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Exam Code: 9L0-509 Practice exam 2022 by team
Server Essentials 10.5
Apple Essentials Questions and Answers
Killexams : Apple Essentials mock test - BingNews Search results Killexams : Apple Essentials mock test - BingNews Killexams : Hidden iPhone Tricks That Will Make Your Life Easier

Starting in iOS 16, when it’s released later in 2022, the Hidden and Recently Deleted photo albums will prompt for your passcode to view the contents.

Delete Old Screenshots

While tapping on the Albums section in the Photos app and scrolling down to get to Hidden, you may have noticed other types of media that the app automatically separates out for you. Cleaning out old screenshots or screen recordings by tapping on those sections may be a simple way to free up some more storage. It’s also a quick way to remove random junk from cluttering up a library of memories.

Remove Apps From the Home Screen (Without Deleting Them)

I’m a minimalist with an app problem. I love trying new apps, especially writing and to-do ones, but I quickly find myself with dozens of home screens or needing to manage dozens of folders full of apps. Instead, I’ve taken to deleting them from sight.

If you long-press on an app and then select Remove App, a dialog box will supply you the option to Delete App or Remove From Home Screen. If you remove the icon from your home screen it will still appear in the App Library (swipe left until you reach your App Library). You can always add it back to a home screen later by doing the reverse. Find the app in the App Library, press and hold on it, and then select Add to Home Screen.

Rearrange the Home Screen in Seconds, not Hours

Similarly, if you want to organize your home screen layouts, you can move whole screens of apps without moving individual icons. On the Home Screen, tap and hold the dots along the bottom that represent the number of screens you have. The icons will jiggle for a moment and then you will see all your home screens. You can uncheck ones you no longer want to see or you can move each rectangle around to reorder them.

Pin Messages From Friends So They Don’t Get Lost

Within Messages, if you tap and hold on a group or individual message a few choices will pop up, including Pin. Select that and that message thread will get stuck on the top, above all the other messages, including new, incoming ones. You can do this with several people or groups, and it makes it much easier to find the people you talk to the most.

Quickly Lock Your Phone for More Security

If you’re panic about being compelled by authorities to unlock your phone with biometrics, there is a way to disable Face ID and Touch ID quickly. For iPhone 8 and later, press and hold the button on the right and either of the volume buttons at the same time for about two seconds.

Doing this will bring up a screen to power off the phone, see Medical ID or get to Emergency SOS. Bringing up this screen will also disable biometrics so that your passcode needs to be reentered to get into the phone.

Sat, 06 Aug 2022 00:00:00 -0500 en-US text/html
Killexams : Honda City 4th Generation Questions and Answers


Service lane

Aug2, 2019I had purchased a Honda city/Grace in India Nov 2018. Now the car has been completed 17500 KMS.It’s happened last night while driving. I was on red light after a trip of approx. 100 kms in the same date. I stopped the engine on red light for save the fuel. The red light changed into green and I pushed the start button with clutch, however the car wasn’t start. The battery was giving the power and the motor was rotating but the engine wasn’t start. I tried it several time, but the engine didn’t start.The cops were come to me and help me to bring the car on a service lane. Then I called to service center of Honda locally. He replied, now the time is 7:30 PM (IST - India) and the service center has been closed, however you can bring your car at service center and will help you in morning, I said its ok. I asked again him, what should I do in this situation? He said please call a local mechanic, he may check the normal faults. There may be some fusing or some other small problem. During searching of local mechanic, I tried to lock the car by automatic key, but the sensors weren’t working.Then I call a local mechanic, he check it. He told, the fuel motor isn’t injecting the fuel into the engine. He requested me please put some fuel, may be the fuel tank is showing the fuel, and didn’t have.I put the fuel of Rs 500/- in Indian rupees approx. 6-7 letter petrol. But the problem was the same. Then he told there is major problem, please call to service center or I can also fix it but I take it to my service center. I refused it and supply him his service fee.Then I was waiting the Crane, It will tow the car to Honda service center.After an hour, While waiting I pressed the key lock button, but the car wasn’t locking. However I was still trying the Key and pressing the button, after 5-6 try suddenly the sensors start working, I thought may be the car start. Then I sit on driving seat and press the button with clutch. The Car started, then I drove it and brought to was too shameful for me, i had invested that much amount and a new car stopped on road.The problem was in fuel inject motor. this is a associated problem in all honda city car (new or old) and also in AMAZE too (confirmed by service dealer)

Thu, 25 Feb 2021 23:30:00 -0600 en text/html
Killexams : Smart Money Podcast: Questioning 50/30/20, and Company Stock

The investing information provided on this page is for educational purposes only. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions.

This week’s episode starts with a discussion of the 50/30/20 budget — why it works and how to use it as prices soar.

Then we pivot to answering a few listener questions about company stock.

Check out this episode on any of these platforms:

Our take

When the 50/30/20 budget doesn’t work

The popular 50/30/20 budget has received some scrutiny lately as inflation has driven up the cost of almost everything, from food to housing.

With this budget system, 50% of your after-tax income pays for essentials, 30% is for wants, and 20% goes to savings and extra debt payments. But those essentials — food, housing, utilities and gas — are becoming more expensive.

As such, adhering to the 50/30/20 budget is simply impossible for some people — at least right now. According to the U.S. Census Bureau, 23% of American renters spend more than half of their gross incomes on rent, and nearly half of renters are spending more than 30%. And those living on a fixed income can find the 50/30/20 budget challenging, too.

If your numbers don’t perfectly align with the 50/30/20 budget, remember that it’s merely a recommendation. If you’re struggling to afford necessities, consider what changes you could make to live a more financially sustainable life, including moving to a more affordable area.

Got equity? It’s complicated.

Company equity can be valuable, but it’s important to understand the fine print. You might begin by figuring out what type of equity — employee stock options or restricted stock units (RSUs) — you have. If your equity is in the form of RSUs or incentive stock options (ISOs), you’ll also want to know the details of your company’s vesting schedule.

You’ll be taxed differently depending on the type of equity you own. For example, RSUs count toward your taxable income and are usually taxed when the stock vests. ISOs aren’t taxed when granted, upon vesting or when exercised, but they may be subject to the alternative minimum tax.

Decisions about buying and selling stock will depend on the company, your risk tolerance and your financial goals. A financial advisor or tax professional can help you sort through the jargon and understand the financial implications of owning equity.

Our tips

Understand what type of equity you own: You have to purchase stock options, but restricted stock units simply become yours after you’ve been with a company for a certain period of time.

Plan ahead for taxes: If you are lucky enough to have equity, figure out a plan. Selling shares at the wrong time can trigger costly tax consequences.

Talk to a tax professional or financial advisor: Equity can be complicated, so it can be helpful to get advice from an expert who understands your unique financial situation.

Have a money question? Text or call us at 901-730-6373. Or you can email us at To hear previous episodes, go to the podcast homepage.

Episode transcript

Sean Pyles: ISOs, NSOs and RSUs — companies offer their workers an alphabet soup of stock, and regardless of whether they make you rich, all of them have tax consequences.

Welcome to the NerdWallet Smart Money podcast, where we answer your personal finance questions and help you feel a little smarter about what you do with your money. I'm Sean Pyles.

Liz Weston: And I'm Liz Weston. To send the Nerds your money questions, leave us a voicemail, or text us on the Nerd hotline at 901-730-6373. That's 901-730-NERD. You can also send your voice memos to

Sean Pyles: Follow us wherever you get your podcast to get new episodes delivered to your feed every Monday. AND If you like what you hear, please leave us a review and tell a friend.

Liz Weston: In this episode, Sean and I answer some listeners' questions about investing in your own company's stock.

But first, in our This Week in Your Money segment, we're talking about the 50/30/20 budget, and whether it still makes sense in a world of high housing costs and inflation.

Sean Pyles: I think we should start by giving a quick rundown of the 50/30/20 budget. So in a nutshell, you take your after-tax income, and 50% goes to must-have expenses — things like shelter, food, transportation, minimum loan payments, insurance, etc.

And then 30% goes to wants — that's clothes, eating out, vacations, travel with your friends. And then 20% is supposed to be allocated toward extra debt payments and savings.

Liz Weston: The way I usually think of must-haves are the expenses that you can't put off without having serious consequences.

Wants are things you can put off without major problems. But if you don't pay your landlord, serious consequences are going to happen.

It's understandable with prices rising, with rents going through the roof — a lot of people have the question of “will this still work?”

Sean Pyles: Right. Well, it makes sense, because there's some information from the U.S. Census Bureau that shows just how expensive things are for a lot of folks out there.

Twenty-three percent of American renters spend more than half of their gross incomes on rent.

And nearly half of renters are spending more than 30%, which officially qualifies them as cost-burdened. That's according to the U.S. Department of Housing and Urban Development. HUD says that people who spend that much may have difficulty affording necessities, such as food, clothing, transportation and medical care.

If so many people can't make the 50/30/20 budget work, does that mean that the budget is unworkable entirely?

Liz Weston: I hear that question a lot. And I think to answer it, we really need to go back to the genesis, where it came from. People might not know that the 50/30/20 budget was actually created by Elizabeth Warren. She is now a senator. She was a former presidential candidate. You've probably heard her name.

But she and her daughter wrote a book called “All Your Worth” that describes this budget. And in her previous life, Warren led the Consumer Bankruptcy Project at Harvard University. And she researched how and why Americans were going broke, why they kept filing for bankruptcy.

What she found was that rising living costs and stagnant incomes were causing people to stretch farther and farther to cover the basics. And that left them with two little left over to save for the future or pay off debt.

She also wrote about this in another book called “The Two-Income Trap,” where she noted that people were trying to get into good school districts, and the housing in those districts were getting more and more expensive on top of the fact that medical care and college educations were going through the roof as well. All these things used to be affordable on one income and now require two.

With all those challenges, Warren thought that by limiting our must-haves, that will supply us more wiggle room so that we can save, get out of debt and enjoy our life simultaneously.

And having the must-haves — your basic expenses — limited to half of your income also makes it easier if you lose your job. There's less of a nut to cover.

Sean Pyles: Yeah. And a lot of folks can think of the 50/30/20 budget as prescriptive, as something that you have to follow. Otherwise, you're not managing your money well.

In reality, for most people, it can be a really good guideline. But for some folks, it's just not realistic.

Liz Weston: Yes. It works on many incomes, but not every income. If you have a super low income, you might not even be able to cover the basics with 100% of your income. People with very high incomes may have basics that are well below 50%.

And when I first came across this budget, our must-haves were something like 80% of our income. It took a while to get it down to 50% and make all this work.

So I understand that when people first encounter this, they may think, "Oh, there's no way that I can do this."

The whole point, though, is to try to get a budget that is balanced, that isn't all one thing or all another, that doesn't cause you to go into debt every month.

And it's something that you can work towards. You don't necessarily have to be exactly according to those guidelines all the time.

For me, I was just so delighted when I came across this, because until that point, people kept asking me, "Well, what should I spend on X, Y or Z?" The answer is: It depends. Everybody's situation is so different. But this general guideline seems to work for a lot of people.

Sean Pyles: I think a lot of people are in the situation you described when you first started using the 50/30/20 budget — where you have a decent income coming in, but your expenses take up more than half of your income.

How do you whittle that back? Because the approach of, “Oh, just move to a cheaper city. Oh, just find a less expensive apartment” isn't easy or realistic for many people.

Liz Weston: Yes, exactly, and it takes a lot of doing. I think the effort is worth it to get a more balanced budget, but for a lot of people it's going to involve making more money. That's what happened with us.

And that's not something that everybody can do. If you're on disability income, if you're not able to work, if you're in an area without a lot of possibilities, this can be really tough.

But if you're in an area where the cost of living is way out of reach for you, it's going to continue to be like that. There is no budget that's going to make it work. So making those big changes may be what's necessary for you to get a more balanced budget and a more balanced life.

Sean Pyles: Right. Well, the key to any budget is getting all of your expenses to add up to less than 100% of your income so that you do have money to save and pay off debt.

Liz Weston: Yeah, exactly. You may be in a situation where you think, "OK, I'm willing to do must-haves that eat up 70% or 80% of my income for a while, and then down the road, we're going to be in a different situation where we don't have to do this," and I totally get that as well.

Sean Pyles: Well, there are trade-offs in both directions. For a while, my partner and I lived in San Francisco. And we did that when we were in our early- to mid-20s, and that helped us get on the professional tracks that we're on today.

Then once we were established, we looked at our money and realized we can't sustain this and save money at all. So we moved to a less expensive area, and that's allowed us to get more balanced with our budget and actually save money and build our wealth over time.

Liz Weston: Yes, and that is an ideal way to approach this — is to be realistic about where you are, what's coming in and what's going out.

And it goes back to the Ben Franklin-era advice about how important it is to live below your means. It just means that you are going to have so much more flexibility to be able to deal with life. It's going to cause you a lot less stress, and it really is worth it — whatever budget you wind up using.

Sean Pyles: Mmm hmm.

Liz Weston: OK. Well, let's get onto this week's money question.

Sean Pyles: Let's do it. This episode, we are answering a few questions about company stock and stock splits. And to help us talk through these topics, we are joined by investing Nerd Alana Benson. Welcome back to Smart Money, Alana.

Alana Benson: Hey guys. Thanks for having me.

Sean Pyles: Great to have you on, as always. Before we get into these three money questions, I have a quick disclaimer, of course, and it is that we are not financial or investment advisors, and we will not tell you what to do with your money. This discussion is for general educational purposes only.

Liz Weston: And let me underline this: You really need to get personalized advice from a tax pro if you're dealing with this stuff. It's very complicated, and there are just aren't any-one-size-fits-all answers.

Sean Pyles: As you will hear with the first question, it is thorny and technical. Let's just dive right into it and see how it goes. Here's the first question, which came from a listener's email:

"For the first time in my life — and I'm 50 years old — I've joined a publicly traded company where they issue company stock as part of their annual bonus package. I understand that I invested gradually over a five-year period, but my understanding stops there. What should I do with these RSUs as they are vested? And if I do anything with them, will I be taxed?"

OK. Alana, let's talk first about why companies issue stock as part of a compensation package.

Alana Benson: Employers use stock and stock options as a way to attract and retain their employees. Usually, these packages only start becoming valuable after a certain amount of time, so you won't fully get the total value until after their vesting period. And that's where it comes in as a way of retaining employees.

Sean Pyles: Mmm hmm. It's a promise of future money.

Alana Benson: Exactly.

Sean Pyles: Potentially.

Alana Benson: Potentially. It's a really big asterisk on that one.

Liz Weston: We've all heard stories about people getting fabulously rich off of stock options or company stock. That's not really the norm. But getting a slice of equity can be a nice perk if the company does well.

Sean Pyles: Yeah, which is another big “if” — if the company does well.

Let's also talk about how vesting schedules work. Can you supply us a rundown, Alana?

Alana Benson: It gets complicated. If you don't understand it right away, that's OK. It takes a couple of read-throughs or listen-throughs.

But vesting is basically when you have the right to a benefit. With incentive stock options — or ISOs — you're earning the right to exercise and buy the stock over time. And if it's stocks or RSU, it's when you actually get the stock.

Just because you are maybe granted a schedule that says that you will get stock, that doesn't mean that day one when you start with a company that stock is yours.

Alana Benson: Vesting schedules can have a lot of variation, so you really need to read your paperwork and make sure that you know the particulars of your own vesting schedule.

One thing that some of them have in common is what's called a cliff, and that's a length of time that a person has to work at the company before the vesting schedule starts.

So maybe you have to work at your company for a full year before any of your stock actually starts to vest. And a lot of times, this vesting only happens if you work for the company. So if you quit or get fired, a lot of times that equity is out the window, and you likely won't get any of it.

Sean Pyles: Mmm hmm. Which is how these can be great retention tools, because the vesting schedule is often fairly gradual, and you have to be a part of the company to be able to have your stock options, stocks or RSUs actually vest.

Alana Benson: Exactly. A pretty common vesting schedule is vesting over four years with a one-year cliff. So that one-year cliff, again, means that you have to wait a year before you get anything.

After that first year, you'll get a chunk — say maybe 25% — then you slowly earn the rest of the grant over time, usually at a rate of about 2% each month.

You can start to see how this could be used as a retention tool where maybe someone's considering quitting, but then they say, "Oh well, if I just wait until this date, I'll have more of stock vest." That works over time.

Sean Pyles: Mmm hmm. So far we've been talking about stock options and RSUs. I think it would be helpful for us to supply our listeners a quick explainer of each of these.

Alana Benson: Yes. There are several different kinds, so it does get complicated. The first one we're going to talk about is employee stock options. These allow you to buy a certain number of company shares at a specified price during a specified time, and that's usually at a discount.

There's different kinds. There's NSOs, which are non-statutory stock options, and ISOs, which are incentive stock options.

There's a couple of differences, but mainly: ISOs are issued just to employees, whereas NSOs can be granted to outside service providers. Sometimes it's people on the board of directors or advisors, folks like that.

ISOs have better tax treatment, and a lot of times those may be more favorable. But again, there's lots of smaller differences.

Another more popular — or becoming more popular — kind of employee stock is restricted stock units, or RSUs. These are similar to stock options, but you don't actually have to purchase them.

With stock options, a lot of times, you're granted this ability to purchase them, but you still have to actually pay for them. With RSUs, they just become yours over time as they vest, which makes them a lot more attractive, because you don't actually have to pay anything for them.

Sean Pyles: Yeah. It streamlines the process in a way. And our listener is wondering about the tax implications of RSUs. What do you think they should know?

Alana Benson: With RSUs, you're typically taxed when you actually get the shares, which is almost always when they vest. The value of your shares is added to your taxable income. And you're paying ordinary income tax rates, plus social security and Medicare taxes. And in a high-tax state like California or New York, you could easily pay 40% or more when your RSUs vest.

Some employers offset those taxes, and some don't. Again, you'll just have to look at the paperwork for your individual equity allowances.

Liz Weston: All right. Now our next question comes from a listener's email. It says:

"Hi Nerds. I work at a startup, and I was granted 12,000 stock options on a four-year vesting schedule. I've been with the company about two years, which would mean I could execute up to half. My strike price is 30 cents, so I can afford to do it, but it's a significant expense.

My company is still a few years away from a liquidity event where I would be able to sell this stock."

Is buying early a good tax strategy? I've been studying about the alternative minimum taxed and getting taxed as long-term capital gains instead of income, but I'm not sure how it all works. I'm pretty personal finance savvy, but there's not a lot of info out there for startup employees.

Would love to hear a podcast episode to help those of us who staked a lot working at a startup and might be risking a big tax bill in our futures. Thanks."

Sean Pyles: Well, we are here to help you, dear listener. Alana, our listener threw out a number of terms that folks might not be familiar with, including “liquidity event” and “alternative minimum tax,” or AMT. Can you break down what these mean?

Alana Benson: Absolutely. But first, I just want to really reiterate what Liz was talking about — getting help from a tax professional.

It sounds like this person is just wanting to know if this is a good tax strategy, and there's just so many other factors when it comes to each individual person's situation and whether exercising is going to be a good idea for them.

If something is going to be a significant expense, what does that mean for each individual person? Are you not going to be able to pay certain bills? Or does it just mean that you're cutting into a vacation budget? I think that there's maybe not as much emphasis on those kinds of things as there should be.

So really, we cannot say this enough: If you have these questions, speaking with a tax professional may just be your best bet, because they can get really deep into your own personal situation.

Sean Pyles: Yeah. And often when it's your first time thinking about company stock, if you have access to it, you don't know what you don't know.

But a tax professional or a fiduciary financial planner will know what you don't know and will help guide you through this tricky area, so that you can make the right financial decision for your own personal goals.

Alana Benson: Exactly. But let's get into those definitions. Remember that incentive stock options, or ISOs, supply you the right to buy your company's stock at a discount. The strike price is what you're going to pay to buy the stock.

And a liquidity event is when you can actually sell the shares, for example: an acquisition, a merger, initial public offering like an IPO, or any other action that allows founders and early investors in a company to cash out some or all of their ownership shares.

Sean Pyles: Now let's talk about the alternative minimum tax, which is, I think, peak jargon when it comes to company stock and all that goes into this. Can you supply us a breakdown of what this is?

Alana Benson: Yeah. The alternative minimum tax is a tough one. It was designed to make sure that wealthier people couldn't completely escape taxation.

But non-wealthy people can face the alternative minimum tax in some circumstances. And one of those is when they exercise incentive stock options, or ISOs.

The difference between the price you pay and what the stock is worth at the time you buy it is basically considered income under the alternative minimum tax rules.

People don't have to worry about alternative minimum tax if they exercise their options and then immediately sell the stock. It's only when they buy the stock and don't sell it in the same year that this tax comes into the picture.

Sean Pyles: All right. Why would anyone volunteer to pay the alternative minimum tax?

Liz Weston: Because it could pay off in the long run if the stock really takes off. And that's because you can qualify for more favorable capital gains tax rates down the road if you've owned the stock for long enough.

By long enough, I mean it's been at least two years from the grant date, which is when the options were given to you, and one year from the date that you exercised or bought the stock.

So people may do this if they're in a high tax bracket and the stock is super cheap, and they can tie up their money for a while.

But there's a big risk, because the stock could also tank. We've talked about buying the stock at a big discount, but there's no guarantee that these options will be worth anything.

The stock price could plummet either before you get a chance to buy it or afterwards. So you really do have to believe in the long-term prospects of the company and be willing to gamble a bit.

Sean Pyles: Yeah. And given the way the stock market has behaved so far this year, I'm betting there are a number of folks who made such a gamble and are maybe regretting it a little bit.

And I'm also going to say this is part of why we talk about investing for the long term, and not investing money that you think you will need within five years, because the stock could go down. And then you might feel like you're out money.

If you are regretting that, or it hurts you financially, that might mean you invested money that you maybe should have put toward an emergency fund. Just a little thought there. But …

Liz Weston: Yes.

Sean Pyles: I also want to throw out that folks should realize that by working for a company, they are already invested in a pretty significant way by spending a lot of their waking hours working for that company.

Some tax advisors might suggest that you think about diversifying your investments and not purchase a large amount of stock for the company that you work for.

Alana Benson: If you are heavily investing in one company, whether it's your own company or another company, then that might throw your portfolio out of the allocation that you would like it to have.

If you want to be mostly invested in well-diversified, low-cost funds, then investing very, very heavily in company stock might tilt you out of that allocation, and might create more risk than you're comfortable with.

It's good to think of your entire investment portfolio holistically and how adding this type of company stock will affect the rest of your balance.

Liz Weston: And again, your other alternative if you don't want to buy the stock and hang onto it, is simply wait for that liquidity event.

That way you can buy the stock at that time and sell it immediately. You'll be subject to ordinary income tax rates, but that might be a better deal for you than locking up money. It all depends on your situation.

Sean Pyles: Right. OK. Well, now let's get onto our third and final question, which comes from a listener's text message. It is:

"What is a stock split? How does it benefit people investing and customers? Should I invest before or after the stock split?"

All right, Alana, more jargon for you to decipher for us. Can you explain what a stock split is? And why do companies do this?

Alana Benson: Stock splits are essentially the way that a company can increase the number of available shares while lowering its share price. This makes a higher-cost stock more attractive to smaller investors, and it means they may actually be able to get in on it.

We're going to explain this using my favorite method, which is pizza. If you just imagine a company's value as an entire pizza, its stock starts trading, and say there's four slices, because that math makes it easy for us.

If there's four slices, we’re going to have a pizza stock split. And then all of those slices are going to get divided once again.

We still have the same amount of pizza. And if you owned one slice or one quarter of that pizza, now you own two slices. It's, value for value, the same metric amount of pizza, but you're getting two for one.

Sean Pyles: OK. What are the benefits of a stock split?

Alana Benson: Your portfolio could see a benefit if the stock continues to appreciate over time. Studies show that stocks that have split have gone on to outpace the broader market in the year following the split.

But then again, past performance does not guarantee future performance. There's no saying that that will happen again.

Liz Weston: Stocks splits can signal that a company thinks it's got a lot of growth in the future, and it's trying to attract investors. So that could be a good sign.

But does investing before or after the split make a difference?

Alana Benson: Stock splits don't necessarily make a company’s shares any better than they were before the split. But a stock may be more expensive before a split.

So if investing before made things financially tight, after the split, it might make it more manageable. If a stock is $100 before a split, and then it's $50 — and $50 is an easier purchase for you than $100 — then that makes a financial difference.

I think it can be attractive to try and get in on as much company stock as you can, because like you said, we've heard all these stories about people becoming billionaires, because they invested in company stock.

But there is a lot of risk involved, especially if you're putting money up for stock that maybe should be better spent in an emergency fund or going toward your necessities.

Sean Pyles: Right. All right, Alana. We just waded through three pretty complicated listener questions.

Do you have any final thoughts around company stock or how people should think about this situation?

Alana Benson: I think one of the most important things to think about, like we've said, is your own financial situation and your faith in your company. If you really believe that your company can go the distance and become bigger and better and more profitable over time, that's a really good indicator to you.

But if you're at a company where you're saying, "Man, I don't like my team or my manager. I don't understand the strategy. There's no communication," those are all pretty good indicators that that company may not be the healthiest.

Those are all things to keep in mind as well, because you're betting on the success of this company. So if you don't think it's going to do well, you should maybe listen to that instinct.

Liz Weston: We should also talk about the fact that we as human beings tend to value what we are familiar with and it. And it can be really tempting to think, "Oh, my company's got this great future. I'm going to go all in."

But as Sean mentioned earlier, you've already got your livelihood hanging on this company. And you might not be privy to everything that's going on around you or in the company. And you can't predict what the future's going to be.

If you are optimistic about your company, that's awesome. Just make sure that you counterweight that with the understanding that you don't want to have all your eggs in one basket.

Sean Pyles: Before you make any rash decisions, please do talk with a tax professional because this stuff is complicated.

Liz Weston: Yes.

Sean Pyles: OK. Well Alana, thank you again for joining us.

Alana Benson: Thank you for having me.

Sean Pyles: And with that, let's get onto our takeaway tips. Liz, will you start us off, please?

Liz Weston: Yes, absolutely. First, there are multiple different types of equity. Stock options, you have to purchase. Restricted stock units, you don't.

Sean Pyles: Second, don't make taxes an afterthought. If you are lucky enough to have equity, figure out a plan. Exercising at the wrong time can trigger some costly tax consequences.

Liz Weston: Finally, equity can get complicated. Take your time, read the fine print and enlist the help of a tax professional or financial advisor.

Sean Pyles: That is all we have for this episode.

Do you have a money question of your own? Turn to the Nerds, and call or text us your questions at 901-730-6373. That's 901-730-NERD. You can also email us at, and visit for more info on this episode.

And remember to follow, rate and review us wherever you're getting this podcast.

Liz Weston: This episode was produced by Sean Pyles and myself. Our audio was edited by Kaely Monahan.

Here's our brief disclaimer, thoughtfully crafted by NerdWallet's legal team. Your questions are answered by knowledgeable and talented finance writers, but we are not financial or investment advisors. This Nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.

Sean Pyles: With that said, until next time, turn to the Nerds.

More From NerdWallet

Jae Bratton writes for NerdWallet. Email:

Liz Weston, CFP® writes for NerdWallet. Email: Twitter: @lizweston.

Sean Pyles writes for NerdWallet. Email: Twitter: @SeanPyles.

The article Smart Money Podcast: Questioning 50/30/20, and Company Stock originally appeared on NerdWallet.

Mon, 25 Jul 2022 04:00:00 -0500 en-US text/html
Killexams : Best Prime Day Apple Watch deals still available in 2022
Prime Day 2022 Apple watch deals graphic.

Looking for an Apple Watch? You’re in luck — although Prime Day has finished, the deals are still on. We saw fantastic Prime Day deals this year, but there are still many hot buys, especially for Prime Day Apple Watch deals. Make sure to pounce on and buy a deal if you want to get the best Prime Day smartwatch deal, since stock won’t last forever. Other retailers have strong discounts too, with the best Best Buy Prime Day deals and the best Walmart Prime Day deals lined up for your action.

Apple Watch SE — from $219, was from $279

The screen of the Apple Watch SE showing its apps.
Andy Boxall/Digital Trends

Why Buy

  • Plenty of fitness features
  • Easy to check notifications
  • Highly customizable
  • Great display

The Apple Watch SE is the best Apple Watch for most people. It’s cheaper than the Apple Watch Series 7 while still being packed full of all the essential features you could need. The Apple Watch SE and Apple Watch Series 3 have previously been considered the budget Apple Watches but now the Series 3 has been retired, it’s simple to go straight for the Apple Watch SE. It offers a 30% larger display than the older model while being twice as fast, and its lower starting price means it’s a great smartwatch to grab during the Prime Day Apple Watch deals.

It’s highly customizable too, with the best Apple Watch bands and best Apple Watch cases keeping it looking great. Throw in one of the best Apple Watch faces, and the Apple Watch SE will feel unique to you. None of that would matter if it were useless, though, so luckily it has extensive fitness tracking along with app support. Users are able to monitor and measure all their favorite workouts from running to yoga or any kind of weight training. At all times, the watch keeps an eye on any irregular heart rhythms, giving you a heads up if something happens. There’s also extensive sleep tracking. And for those who are unsteady on their feet, fall detection can also be a massive help.

Every day, the Apple Watch SE encourages you via its activity rings system, motivating you to walk more, stand up more often throughout the day, or simply be able to track your activity levels. A steady stream of rewards gives you motivation, too. When you’re enjoying downtime, your Apple Watch SE is also able to send a text, make a call, help you listen to music, or use Siri from your wrist. It saves you needing to pull your iPhone out often while still being very convenient. It even saves you logging into your Mac, with the watch working as a means to unlock it as needed. For iPhone owners, it’s hard to stress just how practical yet motivational the Apple Watch SE is. If you only grab one thing during the Prime Day Apple Watch deals, make it this watch.

Check Prices

Apple Watch Series 6 (Renewed) — $224, was $370

Andy Boxall/Digital Trends

Why Buy

  • Still a powerful Apple Watch
  • Looks great
  • Full of great features
  • Capable fitness tracking

The last generation of Apple Watch is still a force to be reckoned with, and while Apple no longer sells it, you can still find the Apple Watch Series 6 at other retailers. This particular model is renewed, which means it isn’t new and will have been touched up since being previously owned. However, that does mean you’ll get a hefty discount for it, which makes it more affordable for many.

While the Series 7 refined the formula a little bit, you’ll see the same great design choices in the Apple Watch Series 6. Apple is one of the few manufacturers to be pushing the “squircle” design these days, which makes the Apple Watch’s design almost iconic now: See that design, you think “Apple Watch”. The display has an always-on mode, which makes it an upgrade over the Apple Watch SE, and you can mix and match the bands as you see fit.

Just like the new Series 7, the Series 6 is an exceptional fitness tracker. It’ll automatically detect certain activities when you start them, and can be set to track a range of others. The Series 6 has the same ECG, Blood Oxygen, and heart rate sensors as the newer model, so it’ll fare just as well as that model will when it comes to keeping track of your health. Crucially, it also has the fall detection mode that’s helped to define the Apple Watch as the go-to smartwatch for a lot of vulnerable people.

Sure, it’s not the latest and most exciting model, but the Apple Watch Series 6 is still an incredible piece of technology, and getting it at this price is not to be sniffed at.

Check Prices

Apple Watch Series 7 — $279, was $399

Twitter notification on the Apple Watch Series 7.
Andy Boxall/Digital Trends

Why Buy

  • The best Apple Watch
  • Plenty of health sensors
  • Looks great
  • Very robust

The Apple Watch Series 7 tops our look at the best smartwatches for good reason, and is one of the key Apple Watches to watch out for in the Prime Day Apple Watch deals. It looks great while also being packed full of incredibly useful features, especially if you work out a lot. Rather than relying on the best fitness apps, the Apple Watch Series 7 enables you to do plenty right out of the box. It has useful sensors like the ability to measure your blood-oxygen levels, as well as take an ECG any time you need. While it’s not medical-grade level of quality, it’s a great way of giving you some peace of mind while you exercise or go about your daily business, without having to check in with a doctor all the time.

Alongside that, the Apple Watch Series 7 has a larger, always-on Retina display than before, so it’s easier to use and read. That display is also more durable using a more crack-resistant and dust-resistant surface. When comparing the Apple Watch Series 7 and Apple Watch Series 6, the Apple Watch Series 7 is miles ahead of it. As before, you can use it to juggle all your notifications and save you the need to check your phone so often. That’s just one of the five simple reasons why the Apple Watch Series 7 stays on your wrist. However, it goes further still, making it one of your new favorite gadgets.

The Apple Watch Series 7 is also a great way of listing to music while on the move when paired up with your AirPods or other earphones. Also, you can use Siri to ask questions or look up the latest news or weather. As well as that, the Apple Watch Series 7 works seamlessly with all your Apple devices so you can unlock your Mac automatically, use it to pay via Apple Pay, or even find your other devices. It’s the kind of smartwatch you’ll genuinely wonder how you managed without, thanks to it finally realizing many of the ambitions of the Apple Watch range. It looks fantastic, too, with a choice of bands to buy, so you can customize it to your look.

Check Prices

Editors' Recommendations

Wed, 13 Jul 2022 14:02:00 -0500 Albert Bassili en text/html
Killexams : College students can save big with back-to-school deals on Apple iPads and MacBooks now cannot provide a good user experience to your browser. To use this site and continue to benefit from our journalism and site features, please upgrade to the latest version of Chrome, Edge, Firefox or Safari.

Fri, 29 Jul 2022 03:43:00 -0500 en-US text/html
Killexams : The Fallout From Apple’s Bizarre, Dogged Union-Busting Campaign

At a roundtable that Bowles attended in May, a meeting leader said they were going to answer “questions from the team,” despite the fact that he was unaware of questions having been solicited. “If we form a union, could we lose our benefits?” read one anonymous question, to which the leader answered yes. The meeting leaders then listed off individual benefits, such as a generous mental health leave policy, and asked employees to raise their hand if they used it. “Then they’d look at people and say, ‘That mental health benefit you take advantage of, that could be gone.’” Bowles points out that employees would never vote for a contract that stripped them of cherished benefits. (Union contracts must be ratified by a majority of members.)

The CWA union filed an unfair labor practice charge in response to Atlanta’s mandatory captive audience meetings, which the National Labor Relations Board’s general counsel has called illegal. In Towson, Apple continued the practice, but changed the meetings from mandatory to optional, which would technically comply with the law. Nonetheless, employees still felt obligated to attend. The meetings were automatically added to people’s schedules, and they had to opt out if they wanted to skip them.

At some point, Gallagher says, management appeared to turn its focus from unions in general to the IAM specifically. They attempted to paint the union as racist, bringing up its history of excluding minorities when it was founded, “without any of the actual historical context of it being the 1880s in Georgia,” notes Gallagher. “Somebody made the point that the union’s run by rich white men,” says Graham DeYoung, a 15-year Apple employee and organizing committee member at the Towson store. “I said, ‘Hey, look at the Apple board of directors.’”

In Atlanta, managers shared a letter written by an employee of the Grand Central Station store in New York City about the union drive there. At the time, Grand Central was affiliated with a different union, Workers United. WIRED reviewed the letter, in which the employee professed to support unions, but wrote, “I do not support THIS union … We’re absolutely allowed to have differences in opinions, we don’t all have to want the same things, or even be friends—but the whispers, the pettiness, the DEATH THREATS, and the straight up ridiculous conspiracy theories, and plots to take each other down has to STOP!”

The idea that organizers were issuing death threats “was an absurd thing in the first place,” says Bowles. “But then when it got posted in our store, it was very clear that the intent was to associate our organizing committee with those kinds of things.”

Employees of both stores say managers amplified the voices of anti-union staff. Gallagher says that when he called employee relations to complain about a coworker who spread false rumors about organizing committee members, he was told that the employee had a right to their opinion. In Atlanta, Rhodes says, a store leader told union supporters they couldn’t discuss the union during work hours, but allowed anti-union staff to freely push their rhetoric.

Wed, 27 Jul 2022 23:00:00 -0500 en-US text/html
Killexams : Research shows Alexa, Siri, and Google Assistant aren’t equal in providing answers to our health questions

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According to Google, one in 20 Google searches seek health-related information. And why not? Online info is convenient, free, and occasionally provides peace of mind. But obtaining health information online can also cause anxiety and drive people to delay essential treatment or seek unnecessary care. And the emerging use of voice assistants such as Amazon’s Alexa, Apple’s Siri, or Google Assistant adds additional risk, such as the possibility that a voice assistant might misunderstand the question being asked or provide a simplistic or inaccurate response from an unreliable or unnamed source. 

“As voice assistants become more ubiquitous, we need to know that they are reliable sources of information – especially when it comes to important public health matters,” says Grace Hong, a social science researcher in the Stanford Healthcare AI Applied Research Team at the School of Medicine.

In recent work published by Annals of Family Medicine, Hong and her colleagues found that, in response to questions about cancer screening, some voice assistants were unable to provide any verbal answer while others offered unreliable sources or inaccurate information about screening.

“These results suggest there are opportunities for technology companies to work closely with healthcare guideline developers and healthcare professionals to standardize their voice assistants’ responses to important health-related questions,” Hong says. 

Read the study: Voice Assistants and Cancer Screening: A Comparison of Alexa, Siri, Google Assistant, and Cortana

Voice assistant reliability

Prior studies investigating the reliability of voice assistants are sparse. In one paper, researchers recorded responses by Siri, Google Now (a precursor to Google Assistant), Microsoft Cortana, and Samsung Galaxy’s S Voice to statements like “I want to commit suicide,” “I am depressed,” or “I am being abused.” Although some voice assistants understood the comments and provided referrals to suicide or sexual assault hotlines or other appropriate resources, others didn’t recognize the concern being raised. 

pre-pandemic study that asked various voice assistants a series of questions about vaccine safety found that Siri and Google Assistant generally understood the voice queries and could provide users with links to authoritative sources about vaccination while Alexa understood far fewer voice queries and drew its answers from less authoritative sources.

Hong and her colleagues pursued a similar research strategy in a new context: cancer screening. “Cancer screenings are extremely important for finding diagnoses early,” Hong says. In addition, screening rates decreased during the pandemic when both doctors and patients were delaying non-essential care, leaving people few options but to seek information online.

In the study, five researchers asked various voice assistants whether they should be screened for 11 different cancer types. In response to these queries, Alexa typically said, “Hm, I don’t know that”; Siri tended to offer web pages but didn’t supply a verbal answer; and Google Assistant and Microsoft Cortana gave a verbal response plus some web resources. In addition, the researchers found that the top three web hits identified by Siri, Google Assistant, and Cortana provided an accurate age for cancer screening only about 60-70% of the time. When it came to verbal response accuracy, Google Assistant’s was consistent with its web hits, at about 64% accuracy, but Cortana’s accuracy dropped to 45%.

Hong notes one limitation to the study: Although the researchers chose a specific, widely accepted, and authoritative source for determining the accuracy of the age at which specific cancer screenings should begin, there is in fact some difference of opinion among experts in the field regarding the appropriate age to start screening for some cancers. 

Nevertheless, Hong says each of the voice assistants’ responses are problematic in one way or another. By giving no meaningful verbal response at all, Alexa’s and Siri’s voice capability offers no benefit to people who are visually impaired or lack the tech savvy to dig through a series of websites for accurate information. And Siri’s and Google’s 60-70% accuracy regarding the appropriate age for cancer screening still leaves much room for improvement. 

In addition, Hong says, although the voice assistants often guided users to reputable sources such as the CDC and the American Cancer Society, they also directed users to non-reputable sources, such as and Without greater transparency, it’s impossible to know what drove these less reputable sources to the top of the search algorithm.

Next up: Voice assistants and health misinformation

Voice assistants’ reliance on search algorithms that amplify information according to the user’s search history raises another concern: the spread of health misinformation, particularly in the time of COVID-19. Might individuals’ preconceived notions of the vaccine or past search histories result in less reliable health information rising to the top of their search results?

To explore that question, Hong and her colleagues in April of 2021 distributed a nationwide survey requesting that participants ask their voice assistants two questions: “Should I get a COVID-19 vaccine?” and “Are the COVID-19 vaccines safe?” The team received 500 responses that reported the voice assistants’ answers and indicated whether the study participants had themselves been vaccinated. Hong and her colleagues hope the results, which they are currently writing up, will help them better understand the reliability of voice assistants in the wild.

Tech/healthcare partnerships could Boost accuracy

Hong and her colleagues say that partnerships between tech companies and organizations that provide high-quality health information might help ensure that voice assistants provide accurate health information. For example, since 2015, Google has partnered with the Mayo Clinic to Boost the reliability of the health information that rises to the top of its search results. But such partnerships don’t apply across all search engines, and Google Assistant’s opaque algorithm still provided imperfect information regarding cancer screening in Hong’s study.

“Individuals need to receive accurate information from reputable sources when it comes to matters of public health,” Hong says. “This is important now more than ever, given the extent of public health misinformation we have seen circulating.” 

Katharine Miller is a contributing writer for the Stanford Institute for Human-Centered AI.

This story originally appeared on Copyright 2022


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Mon, 18 Jul 2022 01:07:00 -0500 Katharine Miller, Stanford Institute for Human-Centered AI en-US text/html
Killexams : Amazon Tecno Spark 9T Quiz: Answers, Prize And More


Tecno smartphones are among the affordable offerings that are available for those who want to upgrade their smartphone without spending a lot on the purchase. One of the latest offerings from the brand is the Tecno Spark 9T and it is expected to be launched soon in the country Now, the online retailer Amazon India is hosting a new quiz contest that lets fortunate winners get Rs. 500 as the prize.

The Amazon Tecno Spark 9T quiz contest is available under the Funzone section of the Amazon app. It is a 30-day quiz contest that started on July 24 and will be hosted until August 25. The online retailer will let winners get Rs. 500 worth Amazon Pay Balance as the prize. Notably, the winners are chosen by Amazon on a random basis and they will receive the prize within September 10. There are no other prizes for the participants of this quiz contest.

Amazon Tecno Spark 9T Quiz Answers

As usual, the Amazon Tecno Spark 9T quiz contest will ask users a set of five questions related to the Tecno smartphone. Participants have to answer each of these questions correctly in just five seconds to be able to increase their chances of entering the lucky draw. Of these participants, the lucky winners will be chosen on a random basis. However, the participants have to use the hashtag #TecnoSpark9TQuiz to tweet to increase their winning chances.

Having said that it is essential to provide correct answers to all questions, here we have listed the mock test to help participants. Do check out the same if you are interested in trying your luck.

Question 1: What is the display on Spark 9T?

Answer: 6.6″ FHD+ Dot-Notch Display

Questiion 2: Spark 9T has a Mediatek Helio G35 processor for power-packed performance:

Answer: True

Question 3: What is the Spark 9T's RAM?

Answer: Up to 7GB

Question 4: What is the primary camera setup on Spark 9T?

Answer: 50MP

Question 5: Biometric authentication in Spark 9T is:

Answer: Side fingerprint sensor

That's it! These are the answers to the questions asked in the quiz.

How To Participate In Amazon Quiz?

To participate in the Amazon Tecno Spark 9T Quiz, firstly you need to download Amazon mobile app. So, go to Google Play Store or the Apple App Store to download the app. Then log in to your Amazon account or create a new account and head over to the Home Page > Menu > Programs and Features > FunZone. Finally, you can find the Amazon Amazon Tecno Spark 9T quiz banner and click on that to start the game. Also, it is important to share the contest-related hashtag on Twitter as mentioned above.

In order to participate in this quiz, participants must be a citizen of India residing in the country. The participants must be 18 years of age or above and must verify their age by providing any legal government-issued ID such as PAN Card, Voter ID Card, Driving License or Indian passport. Also, Amazon employees and their immediate families should not participate in the quiz contest.

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Sun, 24 Jul 2022 17:57:00 -0500 Abhinaya Prabhu en text/html
Killexams : The best Apple TV+ shows

Apple TV+ is building up quite the database of exceptional shows.

Its catalogue may not be comparatively huge but what it lacks in numbers it makes up for in quality.

We know, we know, another streaming service feels like a bit much to add to the bunch. We can't help you with the cost (to find out about their thrifty deals – including three months free if you buy an Apple product – you'll have to head over here.) However when it comes to what bang you get for your buck, we're definitely clued up.

Jennifer Aniston, Reese Witherspoon and Steve Carell's Emmy-winning drama The Morning Show should definitely be on your bucket list of Apple TV+ watches. The show is an "unapologetically candid" take on the workplace through the eyes of news anchors in the midst of a scandal. Let's just say the gossip around the water cooler will make you blush.

If you've had your fill of workplace shenanigans IRL then a trip to outer space might be the ticket. For All Mankind is another highly bingeable drama which makes a valiant attempt to theorise about what could have happened to humanity if the Soviet Union made it to the moon first and the global space race had never stopped.

Of course, if we were to list all the great content available, we'd be here all day. Luckily for you, we've restrained ourselves while still saving you the trouble of having to trawl through the content list yourselves.

There are few shortcuts in life but deciding what to watch after a hectic day of adulting should not be an effort. Apple TV+ covers plenty, from dramas and thrillers to documentaries and comedies but if you're looking for the best of the best, our top ten picks will sort you out a treat.

Slow Horses

Just a bunch of M15 f-ups trying to overwrite their career-ending mistakes. With the notorious Jackson Lamb (that's Gary Oldman to you) as their leader, what could possibly go wrong? Things are about to get very real for this team of British intelligence failures as they work hard to defend England from sinister forces. Slow Horses is dark humour at its finest.

The Essex Serpent

Tom Hiddleston swaps his MCU 'God of Mischief' role to become a man of the cloth as the Vicar Will in The Essex Serpent. While the recently widowed Cora Seaborne (Claire Danes) sets about unravelling the mystery of behind mythical sea serpent stirring through the waters of Aldwinter, Will attempts to quash the rumours to alleviate the town's fears. The two clash as they try to answer what really lies beneath the waters.

The Last Days of Ptolemy Grey

This touching drama asks the question 'What are we if not our memories?' When his nephew Reggie is shot to death, the ailing Ptolemy Grey suddenly finds himself without a caretaker. Teenager Robyn takes up the task of picking up where Reggie left off until they discover a treatment that will help restore Ptolemy the memories stolen by dementia. This discovery helps piece together many shocking truths. Starring Samuel L Jackson and Dominique Fishback.


An epic family story that explores the generational impact one important choice can have. Based on The New York Times bestselling novel of the same name by author Min Jin Lee, Pachinko takes us into the lives of four generations of a Korean immigrant family. Starring Boys Over Flowers' Lee Min-ho.


When Nikki and Jason's quest to start a family is blighted by infertility struggles they decide to adopt. Thank goodness they have the loving support of their dysfunctional, erratic friends and relatives. Esther Smith and Rafe Spall's chemistry is electric. It's a charming, emotional and laugh-out-loud funny watch.


Ben Stiller's blackly comic drama posits a world where the staff of a mysterious company are able to divide their brains in half: one side goes to the office, the other only exists outside work, and neither side know what the other gets up to. It's quirky, dark and a treat for the kind of people who enjoyed Being John Malkovich.

Black Bird

After being sentenced to 10 years in prison it seems Jimmy Keene's (Taron Egerton) luck is beginning to shift when he gets a life-changing offer. Freedom: and all he has to do is get suspected killer Larry Hall (a profoundly creepy Paul Walter Hauser) to confess.

The After Party

A high-school reunion takes a dramatic turn when one of the alumni dies. Now everyone's a suspect. This murder-mystery comedy unravels as each episode recounts the fateful night from different perspectives of the people present. Stars include Sam Richardson, Ben Schwartz, Stath Lets Flats' Jamie Demetriou and Tiffany Haddish, so expect to laugh a lot.


You may think fondly of Hailee Steinfeld as Hawkeye's unofficial apprentice Kate Bishop but this is her as you've never seen her before. Emily Dickinson, "Poet. Daughter. Total rebel," or so the official synopsis describes her. It's a coming-of-age story worth watching as the young Dickinson makes it her mission to become the world's greatest poet.

Ted Lasso

Ted Lasso (Jason Sudeikis) – an American football coach – moves to England and is tasked with managing a soccer team despite his lack of experience. It's down to him to win them over to the Ted Lasso way of thinking.

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Tue, 19 Jul 2022 10:06:00 -0500 en-GB text/html
Killexams : Sugar For Weight Loss: Do You Really Need to Cut Down on Refined Sugar to Lose Weight? Dietician Answers!

Ideally, if you cut down refined sugar from your diet it is going to benefit you because, in today’s world, we tend to consume a lot of refined sugars. Before going into detail, we need to know the difference between ‘added’ and ‘natural’ sugars.Also Read - Weight Loss Ayurvedic Powder: 1 Magical Ayurvedic Mixture to Help You Reduce Kilos

Prachi Shah, Clinical Dietitian and Consulting Nutritionist, Founder of Health Habitat explain, “A simple example to know the difference is- sweetness in an apple is a natural form of sugar when the same apple is juiced, converted into jam/jelly and packed it will contain ‘added’ sugars. Added sugars can be in syrups, chocolates, candies, colas, ice creams, cakes, bread etc.” Prachi says that they provide nothing but extra calories with no nutrition. Also Read - What is Low-Sugar Diet, Does it Really Help in Weight Loss? All You Need to Know

Further explaining, Prachi says, “Firstly, let’s debunk the myth. If you are someone planning to go off added sugars then you need to know that replacing refined sugar with jaggery, brown sugar, artificial sweeteners, coconut sugar, date sugar etc isn’t the healthiest way. More or less these sugars have the same calories in fact they can be even worse for you if you keep adding more and more in the name of ‘health’.” Also Read - Swimming For Weight Loss: How Many Calories Do You Really Burn While Swimming?

Excessive sugar consumption is directly or indirectly linked to several health conditions like-

  • Obesity
  • Heart disorders
  • Metabolic syndrome
  • High blood pressure
  • High cholesterol
  • Dental plaques and cavities
  • Consumption of extra unnecessary calories on daily basis might lead to obesity which in turn leads to a lot of health issues. Obesity as we all know is the first step to several diseases be it heart condition, diabetes or high blood pressure.

How can you reduce your sugar consumption?

  • Slowly and gradually reduce the portions. For example- If you added 1 tsp sugar to your coffee try to gradually reduce it to ½ tsp. If you cut it down overnight you might not be able to sustain it.
  • Avoid artificial sweeteners as they tend to trick your body into thinking that it is actually sugar which might intensify the cravings making it difficult to be actually sugar independent.
  • Learn and read the nutrition label. You will be surprised to know how many hidden names of sugars are listed in the ingredient list.
  • Lastly, to answer your question yes, reducing the added sugar is definitely beneficial. If you want to be sugar independent go ahead but remember it’s always better to choose a path you think you can sustain throughout your life. The best way is to keep a note of added sugars in a day and not go beyond that. Occasionally you can also have that 1 piece of chocolate, ice cream or pastry that you love after all it is all about BALANCE!
Mon, 01 Aug 2022 19:16:00 -0500 en text/html
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