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 Are things getting serious? Here are some steps you can take to ensure you and your partner are on the same page about money so that you can enjoy a happy, successful life together. 1. Talk money before you talk marriage It isn’t very romantic to talk about finances before getting married,  but it’s absolutely essential. If you don’t have a money talk, you may be unpleasantly surprised to find that your partner lacks a good spending habit. 2. Save up for the days to come Lots of people don’t like thinking that far ahead,  but it’s important to start saving up for your retirement as soon as possible. The sooner you start saving, the happier you and your partner will be when you retire. Money management is one of the key things to discuss with your partner before anything else

 How to Secure Your Phone From Hackers . If you want to be proactive, there are several measures  you can take to protect yourself against phone hacking,  most of which involve common sense. In addition,  there are advanced methods to ensure that your  phone is as secure as possible (without losing its full functionality). For casual phone users, adhering to the basics is a great place to start when it comes to blocking simple hacking efforts: Never leave your phone unattended.  Keeping your phone with you at all times while in a public place is the first, best rule to follow. Change your phone’s default passcode.  Your phone likely comes with a simple,  predictable default password, and those  who know can use this to their advantage. Change your code to something more complex, and resist the usual "1234," "0000" and “2580” codes that are commonly used. Protect your PIN and Credit Card data.  Use a protected app to store PIN numbers and credit cards, or better yet,

 This is a difficult time, and it is our obligation to help those, as we can. In that spirit, I have asked small business owners about their biggest challenges today. Challenge 1: The Ability to Transition to a Digital-First World. Large companies have the budget to quickly make  this transition whether means building new product features, offering more flexible payment options, or making sure your team stays productive while working from home. Challenge 2: Lacking Creativity. The number one challenge most Entrepreneurs facing with their business is maintaining high levels of creativity in the virtual work environment we are in today. In the past, a lot of our best ideas came from group meetings where we all would meet and share our thoughts. Challenge 3: Pressure to Perform. one of the major challenges is the concern over “the external pressure COVID has put on everyone. People are not just concerned about their jobs anymore, but also about their health. The constant fear has taken it