Campbell Wealth Management - July 2019

Insomniacs Unite 3 Free Apps to Help You CatchThose Z’s

Everyone with a smartphone has heard time and time again that looking at your phone before bed is a bad idea. According to the National Sleep Foundation, “The use of electronic devices in the bedroom further disrupts the natural pattern of the sleep-wake cycle” primarily because of the blue light emitted from the screen. While most scientific data pertaining to sleep recommends you place your phone in another room overnight, those who toss and turn regardless of phone location might benefit from using technology rather than tucking it away. Here are three FREE sleep apps that might help you get to dreamland faster. Pzizz While there are many apps that claim to help people fall asleep quicker, very few are programmed to prevent sleepers from growing bored of the same monotonous soundtracks. Pzizz combines music, sound effects, and binaural beats, and an embedded algorithm generates a slightly different track each time you use it. Snore Report Many troubled sleepers who are able to fall asleep are jolted awake shortly afterward. The inability to stay asleep throughout the night can stem from a multitude of factors, but snoring tends to be the most

common. The Snore Report app records through the night to detect any snoring sounds and then provides the user with an overview of the previous night’s recording, including an index to determine snore intensity. Using this app might not help you fall asleep faster, but it could offer helpful information about why you aren’t able to stay asleep. Sleep Cycle Alarm Clock Instead of setting an alarm to jolt you out of sleep at a specific time, choose a window of time to wake up with the Sleep Cycle Alarm Clock. The app will sense your sleep movements and ring an alarm when you’re in the lightest stage of sleep. This way, you’ll wake at the optimal time, feeling refreshed rather than groggy.

4 TRAITS SCAMMERS TARGET Awareness Is the Best Defense

target small businesses and prey on employees who want to please their boss. Always verify the legitimacy of these kinds of messages before doing anything. Scammers routinely target people who are stressed . For example, following the death of a loved one, there are people who read the obituaries looking for opportunities. Sometimes they claim to be a long- lost relative looking to get in on some of the inheritance. Other times, they search out the address of the deceased to rob their home. There are also scammers who use this time of stress and grief to get other family members to hand over money. Stress clouds people's judgment, but it’s still up to us to look for red flags that something isn’t right. Finally, scammers often go after people who have already been scammed . If a person falls for a call or a phishing email, that person gets put on a list. The scammers will eventually reach out again in the hopes of repeating their initial “success.” To make matters worse, AARP reports that the scammers sell these “success lists” to other scammers. It’s a win-win for them, and it leaves you vulnerable to future scams. However, the more informed you are about scams and how they work, the better prepared you can be should you be targeted.

Some people are more susceptible to financial scams than others.

According to the AARP Fraud Watch Network, there are several personality traits that can contribute to a person being more apt to fall for a scam,

whether it’s a phone scam, an online scam, or even in-person. However, when you’re aware of your own behavior, you can be extra vigilant should a scammer try to weasel their way into your pocketbook. While this isn’t a negative personality trait by any means, having respect for authority can spell trouble when someone calls pretending to be with the IRS, the Social Security Administration, the FBI, or any number of government agencies. Many people feel compelled to follow instructions given by the person on the other end of the phone, but it’s crucial to remember that no government agency will ever call demanding money. People-pleasers are often susceptible to scams, as these people just want to help out. Sometimes, scammers call or send an email with a sob story, and you just want to do the right thing. Or you may get an email from a colleague or boss requesting money (or gift cards). Many scammers

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