  • White box cryptography combines app keys with sensitive cryptographic procedures. Combining these keys and app codes helps to secure the app quotations and makes it tough for attackers or cybercriminals to decode or disassemble the program.
  • In the online world, confidentiality is crucial. The key to protecting yourself and your sensitive information from being hacked or leaving is to remain anonymous to the outside world. Doing it physically may expose you to the internet world, putting you at risk of being tagged and targeted. White box cryptography secures cyber information while being completely secret and anonymous. This is among the most crucial reasons why the white hat is so popular with consumers these days.
  • There are several Whitehead implications available on the market. Each of these types of white box cryptography employs a unique set of procedures. You may select one search variation based on your objective and requirements. These various white box cryptography differ in runtime code changes, statistical analysis of protection, and many other aspects.
  • White box encryption operates unusually. It works in such a manner that all of the information required to make the code safe is made public for hackers and attackers to obtain. You may be skeptical of the software’s accuracy and performance, but to your surprise, there are many more sides to the story. In a high-security environment, a white box houses a secret key. Without this secret key, all of the data provided by white-box cryptography is useless. As a result, white box cryptography focuses on protecting only one component that connects everything but without which nothing can be retrieved or attacked. This allows White-Box cryptography to achieve accuracy in its tiny domain, but the realm in which it has produced its precision is the most crucial element to consider.
  • White-Box cryptography provides a highly sophisticated approach to keeping your application safe. It delicately mixes each component of the program. Because of this complication, each component becomes indistinguishable, making it extremely difficult for a hacker or attacker to isolate and identify each component. All of the components present in the program are not useful to hackers. They just need to identify the cryptographic keys, which are used for hacking or creating an imitation application. Because of the extensive mixing, the hackers were unable to recognize and implement the encrypted code uniquely.

Methods for Using White-Box Cryptography protects the secret key

  • Partial Evaluation: It is adjusted while functioning dependent on the key. For example, during the replacement stage of a block cipher, the computational domain is modified to be key-dependent.
  • Tabularization: All other procedures are converted to utilize lookup tables as well. This is feasible because lookup tables may describe any function.
  • Randomization and DE linearization: An encrypted chain of lookup tables with the same capability as the original chain but hiding the key is constructed.

White-box cryptography implementation

  • Some of the open gadgets are smartphones, PCs, laptops, tablets, and so on. White box cryptography protects the cryptographic functionality of these open devices’ many programs. Search devices are used to conduct different monetary transactions and affect outlook personal information, therefore safeguarding its cryptographic implementation is critical.
  • White box cryptography can replace physical labor while also providing multitasking. White box cryptography takes the role of higher-level software engineers who might have done the job of safeguarding the cryptography instead of the white box. However, cryptography effectively provides this safety, making it cost-effective for businesses.
  • Every day, we utilize hundreds of software programs on our smartphones, both online and offline. Android applications have become a daily need, ranging from food delivery to cab services. This is the essential need for making payments, and white box cryptography saves and protects confidential sensitive data from being exploited by third parties or hackers.

Conclusion

The preceding discussion helps you understand the significance of cryptography. Simply utilizing an app will not be beneficial if it cannot be used with security and safety. The majority of the applications we use nowadays are tied to our financial transactions and contain a significant amount of personal data such as phone numbers, email addresses, and private photographs in signatures which calls for the need for Appsealing. All of these elements are linked to high privacy and security. We cannot reasonably put such private material on the Internet where it might be exploited and dealt with irresponsibly. Enders are working with efficiency and efficacy, hence the requirement for a dependable cryptographic tool is critical.

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What Are the Benefits of an Extended Car Warranty?

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If your car is still relatively new, you may be wondering if you need an extended car warranty. After all, the manufacturer’s warranty is probably still in effect. An extended car warranty is an insurance policy that covers the cost of repairs to a vehicle for a longer period of time than the manufacturer’s original warranty. Many people choose to purchase an extended warranty because they believe it will save them money in the long run. An extended warranty can be purchased through the dealership where you bought your car or through a third-party company.

There are several benefits to purchasing an extended car warranty. Additional coverage can provide everything from peace of mind and money savings to helping you retain the maximum value of your car. Keep reading to learn more about extended car warranties and whether or not you need one.

Peace of Mind

When you have an extended car warranty, you can get peace of mind that you are protected against the expense of an unexpected mechanical issue with your vehicle. If something goes wrong with your car, you can take it to the shop and know that the costs of the repair will be taken care of. An extended car warranty is an insurance policy on your vehicle, and it acts as a safeguard against expensive, unforeseen repairs. Many feel that the peace of mind and protection afforded by an extended warranty is worth the cost.

Custom Options

One of the great things about extended car warranties is that they are often customizable. You can choose what level of coverage you want and what sort of deductibles and co-pays make sense for you. This means that you can tailor your extended warranty to fit both your budget and your driving habits.

For example, if you only drive your car a few thousand miles each year, you might not need as much coverage as someone who drives their car every day. Or, if you are willing to pay a bit more out-of-pocket for repairs, you could choose a policy with a higher deductible.

Similarly, if you know that you are likely to need repairs for an aging car, you might choose a more comprehensive policy. On the other hand, if you have a newer car, you might feel comfortable with a less comprehensive policy.

The bottom line is that extended car warranties give you the flexibility to choose the level of coverage that makes the most sense for you. And, because they can be customized, they can offer great value for the money.

Maximized Resale Value

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An extended warranty is great for peace of mind. But did you know that an extended warranty can also help you maximize the resale value of your car? In many cases, an extended warranty is transferable. This means that if you sell your car before the warranty expires, the new owner will be able to take advantage of the coverage. This is a big selling point for used car buyers, as they know they won’t have to worry about expensive repairs for a while.

An extended warranty can also be used as a negotiation tool. If you’re selling your car and the buyer is haggling over the price, you can offer to include the extended warranty in the deal. This will sweeten the pot for the buyer and help you get closer to your asking price.

Including an extended warranty in the sale of your car can also help you sell it faster. Buyers are always looking for peace of mind, and an extended warranty provides just that. So, if you’re thinking of selling your car, remember that an extended warranty can be a valuable tool in helping you maximize its resale value.

Reduced Stress and Hassle

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An extended car warranty can provide reduced stress and hassle when your vehicle needs repairs. If you have an extended warranty, you can simply take your car to the dealership or authorized repair shop and have the repairs covered. You won’t have to worry about the cost of repairs, as the warranty will take care of it. This can be a big relief, especially if you’re on a tight budget.

Overall, the benefits of an extended car warranty are vast. From saving money on costly repairs to increasing the value of your car, an extended car warranty can be a valuable investment.

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SS Jemal’s CENTRAL Project – Setting a New Benchmark for Affordable Luxury Housing in New York

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New York is perhaps the most wildly popular metropolitan city worldwide. It is home to the Statue of Liberty, Times Square, the Empire State Building, and Central Park, among many other famous landmarks. However, what truly fascinates people is the city being a land of opportunities.

SS Jemal, an honorable citizen of the United States

SS Jemal – Making Luxury Lifestyle Apartments Affordable

That said, finding an affordable place to live in New York is next to impossible. The real estate prices are sky-high, almost as high as the skyscrapers that dominate the city’s skyline. Even the upper-middle class is forced to live on the outskirts of boroughs such as Manhattan. The rent is so steep that you could get an entire house in other states for the same price as a dilapidated one-bedroom apartment in New York.

New York is also one of the most densely populated cities in the world, and there is a constant demand for good quality yet affordable living quarters for students and other people coming here for opportunities. Despite the continuous demand in the market for years, no real estate company has been able to fulfill the requirement.

This is where SS Jemal steps in. As a visionary real estate developer, he capitalized on the window of opportunity immediately, and the idea of CENTRAL was born.

The Idea Behind CENTRAL

CENTRAL has been devised to solve all the real estate problems of the working class. You will no longer have to wait out the best years of life living in an apartment in bad shape until you have saved enough to rent a better apartment. SS Jemal’s project is based on the need to balance out the disparity that exists between the working class and elites.

CENTRAL presented by JemRock Organization

CENTRAL and JemRock logo

CENTRAL‘s trademark slogan is ‘Live, Work, Be Well’, and its entire ideology revolves around this slogan. It is made for people who work all day and then come home to kick back and relax. The handsome salaries they earn should be enough to maintain high living standards. The condos and apartments being built by Jemal under the umbrella of this project are complete will all amenities and facilities that were previously only accessible to the socialites – a private gym, , work/business centers, rooftop decks, entertainment areas,  restaurants, and bars.

Early Life and Professional Journey of SS Jemal

New York has always been home to SS Jemal. Not only was he born and raised in Brooklyn, but it is also the place where he started his first job. At ten, SS was already working alongside and being fully trained by his father, Norman N. Jemal, at his discount store in Harlem that had an electronics consession which fascinated him. He was quick to learn the art of business, and by the age of 14, he had helped expand his family business to three stores. This marked the beginning of SSJ’s inspiring journey.

In 1976, SS Jemal opened up the first branch of the renowned “Nobody Beats The Wiz” chain in Downtown Brooklyn. Soon afterward, the Wiz brand became a nationwide phenomenon, as SSJ opened up over a hundred stores across six US states. After the success of his flagship stores, SS Jemal entered New York’s real estate market by establishing his own in-house construction company. His first project involving working on retail shopping centers and over the ensuing decades stretched across 20 million sq. ft., which featured The Wiz as the anchor tenant and was an instant success. SS Jemal took great interest in the project, from the planning to the completion stage, learning everything about the construction business. The following year, Stephen made an important life decision and sold off his “Nobody Beats The Wiz” chain to devote all his time and focus on his real estate business. In 1997, SS Jemal began working on a prestigious waterfront development project, Roosevelt Island’s Southpoint, where he got the opportunity to gain knowledge of the state’s zoning rules and regulations.

While his real estate business flourished, SS Jemal’s social life was also at its peak. He charmed New York’s elites and business circle with his wit and striking personality. He made friends with the industry’s leaders and top realtors, establishing a solid reputation as an honorable citizen of the United States, and really built up his network of professionals and contacts at the top level of New York City.

SS Jemal

SS Jemal – the famous real estate developer

SS Jemal established his trademarked brand, “The Riviera,” next and took his waterfront development business to the next stage. He acquired waterfront properties in Brooklyn, Bronx, Manhattan, Queens, etc. He continued working on waterfront real estate projects for the next fifteen years and became an undisputed champion in this area.

Building CENTRAL’s Core Team

After the idea of CENTRAL took shape in his head, SS Jemal worked alongside his son, Norman S. Jemal, Member and COO of JemRock Organization, to put together a team of experts who understood and supported his mission and would put his plan into action.

CENTRAL will kick off in Manhattan, where the demand for affordable housing is currently at its peak. CENTRAL‘s core team consists of builders who have previously constructed penthouses and luxury condos in Manhattan; only this time, they will do it at a bargain.

The reason SS Jemal is able to construct high-end luxury apartments on a budget is that he is converting already existent magnificent buildings all over Manhattan and not doing expensive, time-consuming ground-up development. In partnership with Alex Elkin of Eastbound Construction, whom is merging into JemRock, they will be  procuring lower-cost quality items by purchasing them in bulk and directly from the manufacturers and will be building everything at wholesale pricing as opposed to retail. JemRock, with the vastly experienced Eastbound team will be personally managing every aspect of this massive construction initiative to save time, expand control and save cost.

The tightly knitted core team handles the project in an organized manner so that there are minimum delays and each project can be expeditiously completed.

After all, SS Jemal and Norman are reaching for the stars, and if anyone can accomplish this, it’s SS Jemal and his world-class team.

The Current Status of the CENTRAL Project

At present, SS Jemal and Norman S. Jemal are working on launching CENTRAL for New York residents and looking forward to celebrating its success. After completing the first phase of CENTRAL, SS Jemal has plans to launch the project nationwide at first, then globally.

It is safe to say that the CENTRAL project is nothing short of history in the making. It gives working-class New Yorkers a chance to fulfill their dream of living in a luxury apartment. And just like The Wiz; Let’s wait, watch and wow and see how the Jemal’s great dream becomes a reality-again!

Stay tuned to this platform for more news and updates on SS Jemal’s real estate journey.

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