Posts tagged with "safety"

2023 Toyota Crown

Listen to Mustafa Jawed speak to 360 MAG podcast HERE about the all-new 2023 Toyota Crown. From Nashville, Vaughn Lowery and Armon Hayes discuss their driver impressions.

During a tour of Music City, 360 MAGAZINE had an exclusive meeting with the only Toyota sedan to offer the HYBRID MAX System – the all-new Crown AKA new age Kanmuri. As well as maneuvering different terrains in Tennessee, this distinctive crossover caught the attention of spectators.

Over the past seventy years, the Toyota Crown has been recognized in Japan as one of the prestigious vehicles in its class. Now, it is being reintroduced to the US market after a 50-year hiatus, becoming the new flagship of the invincible mid-tier automotive brand. Equipped with standard AWD in tandem with intuitive technology like a Drive Connect, which can be established by a simple voice command, “Hey Toyota,” making searches for points of interest effortless.

Its bi-tonal exterior easily dresses up any Met Gala rug. And, with 21-inch wheels, the steep position offers an additional height of 4 inches above its predecessors, the Camry and Avalon. Thus, increasing the driver’s visual range as well as their overall driving control. The performance hybrid version pushes approximately 340 horsepower, with 400 lb-ft of torque, enough strength that no driver or passenger can ignore. Available in three categories: XLE (starting at $41,045), Limited (starting at $46,595) and Platinum (starting at $53,445) with dual hybrid powertrains – Toyota Hybrid System (THS) and Hybrid Max that is exclusive to Platinum models.

Nashville 2023 Toyota Crown sedan drive with 360 MAGAZINE.

‘Again, Toyota has set the record straight. With thick thighs and an arched back, it’s recalls the X6, dubbing this vehicle in an urban territory as the Bargain Beamer.’ – Vaughn Lowery

Toyota Crown Returns to the US with Bold Style and New Hybrid Max Powertrain

Reimagined Sedan with Bold Styling, Premium Comfort and Elevated Ride Height
Three Grades, XLE, Limited and Platinum, All with Standard Electronic On-Demand AWD
Hybrid Powertrain Standard with Choice of First-Ever HYBRID MAX or Toyota Hybrid System
HYBRID MAX on Platinum Pairs a 2.4-L Turbo Hybrid Engine with Rear eAxle for 340 HP
Spacious Interior and Quiet Ride, with Standard Adaptive Variable Suspension on Platinum
Platinum Grade Offers Unique Bi-Tone Paint and Standard 21-inch Wheels
Toyota’s All-New Audio Multimedia System with 12.3-inch Touchscreen Standard

With a striking debut, Toyota is reimagining the full-size sedan with the all-new 2023 Toyota Crown. Built to deliver an intuitive driving experience, this new premium sedan brings powerful acceleration and confident handling, along with supreme comfort for a sophisticated ride, all wrapped in a bold new design. It is also the first Toyota sedan to offer the HYBRID MAX System, Toyota’s performance hybrid with power that drivers will feel. Available in three grades: XLE, Limited and Platinum, Toyota Crown will offer a choice of two different hybrid powertrains: HYBRID MAX or the fourth generation Toyota Hybrid System (THS).

The HYBRID MAX powertrain, exclusive to the Platinum grade, is Toyota’s all-new performance hybrid that puts out a manufacturer estimated 340 net horsepower. Paired with a 2.4-liter turbocharged engine and a direct shift 6-speed automatic transmission, HYBRID MAX produces powerful torque at low RPM for sporty, exhilarating driving and has a manufacturer-estimated 28 MPG combined city/highway fuel economy rating. XLE and Limited grades are equipped with THS, a highly efficient hybrid system with a newly developed, high-output bipolar nickel-metal hydride battery that can achieve a manufacturer-estimated 38 MPG combined city/highway rating.

Built on a newly developed chassis based on Toyota’s GA-K platform, Crown has a raised overall height that’s nearly four inches higher than Camry. The unique height of this sedan offers increased road visibility, along with easy entry and exit. Its flowing silhouette and sculpted body lines create a fresh look that is entirely unique for its class. Altogether, the Crown package is a combination of innovative style, performance and function.

The XLE grade comes equipped with the 2.5-liter THS, AWD, three selectable drive modes, 19- inch alloy wheels, heated and powered Softex and fabric front seats and our all-new Toyota Multimedia System with 12.3-inch touchscreen and 6 speakers. It is available in five colors: Black, Oxygen White, Magnetic Gray Metallic, Heavy Metal and Supersonic Red, with a black interior.

The Limited grade also comes equipped with XLE features and adds multibeam LED headlights, a fixed panoramic roof, leather-trimmed seats that are heated and ventilated up front and heated in the rear, 11-speaker JBL audio system, rain sensing windshield wipers and intelligent clearance sonar along with rear cross-traffic braking. There is also an available Advanced Technology package that adds dark metallic 21-inch, 10-spoke alloy wheels, a birds-eye view camera and digital key (with Remote Connect subscription). Interior colors include black, black and chestnut and macadamia.

The Platinum grade includes everything on XLE and Limited and raises the bar with the HYBRID MAX powertrain, Adaptive Variable Suspension, six selectable drive modes, Advanced Park and unique 21-inch machined 10-spoke alloy wheels with black accents. The color palette adds a Toyota first bi-tone paint option, with black paint that extends from the hood to the trunk, that can be paired with Oxygen White, Heavy Metal, Supersonic Red or an all new, bi-tone only Bronze Age color.

Each grade of Crown will come with Toyota’s new Audio Multimedia System and Toyota Safety Sense 3.0 standard. It is expected to arrive in Toyota dealerships later this year.

Toyota Crown via 360 Magazine by 360 Magazine

Crown History

The Crown first debuted in 1955 as the “Toyopet Crown,” Toyota’s first mass produced passenger vehicle. When the first generation was developed, Crown came to symbolize “innovation” and “pushing the limit” within Toyota. Since then, it has gained recognition in Japan as Toyota’s premium sedan. It was also the first Japanese car to hit American shores back in 1958, last being sold in the US in 1972.

Across the 15 generations of Crown, it has been a vehicle that has led the way with innovative technology — pursuing value through engineering that is one step ahead of its time. For the new Crown, Toyota’s development team once again set innovation and pushing the limit at the core of the new generation’s concept. Toyota team members from product planning, design and engineering worked together to identify a Crown for a new era. The result is a completely new Toyota Crown that throws off the conventional concepts of a sedan and takes it into a new era.

Design choices push the limit, with large-diameter wheels that give the car a powerful style, a raised hip point for ease of ingress and egress, and meticulous attention to detail on the inside for a comfortable home-away-from-home. Innovation is engineered into the new Crown with two different Hybrid powertrains available, HYBRID MAX with responsive acceleration and THS for great fuel economy and standard electronic on demand All Wheel Drive.

Two Hybrid Systems

Toyota made “hybrid” synonymous with fuel efficiency more than 20 years ago with the first Prius. Today, Toyota continues to expand its hybrid lineup and overall electrified vehicle offerings, with Crown bringing the number of Toyota electrified vehicles to 16. The Toyota Crown innovates on the hybrid front with another first for Toyota sedans, the HYBRID MAX System. This new system is designed to deliver smooth and powerful torque-filled acceleration, while keeping an eye on efficiency.

HYBRID MAX combines a 2.4-liter inline 4-cylinder turbo engine tuned to hit peak torque between 2000-3000 RPM, with a front electric motor that helps maximize torque production. A rear wheel eAxle that’s equipped with a high output water-cooled electric motor is combined with the hybrid engine to directly transmit force to all four wheels, ensuring a thrilling throttle response and linear acceleration throughout the power band.

The fourth-generation Toyota Hybrid System in the Toyota Crown combines a high-efficiency 2.5-liter DOHC four-cylinder engine with two electric motors in a highly compact system. The gas engine employs Variable Valve Timing-intelligent by Electric motor (VVT-iE) on the intake camshaft, and VVT-i on the exhaust camshaft. The variable range for the valve timings of both the intake and exhaust are set to maximize both fuel consumption and output.

THS-equipped vehicles feature selectable NORMAL, ECO and SPORT driving modes that let the driver tailor the Toyota Crown’s performance personality. SPORT mode improves and sharpens throttle response, making hybrid driving more fun. ECO mode changes the throttle and environmental logic to help the driver focus on maximizing mileage from the fuel and battery, while NORMAL mode is ideal for everyday driving. Additionally, an EV (Electric Vehicle) mode allows electric-only driving at low speeds for short distances.

The HYBRID MAX equipped Platinum grade receives a more comprehensive drive mode selection – which not only includes NORMAL, ECO and SPORT but adds three drive modes: SPORT+ mode that provides an emphasis on steering response, flat cornering and a sense of stability, COMFORT mode that provides a more supple drive that emphasizes passenger comfort and a CUSTOM mode that enables drivers to adjust system settings individually, creating a safe profile that suites their driving habits.

All-Wheel Drive at its Smartest

The 2023 Toyota Crown comes standard with Toyota’s Electronic On-Demand All-Wheel Drive. The XLE and Limited grades come with E-Four AWD and the Platinum grade comes with E-Four Advanced, two highly efficient systems that take maximum advantage of the hybrid powertrain’s benefits. Instead of using a transfer case and driveshaft to the rear wheels, Electronic On-Demand AWD employs a separate rear-mounted electric motor to power the rear wheels when needed.

E-Four AWD achieves stable performance by driving the rear wheels with a rear motor, to provide traction when needed in slippery conditions. Toyota Crown uses the latest evolution of this system and strengthens the driving force of the rear motor compared to the conventional E-Four, enhancing stability when cornering. The front and rear wheel driving force distribution is precisely controlled to the front and rear wheels between 100:0 and 20:80, ensuring both enhanced fuel efficiency and comfortable driving performance.

E-Four Advanced AWD, paired with HYBRID MAX on the Platinum grade, delivers power to the front and rear wheels via a front mounted hybrid motor and to rear wheels through a rear- mounted eAxle electric motor. This system helps ensure stable AWD performance and satisfying acceleration thanks to being paired with a direct shift six-speed automatic transmission. On the E-Four Advanced system, the front and rear wheel drive force is precisely controlled between 70:30 and 20:80. The rear motor, which generates power through water cooling, makes it possible to maximize torque to the rear wheels. This new AWD system enhances the drive force of the rear wheels and provides the feel of rear-wheel-drive maneuverability, straight line stability, comfortable turning and responsive acceleration.

Toyota Crown offers either a direct shift six-speed automatic transmission (Platinum grade only) or an electronically controlled Continuously Variable Transmission (eCVT) (XLE and Limited).

The Platinum grade’s direct-shift six speed transmission provides responsive acceleration thanks to Toyota’s new Hydraulic multi plate wet start clutch. A combination of technologies works together to ensure enhanced accelerator operation and vehicle response. The six speed AT also applies the assistance of the motor generator within the HYBRID MAX system, minimizing shift drop across the power band. Drivers can also throw the shifter into fixed gear mode, for paddle shifted fun.

The eCVT on the XLE and Limited Grade uses a shift-by-wire system that shifts gears electronically, providing smart shift operation with a single action. Paired with the THS front and rear hybrid transaxle, Toyota Crown’s powertrain provides low fuel consumption and low noise. Aspects that manage fuel efficiency include an optimized gear ratio and a deceleration mechanism to reduce gear engagement loss.

Smooth Operator, Ready to Ride

Toyota Crown is built around a version of the Toyota New Global Architecture K (TNGA-K) platform that underpins some of the company’s sedans and crossovers. As such, Crown delivers the best of both worlds: sedan driving comfort and crossover-like ride height. Crown’s overall height comes in at 60.6 inches, compared to 56.9 for Camry, its overall length is 194 inches, width is 72.4 inches, and wheelbase 112.2 inches. The TNGA-K platform also allows front strut and rear multi-link suspension tuning that helps foster handling agility while providing a supple, quiet ride.

The Platinum grade comes equipped with a standard Adaptive Variable Suspension. AVS components have been tuned to support the high output of 2.4 L Turbo Hybrid Engine and eAxle. Crown’s AVS uses variable oil pressure shock absorbers. This system automatically controls the friction within the absorber when turning, controlling the damping force, reducing pitch at high drive torque and minimizing the effects of bumpy roads. A linear solenoid type actuator is also equipped on the system to minimize body pitch and roll.

For all grades, Toyota engineers developed a suspension system that provides comfortable maneuverability and a relaxing ride. Front suspension components include a MacPherson- type strut and a new method for fastening the steering gear, enabling rigid, direct handling that also reduces noise and vibration. A newly developed multi-link rear suspension with higher rigidity helps ensure a faster response to drive torque. Rear suspension arm placement was also optimized to suppress changes in the vertical posture, contributing to a flat driving feeling and enhanced texture.

Toyota Crown’s handling is bolstered by an electronically controlled brake system featuring Active Cornering Assist (ACA), which engages the stability control to reduce understeer in certain cornering situations, so the driver feels the enhanced agility, not the system’s operation.

The combination of large-diameter tires and wheels helps give the Toyota Crown its “lift-up” style. The XLE and Limited grades ride on 19-inch multi-spoke two-tone alloy wheels. Limited has available 21-inch 10-spoke dark metallic alloy wheels as part of the Advanced Tech package. The Platinum comes standard with 21-inch machined 10-spoke alloy wheels with black accents.

First Class Cabin

Toyota Crown provides exemplary comfort with standard 8-way power adjustable driver and front passenger seats. Front seat adjustments include slide, recline, tilt, height adjust and lumbar support (driver seat only). Rear seats include ample cushioning and bolster support for maximum enjoyment.

The Toyota Crown comes with standard heated front seats that can be adjusted to three levels. Limited and Platinum add standard ventilated front seats and heated rear seats to the list of creature comforts. The seats are not only comfortable, but stylish, with black Softex® and fabric seating on the XLE and leather-trimmed seating standard on the Limited and Platinum grade.

Dual zone climate control is also standard for all grades. A thin, attractive illuminated control panel runs along the dashboard, just below the multimedia screen, with frequently used functions placed on the lower row keyboard switches. All Crown grades also receive a 12.3- inch color MID. Drivers can select different displays with the push of a button, including a Hybrid System Indicator showing the driver system output and regeneration status to encourage eco-driving habits. As used on other Toyota hybrid models, the display suggests the optimal acceleration amount for eco driving.

The Crown Platinum and Limited grades include a standard panoramic moonroof. For added function and ambience, in-cabin LED lighting adds a premium feel. Illumination, out of consideration for visibility and operability, includes overhead and front/rear footwell lighting, and cup holders, USB ports and door handles also receive lit accents.

Crown has drivers and passengers plugged-in when it comes to charging devices. On the driver’s side, a vertical-type wireless Qi charging with enhanced space efficiency comes standard. There is also a standard USB-Type A and 12V charging port inside the console. A separate dual USB-Type C terminal is also standard on the passenger side, with the insertion port intentionally pointing to the passenger seat. For rear seat passengers, two USB-Type C ports are standard.

To aid outward visibility, the Platinum grade comes standard with Bird’s Eye View Camera with Perimeter Scan, which provides a panoramic overhead view of the vehicle’s surroundings. Bird’s Eye View is available as part of the Advanced Tech Package on the Limited grade.

The standard backup camera features projected path and dynamic gridlines. For additional convenience, Limited and Platinum come standard with a Smart Key System that works on all four doors.

A Sanctuary on the Road

For customers who seek premium experiences in a vehicle, keeping unwanted noise out is paramount. The 2023 Toyota Crown’s cabin brings that priority quietly home. Rather than simply aiming at a “numbers” goal for sound level (decibels), Toyota engineers created a calm atmosphere conducive to enjoying easy conversation or hearing music in cleaner detail.

The high-strength TNGA-K platform is the first defense against noise intrusion, curbing vibration through the steering, floor and structure. Suspension tuning resists road surface disturbances and tire noise is reduced via strategically placed insulation and thoughtful tire/wheel construction.

That’s just the beginning.

Acoustic glass adds a sound-blocking barrier and absorbing insulation and body sealing material are placed throughout the structure, under the carpeting and above the headliner. The materials and their placement were optimized to minimize noise in the frequencies that typically interfere with conversation.

As one example, a sound absorbing pad is placed between the engine bay and cabin to reduce road and engine noise. Engineers also undertook extensive analysis of noise transmission paths and filled spaces around door frames, window openings and wiring harnesses for enhanced cabin quietness. Even the inner rocker and bulkhead are connected with adhesive for maximum noise control.

Next Gen Toyota Audio Multimedia

All Toyota Crown models feature Toyota’s all-new, North American developed Audio Multimedia system. Featuring a 12.3-inch touchscreen, the system offers an improved user experience and a wide range of enhanced connectivity and convenience features, including being Over-the-Air (OTA) updatable. Users can interact with the new system’s design through touch and voice activation. With Intelligent Assistant available through Drive Connect*, simple phrases like “Hey Toyota” awakens the system for voice-activated commands to search for directions, find Points of Interest (POI), adjust audio controls, change the cabin temperatures and more.

The cloud-based native navigation system also offered through Drive Connect allows for real- time Over-the-Air updates for mapping and Points of Interest (POI), and Google POI data is integrated to ensure up-to-date search capability.

The XLE grade features a 6-speaker sound system that provides clean, powerful sound for all types of music. On Limited and Platinum, standard is an audiophile-worthy JBL Premium Audio System with 11 speakers, including a rear subwoofer, powered by an 8-channel amplifier. It was acoustically tuned for Toyota Crown to match unique vehicle characteristics.

Toyota Audio Multimedia allows for simultaneous dual Bluetooth phone connectivity with support for wireless Apple CarPlay® and Android AutoTM capability. A Wi-Fi Connect subscription offers 4G connectivity for up to five devices. Adding to the already robust offering of audio playback ability with HD Radio, USB data and a SiriusXM® Platinum Plan 3- month trial subscription, Wi-Fi Connect also enables the Integrated Streaming feature, providing the ability to link your separate Apple Music® and Amazon Music subscriptions to the vehicle for onboard control.

The Toyota Crown also offers a host of additional Connected Services. A Safety Connect 1- year trial includes an Emergency Assistance Button (SOS), 24/7 Enhanced Roadside Assistance, Automatic Collision Notification, Stolen Vehicle Locator and Collision Assistance. A Service Connect 3 -year trial provides drivers the capability of receiving Vehicle Health Reports, Maintenance Alerts and reminders.

A Digital Key is offered on the Platinum and as part of the Advanced Technology package on the Limited grade. With an active Remote Connect subscription, drivers can use the Digital Key via the Toyota app and allow passive entry unlock on front doors and trunk or push start using smartphone as key. The Digital Key also provides the ability to share keys with friends and family.

Advanced Park, Safety & Other Technology

Standard on the Platinum grade is Toyota’s Advanced Park System. Sensors identify an open parking space, then control steering, shifting, acceleration and braking for hands-free parallel or reverse/forward perpendicular parking.

All Toyota Crown grades come standard with Toyota Safety Sense 3.0 (TSS 3.0), which includes enhancements made possible by system sensors with improved detection capability. The Pre-Collision System with Pedestrian Detection is capable of detecting motorcyclists and guardrails in certain conditions. When making a turn or approaching an intersection, the system is designed to detect certain forward or laterally approaching vehicles and provides audio/visual alerts and automatic braking in certain conditions.

Toyota Crown will be equipped with Dynamic Radar Cruise Control (DRCC). Improved lane recognition delivers refined performance of Lane Departure Alert with Steering Assist and Lane Tracing Assist. Lane Departure Alert with Steering Assist is designed to notify the driver via audible and visual alerts and slight steering force if it senses the vehicle is leaving the lane without engaging a turn signal. When DRCC is set and engaged, Lane Tracing Assist uses visible lane markers or a preceding vehicle to help keep the vehicle centered in its lane.

Automatic High Beams are designed to detect preceding or oncoming vehicles and automatically switch between high beam and low beam headlights. Road Sign Assist is designed to recognize certain road sign information using a forward-facing camera and display it on the multi-information display (MID).

Toyota’s Rear Seat Reminder comes standard on all Toyota Crown grades. The feature can note whether a rear door was opened after the vehicle has been turned on, with a reminder message in the instrument cluster after the engine is turned off, accompanied by multitone chimes.

In addition to the TSS 3.0 system, other standard safety features on the Crown include Blind Spot Monitor (BSM), which is designed to help detect and warn you of vehicles approaching or positioned in the adjacent lanes, and Rear Cross Traffic Alert (RCTA) for added peace of mind by helping to detect vehicles approaching from either side while backing out and alerting you with a visual and audible warning. Hill Start Assist Control (HAC) also comes standard.

Toyota Crown comes with a one-year trial subscription of Toyota Safety Connect® at no additional cost — which includes Emergency Assistance, Stolen Vehicle Locator, Roadside Assistance and Automatic Collision Notification.

Toyota Limited Warranty

Toyota’s 36-month/36,000 mile basic new-vehicle warranty applies to all components other than normal wear and maintenance items. Additional 60-month warranties cover the powertrain for 60,000 miles and against perforation from corrosion for 60 months with no mileage limitation. Hybrid-related components that require repairs needed to correct defects in materials or workmanship are covered for 8 years/100,000 miles, whichever comes first from original date of first use when sold as new. The hybrid battery is covered for 10 years/150,000 miles, whichever comes first, and is transferable across ownership.

The 2023 Toyota Crown also comes with ToyotaCare, a complimentary plan covering normal factory-scheduled maintenance, for two years or 25,000 miles, whichever comes first, and 2 years of Roadside Assistance, regardless of mileage.

About Toyota

Toyota (NYSE:TM) has been a part of the cultural fabric in the U.S. for more than 60 years, and is committed to advancing sustainable, next-generation mobility through our Toyota and Lexus brands, plus our nearly 1,500 dealerships.

Toyota directly employs more than 39,000 people in the U.S. who have contributed to the design, engineering, and assembly of nearly 32 million cars and trucks at our nine manufacturing plants. By 2025, Toyota’s 10th plant in North Carolina will begin to manufacture automotive batteries for electrified vehicles. With more electrified vehicles on the road than any other automaker, a quarter of the company’s 2021 U.S. sales were electrified.

To help inspire the next generation for a career in STEM-based fields, including mobility, Toyota launched its virtual education hub at www.TourToyota.com with an immersive experience and chance to virtually visit many of our U.S. manufacturing facilities. The hub also includes a series of free STEM-based lessons and curriculum through Toyota USA Foundation partners and virtual field trips.

Ten Ways to Make Your Smart Home More Secure

A smart home can be such a massive help for a busy family. They automate several processes in daily life so you don’t have to take the extra time to do them yourself. A smart home assistant can keep notes for your next grocery order, and a smart outlet can help you save energy and turn your lights on and off with a single command in your phone. IoT devices can revolutionize the way you live.

As useful as smart home devices are, they can also have vulnerabilities that leave your private life open for cyberattacks. Luckily, you can take a few steps to ensure your home network stays as protected as possible.

1. Go Through a Checklist

Before you buy a smart home device, create a checklist to see if you really need it. The fewer connected devices you have in your home, the lower your chance of someone trying to hack into them.

Make sure your checklist includes all of the device’s features. Will it simplify your life to a massive extent or would you just be getting this device to avoid doing something small? If the device meets all your expectations, you should get it. However, if it has more functions that you would turn off rather than use, then don’t get the device.

2. Protect Your Router

One of the easiest ways to keep your devices safe is to ensure you protect your router to the best of your ability. Use the highest level of encryption – typically WPA2 or WPA3. Change the router’s default name and password, which might be too easy for people to figure out. You may want to create a unique password that doesn’t have any identifying information, such as the name of someone in your household, so it’ll be more challenging for people to guess.

You’ll know your router functions on a higher security level once you take it out of its default settings.

3. Rely on a Firewall

A firewall can protect your devices from any cyberattacks or harmful software. It acts as an actual wall that keeps any hazards away from your personal network and the devices connected to it.

Firewalls can analyze just about everything from the get-go, so they’re a worthwhile safety measure you must look into if you have a smart home. While it may not always be necessary, installing a firewall can bring you peace of mind and help you know that you’re using your devices safely.

4. Have an Expert Help

When you’re a newbie at security, there’s no shame in asking a professional to help you. You can take security training classes online, which will help you know why having secure smart home devices is so important.

Once you know more about security, you’ll likely see the gaps in your own setup. If you don’t, ask a professional to evaluate and audit your network. The professional will be able to identify any security gaps you can take steps to close.

5. Use Strong Passwords

Strong passwords only work well if they’re unique, so don’t use the same strong password for multiple devices. How often you choose to change your password is up to you. However, many organizations require individuals to change their passwords every few months to maximize their security measures.

Strong passwords, with a combination of letters, numbers, and symbols, are harder for cybercriminals to guess and will leave your devices better protected.

6. Turn on Two-Factor Authentication

Multi-factor authentication (MFA) and two-factor authentication (2FA) are the same. They require more action on your part before you’re able to access permissions for a device. Two-factor and multi-factor authentication work so well because they prompt a user to interact with another device or account to get permission to access the first one.

If someone is trying to hack into your account, you’ll have a better chance of stopping them in their tracks if you have this feature enabled.

7. Opt for a Separate Guest Network

You should utilize a guest network and a personal network even if you don’t expect to have guests all the time. The IoT devices can use the guest network rather than the main network. When you split up the devices on different Wi-Fi networks, it will be harder for cybercriminals to target just one network.

8. Check Monthly Usage

You should routinely check how your devices are being used and at what times. When you check once a month, you’ll be able to notice any unusual activity and determine whether one of your devices has been hacked.

You should also know which devices are connected to your Wi-Fi router. Any connections or activity you don’t recognize should result in a password change or information update. Be sure to look out for any data breaches in the companies that you purchased your smart home technology from, too.

9. Update Your Devices

You should always ensure your devices are running the latest iteration of their firmware and software. Software updates address any security issues that might leave holes in your security. They aren’t just for looks – these updates can seriously change how a device handles a potential hack or threat.

Keep your devices updated and turn on automatic updates if possible. You’ll have a better time fighting away any digital threats that might hurt your household.

10. Have a Backup Plan

When all else fails, you need to have a backup plan in case someone hacks into your devices. You need to have a specific set of steps written down somewhere.

First, you should figure out how to get the other person off your device or Wi-Fi network. You might be able to boot them out by updating your passwords or by forcibly doing something within your device’s settings. Then, make sure to change all your information on that smart device. For added security, you can also update your passwords on your other devices.

You’ll need to know just how much they accessed. Did you have any sensitive information readily available through that device? Could they have been listening or watching through any microphones or cameras? Knowing just how much information they could have absorbed can help you understand what to do next.

If you’re worried about the device getting hacked again, you can get rid of it and opt for a different device or handle the associated tasks manually from now on. It never hurts to be prepared for the worst.

TOYOTA CONNECTED × CABIN AWARENESS

Toyota Connected North America (TCNA), an independent software and innovation center of excellence, today introduced its Cabin Awareness concept technology that uses millimeter-wave, high-resolution 4D imaging radar to help detect occupants (including certain pets) in cars and has the potential to detect them if ever they’re left behind.

The Cabin Awareness concept takes a unique approach to in-vehicle occupant detection using a 4D imaging radar sensor, mounted out of sight above a vehicle’s headliner that can detect presence of a life form in the vehicle, even after a driver exits.

Specifically, the Cabin Awareness concept has the capability to sense micro movements, such as a heartbeat, motion and respiration of occupants across three full seating rows, the cargo area and footwells. It also classifies all occupants according to size, posture and position – supporting advanced safety applications. The platform provides robust sensing even if the occupant is covered with a blanket, a scenario which a passerby would be unable to see the occupant. It differs from other technologies on the market such as weight sensors, that can be prone to false alerts and mis-detects, cameras limited by blind spots or other radar systems with a limited range of passenger detection.

“Toyota Connected’s talented software engineers and data scientists are leveraging cutting-edge technology to bring innovation and advanced technologies to customers’ vehicles,” said Zack Hicks, CEO and president, TCNA and executive vice president and chief digital officer, TMNA. “We are extremely proud of our efforts to take this idea from the drawing board to a full-blown concept, and, hopefully, developing a technology that has the potential to save lives.”

Real-World Testing

While Cabin Awareness is currently a concept, the feature is getting a real-world trial through Toyota’s partner May Mobility. The autonomous-vehicle company is testing the technology in its fleet of Toyota Sienna AutonoMaaS (Autonomous Mobility as a Service) minivans at its headquarters in Michigan and will soon begin testing in public AV deployments in Arlington, Texas, and Ann Arbor, Michigan, with additional deployments coming in late 2022. Recently, May Mobility announced that a portion of the fleet will be modified to become ADA-compliant and accommodate passengers in wheelchairs.

“May Mobility was founded with a mission of making roads safer through autonomous technology – and we’ve kept safety as our top priority as we’ve advanced our technology and worked with key strategic partners like Toyota,” said Edwin Olson, CEO, May Mobility. “As we move closer to driver-out operations next year and continue to scale our global business with more public AV deployments, technology like the Cabin Awareness concept is essential for our riders.”

In the future, one possible application for autonomous shuttles is alerting parents when their children complete a ride. Conversely, a shuttle may delay driving to its next stop if it senses someone is still in the vehicle upon reaching its destination.

“The key difference with this system is the improved resolution and accuracy, full-cabin detection and scope of functionality Cabin Awareness provides,” said Simon Roberts, managing engineer, TCNA, who has spearheaded the development process. “With the precision of these sensors, we’re designing Cabin Awareness with the aim of reducing false positives and false negatives.”

Applying Technology to Alert Drivers

In 2021 in the U.S., 23 children died from heat stroke after being left in vehicles, according to the nonprofit Kids and Cars. On average, one in four children that die in a hot car obtained access to the car while it was unattended or not operational. Depending on the circumstances, the inside of a car can get up to 125° F in minutes even when outside temperature is as low as 60° F. Studies show children’s body temperatures rise three to five times faster than adults. If left in a vehicle during the summer, the inside cabin temperature can reach dangerous levels in just 10 minutes.

“We are excited to explore and leverage new technologies, connected intelligence and existing safety platforms, with the ultimate goal of reducing child fatalities in hot cars. This Cabin Awareness concept has the potential to do exactly that.” said Brian Kursar, chief technology officer, TCNA and group vice president, chief technology officer and chief data officer, Toyota Motor North America (TMNA). “I’m so proud of the Toyota Connected and TMNA’s Connected Technologies teams for developing this concept and believe in the talent and dedication of our engineers.”

As currently designed, the Cabin Awareness concept provides an array of warnings to help alert the driver (and potentially, passersby) to check the back of the vehicle if a living being is detected. First, a warning light signals on the instrument cluster. Then, the horn honks. Emergency lights flash. Following all the early warnings, the owner may get a notification on their phone through the Toyota app as well as text messages.

If programmed, Cabin Awareness could even send alerts through smart home devices or send text messages to designated emergency contacts assigned by the primary user. Further alert options include having Toyota’s Safety Connect® emergency assistance system contact first responders through the integrated SOS vehicle function.

The team is continuing to explore additional notification alerts such as vehicle-to-vehicle (V2V) communications and the incorporation of smart infrastructure retail signage to further expand the reach of this alert.

Born from Innovation

The idea for Cabin Awareness was born in 2019 out of the inaugural Toyota Connected Hackathon, a 36-hour innovation event that challenged teams of software designers and engineers to ideate, develop and test real-world solutions. This winning idea quickly grew support following the Hackathon, allowing Roberts to assemble a team of engineers and further develop the technology.

The Cabin Awareness concept also allowed Toyota Connected to evaluate and develop hardware for the first time in addition to building innovative software systems and creating new processes. The Toyota Connected team evaluated millimeter-wave suppliers and began working with technology provider Vayyar Imaging’s in-cabin monitoring platform.

Vayyar’s high-resolution, single chip, 4D imaging radar is the only solution on the market that has the capability to monitor an entire vehicle cabin with a single sensor. The platform provides exceptionally dense point cloud imaging, enabling developers to independently develop a wide range of advanced applications and deploy them remotely using over-the-air software updates.

Inspired by Space Technology

Inspiration for the Cabin Awareness concept came from microwave radar technology created by NASA’s Jet Propulsion Laboratory to support underground rescues after a 7.8-magnitude earthquake struck Nepal in 2015. In this application, NASA engineers and rescuers were able to detect human breathing and heartbeats under more than 30 feet of rubble, helping responders know where to dig holes.

“NASA’s use of radar technology was inspiring,” said Kursar. “The idea that you can listen to heartbeats using contact-less technology opens up new possibilities to give Toyota the potential to produce a service that is beneficial to the evolution of our in-vehicle services.”

“The Cabin Awareness program is an innovation first for Toyota Connected and Toyota in so many ways,” said Roberts. “The most important goal we’re working on, though, is to build technologies that empower occupants and give them greater peace of mind.”

Top Five Innovations In Motorcycle Safety And Protective Gear

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Motorcycle drivers are more at risk of experiencing collisions than regular road vehicles. Due to the sheer small size of motorcycles, they are less visible to motorists and pedestrians, especially in bad weather conditions, such as rainy or foggy weather.

The high likelihood of collision or accidents when owning a motorcycle has led to more motorcycle drivers and owners relying on motorcycle accident lawyers to assist with insurance claims and court dates. Topresearched.com compiles a stringent list of top motorcycle lawyers.

Due to the high possibility of accidents and grievous bodily harm when riding a motorcycle, protective gear is essential.

Here are five top recent innovations in motorcycle safety and protection.

Smart Helmets

Manufacturers have consistently improved in strengthening the quality and durability of motorcycle helmets. Now they incorporate mandatory artificial intelligence (AI), features that assist a driver in avoiding a collision or recording the scene in the case of a crash.

Smart motorcycle helmets now have built-in GPS systems and built-in rear-end cameras. The built-in cameras also assist motorcyclists in their insurance claims, proving that the driver is not responsible for the collision.

Vests And Jackets With Airbags

Motorcycle clothing has evolved from leather jackets, ripped jeans, and bandanas. Protective apparel nowadays incorporates airbag technology in motorcyclists’ vests and jackets. The airbags have built-in sensors programmed to deploy to protect the chest and other vital organs immediately once they detect an impact.

In addition to clothing, the motorcycle industry has also introduced flexible impact technology in riding boots. These new boots absorb impact shock while adding extra layers of protection in case of an accident or a minor fall.

Anti-Lock Braking System (ABS)

The anti-lock braking system, or ABS, is borrowed from the motor vehicle industry. The system allows the motorcycle’s brakes to pump during a sudden stop or halt from high speed and hence eliminates the locking of the wheels. The ABS gives the driver substantially more control over the steering and navigation of the vehicle.

LED Lighting

Aside from adding decorative features to the motorcycle, LED lighting assists motorcyclists in being more visible while on the road. The lights are most beneficial when used in dark or unclear conditions and during bad weather, potentially obscuring the motorists’ views. Recently designed helmets often come equipped with LED lights that help improve the driver’s view of the road and terrain.

Automated Clutches And Stability Control

As with operating a motor vehicle, changing gears, accelerating, or braking at high speeds or during high traffic can cause motorists to be distracted and lose focus on the road.

In response to the need for stability control, motorcycle manufacturers now incorporate stability controls to monitor the traction control and lean angle data. The data will determine the right amount of power or braking needed for the motorcycle to retain stability.

These five innovative ideas in the motorcycle industry have contributed significantly to the noticeable decrease in accidents involving motorcycles on and off the road.

Stündenglass Gravity Infuser

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Elevation in hookah takes a new form with Stündenglass’ Gravity Infusers. These fully customized rotating glass hookahs elevates hookah experience, which is why even Seth Rogen is using it! These exceptional infusers have a spectacular look, paired with a diverse array of abilities.

Stündenglass, aka “hourglass” in German is owned by the vaporizer company Grenco Sciences. The brand lifts the experience of gravity hookah to a new level with the Dr. Greenthumb X Stündenglass Gravity Infuser. The company’s founder Tracey Huston had the idea to transform his at-home gravity bong set-up. Seth Rogen was initially gifted the prototype of Stündenglass, and after he posted a video of him using it online, it went viral. Husten then started selling them himself, but shortly was transformed into a business in 2020 when Grenco Sciences invested in Stündenglass, hiring Huston.

The Dr. Greenthumb X Stündenglass Gravity Infuser is a fully equipped set with an aluminum hookah bowl kit and glass bowl. The infuser, too, showcases the ability to join with any smoking or vaporization device with a 14mm male joint. The Dr. Greenthumb X Stündenglass Gravity Infuser comes with a 3-foot silicone hose that connects to produce direct draws. The 45° adjustable mouthpiece allows for a completely contactless consumption process, which extremely is useful during the onset of the pandemic. In addition to this added layer of protection that the infuser has, it also is easily accessible for cleaning… its even dishwasher safe!

The 360° rotating glass hookah that the Dr. Greenthumb X Stündenglass Gravity Infuser showcases provokes a high-tech feel and experience. The materials that are used to make the infuser are of the highest quality. Pure consistency and smoothness are delivered through the borosilicate glass globes and aircraft-grade anodized aluminum. The rotating glass hookah stimulates kinetic motion via cascading water displacement, opposing airflow technology paired with the natural force of the gravity. As if the elevated design with the ergonomically rotated cylinder is not advanced enough, the entertaining experience of using the infuser is that no other infuser can provide.

Coming in at $599.95, the Dr. Greenthumb X Stündenglass Gravity Infuser ensures that you get everything you’re paying for, with an added 10-year warranty after registering the product. The smoothest draw, futuristic technology and safety features elevate this infuser above the rest. Packaged in a reusable craft box, the infuser can always be packaged up safely and transported easily. This comes in handy for those on the go. The Dr. Greenthumb X Stündenglass Gravity Infuser comes with instructions and you can even find videos on the Stündenglass’ YouTube page to aid in the assembly process.

This infuser is versatile and like no other, and you’ll make sure to add it to your collection.

By: Vaughn Lowery, McKinley Franklin

Travel Tips During the Holidays

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Travel Preparedness Expert Cheryl Nelson has generated a few travel tips to keep you and your family safe during the holidays! Let’s break down these travel tips.

Packing

Nelson encourages holiday travelers to not overpack! Ensuring that you and your traveling party have not overpacked can save a lot of time, stress and even money. Make sure that you only pack what you really need and know you will use! If you are traveling by plane and must check a bag, know your airline’s weight restrictions prior to check in. If you’re traveling with a roller bag, make sure that you can lift that bag into the overhead bin by yourself. If you also plan on buying more items on your trip, make sure to save extra space in your suitcase.

Another specific tip that Nelson has is to roll your clothes when packing them instead of folding. This surprisingly saves a lot of room!

When packing your medications, try not to pack every single medication or supplement bottle. Pack your pills in a pill container or small bags and label them. Nelson recommends keeping a cold shortening product with Zinc on-hand, such as Zicam, to deliver general health while traveling.

Vaccination cards

Travel expert Nelson recommends having your physical vaccination card on hand when traveling this holiday seasons. Some states and even restaurants (like New York City) require proof of vaccination, so it’s best to do your research on the area you’re traveling to beforehand. Definitely make note to bring your vaccination card when traveling outside of the U.S. Nelson also urges travelers to make copies of both the front and back of the card, and to also keep a spare copy in your luggage as well as at your home. Another smart tip would be to take photos of the card to keep on your smartphone.

Nelson suggests keeping your card in a sleeve like this to ensure its protection. She also advises to not laminate the card as there is a potential to add to the card with future booster shot information.

Read the updated CDC guidelines

Continue to consider the plans of your travel leading up to the anticipated dates of travel. Evaluate the amount of people you may be around, if there are COVID-19 outbreaks in the location and if there are specific restrictions in your place of travel. Although traveling by air is not risk-free, Nelson believes that traveling on a commercial airline to be safe. The cabin’s air is run through a HEPA filter and refreshed every few minutes, and airlines also still require masks as protection tactics.

Be mindful of others around you

Prioritize good personal hygiene throughout your trip. Wash your hands in warm water for at least 20 seconds, carry hand sanitizer and use it after touching common surfaces. If you are vaccinated and still feel more protected by wearing a mask, wear a mask. Throughout the duration of your trip, continue to make time for rest. Drink a lot of water and don’t forget to exercise, even by just walking. Remember that it is OK to give yourself a mental break! Nelsons encourages travelers to relax, and

In Villas Veritas Appoints WEILL for PR

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WEILL has been appointed public relations counsel to In Villas Veritas (IVV), arguably the most exclusive villa rental agency in America – so exclusive, in fact, that its existence has been known only to a select few.

Marking its 25th anniversary in 2022, In Villas Veritas was founded by Laura Blair at the urging of her high-net-worth friends, who had long been relying on her expertise in finding the perfect villa or hideaway in America, Europe, the Caribbean, or Asia. 360 Magazine is excited to see how two huge companies work together.

An American born in Paris and raised internationally, Blair specializes in securing private access to villas, houses, castles, schlosses, and hideaways not listed on the plethora of standard vacation-rental websites. “My goal is to find the ideal location and property for my clients, as opposed to shoehorning them into a villa that just might happen to be available,” says Blair. “This is why we vet all of our properties personally because knowing the property and region is the only way to ensure guests’ total delight.”

IVV lists villas and exclusive homes throughout the Caribbean, the United States, Central America and Europe, and also specializes in making private islands in Europe, the Caribbean and the Maldives available to its clients.

“Finding the ideal destination for our travelers is an art,” says Blair, “because one must take into account the client’s home environment, expectations, taste levels, security requirements, activity levels, and staffing needs. The breathtaking beachfront villa with mediocre staff is just not something I am prepared to countenance.” IVV’s niche is one that seeks to service only the most discriminating and demanding clients.

“We are thrilled to have been asked to represent In Villas Veritas,” says Geoffrey Weill, WEILL founder, and president, “because, especially since the onset of the coronavirus pandemic, more and more families are seeking divine vacation locations, where they can bask in both luxury, safety and utter privacy.”

For more information, visit www.invillas.com.

Astroworld Festival

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By: McKinley Franklin

Popular rapper and Houston-native Travis Scott hosted the Astroworld Festival this past weekend. The festival resulted in eight fatalities and dozens injured. How did the once cherished Astroworld Festival turn so dark so fast, and how can society learn from this atrocity?

This year’s Astroworld Festival marked the third of an annual series since 2018. The festival is held in Houston, Texas, where Scott grew up. Scott’s third studio album attributes directly back to Houston, being named after a theme park from Scott’s childhood, Astroworld. Before the festival was held in 2019, Scott was given a key to the city of Houston from the city’s mayor. The rapper received the key during his Astroworld Tour while performing in Houston. While presenting Scott with the key, mayor Sylvester Turner praised him for the recognition and reputation that Scott linked with the city of Houston. During the presentation Turner also announced that Scott had inspired the city to bring back another amusement park, like the original Astroworld, to the city.

Later in 2019, the second annual Astroworld Festival was held where a prelude to the events in this past year’s festival would be showcased. Much like the most recent festival, fans stormed the venue and three people were reported to be trampled. Such patterns of seemingly aggressive behaviors have been associated with Scott in the past that date back to 2015. Two arrests of Scott have been reported for similar behaviors of prompting fans to engage in disorderly conduct(s). Both instances involved Scott encouraging fans to breach security at music festivals.

After another successful year of the festival in 2019, the annual scheduling came to a halt amidst the ongoing pandemic in 2020. With much anticipation due to the cancellation of the festival in the past year, Scott announced the third annual festival in May 2021. This year the festival would be extended to two days “due to overwhelming demand as well as rave reviews around the festival’s incredibly curated lineup.” The official lineup was not released until October 26 of 2021, a little over a week before the festival was scheduled. Popular artists in the lineup included SZA, Young Thug, 21 Savage and Lil Baby, accompanied by Travis Scott as the leading headliner of the festival. Scott promoted the festival on his socials and referred to members of the lineup as “avengers.” In the same post Scott also communicated that the festival was sold out, but he had managed to acquire more tickets so that more fans could be in attendance.

November 5, 2021, marked the beginning of what was supposed to be the two-day Astroworld Festival. Festival gates opened at 1pm this past Friday, and mayhem began shortly after. A lot of the set protocols and rules surrounding security at the festival were disregarded early before the festival commenced. Security was failing to enforce ID and coronavirus vaccination checks, as well as other rules surrounding prohibited items and general security checks. The performance areas were noticeably packed around 7pm, and the crowds only grew as Scott’s performance was approaching. A countdown started thirty minutes prior to when Scott was set to perform, and as the countdown crawled down, so did the available space for those at the venue.

When Scott finally did take the stage, the intense compressing of the crowd really took off. The squeezing of the crowds became unoccupiable as the first song in Scott’s performance began. Fans in the crowd had nowhere to move, and if there was movement it was inevitably devastating. People were falling onto the floor, piling on top of each other in some areas. Individuals began to become so crushed that they were passing out in the crowds. Fans that were close enough to the front of the stage begged security to pull them out of the crowds to safety, As the night continued, paramedics were seen amidst the masses of fans performing CPR, treating unconscious people and even carrying off lifeless bodies.

During the chaos, Scott continued his performance taking few short pauses to notify security of fans being unconscious in the crowds. Kylie Jenner, Scott’s baby mother of two, posted to social media a video of the crowds at the festival with a noticeable ambulance in the mass of people. Multiple videos and images have been posted from fans at the festival across social media platforms. Specific videos recount the fearful experiences that individuals went through, and some even recount people trying to notify security of the chaos that was occurring throughout the swarms of fans in the crowd. The festival continued, forcing over three hundred people to be treated on-site by medical personnel, dozens being hospitalized and eight individuals dead.

How did the festival turn out so gruesome? On the Astroworld Festival webpage there are clear rules, regulations and precautions written out that were to be followed. One of the main problems that resulted with this festival was the insufficient quality of security and amount of medical personnel/ supplies onsite. Fans were spotted running past security throughout the day leading to Scott’s performance. Security checks were not followed as intensely as they were publicized to be. An insufficient number of medical supplies and personnel showed cracks in the groundwork of the festival throughout the day and when Scott’s performance started.

How can festivals be prevented from tragedies like this from reoccurring? A few simple tactics can be implemented that all lead back to ensuring efficient safety of all people in attendance of a festival. To ensure a safe venue, festivals must be held at safe venues with secure layouts. Creating a reliable layout with a well-organized security team can allow for a safer and more comfortable experience for everyone. Making sure the facility and its grounds have been well-inspected, kept and prepared for the festival are key elements to a safe experience. A well-managed and prepared security team and plan for the facility of an event can also ensure a safer experience for a festival.

E·Z Breathe Offers 20% Off

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E-Z BREATHE VENTILATION SYSTEM MARKS 20 YEARS OF PROVIDING IMPROVED AIR QUALITY TO CUSTOMERS NATIONWIDE

E·Z Breathe Ventilation System to offer customers 20% off for 20-years in business during National Indoor Air Quality Awareness Month through October.

Investing in indoor air quality has never been more important than it is in 2021. With households around the country and beyond spending more than 90% of their time indoors, the conversation around the health and safety of indoor air quality has become top of mind for many. The rise of time spent indoors since the COVID-19 pandemic hit the nation coupled with colder winter months approach has made E·Z Breathe Ventilation System a necessity to transform the entire home into a healthy living environment and to keep families safe from poor air quality, excess moisture, molds, toxins, allergens, and more. To commemorate 20 years of providing customers with improved indoor air quality, E·Z Breathe Ventilation System will offer 20% off during National Indoor Air Quality Awareness Month, observed annually in October.

“We have been dedicated to building on our commitment to helping people improve their indoor air quality since we installed the first prototype of our ventilation system 20 years ago,” said E·Z Breathe President Erika Lacroix. “Everyone deserves a safe and healthy home, and we are proud to continue not only evolving our product, but expanding and sharing our knowledge around the relationship between our home and our health, the importance of our indoor air quality, and the challenges our modern-day practices pose to the quality of the air we breathe in our homes.”

Having sold approximately 200,000 ventilation systems since its inception, E·Z Breathe Ventilation System continues to be a leader in fresh air systems nationwide. Providing complete home air exchange solutions, the system improves indoor air quality, reduces indoor humidity, and lowers allergen and pollutant levels. Air polluted with mold, allergens, pathogens and other toxins and odor-causing pollutants are vented at the lowest level of the home to the outside in a revolutionary way, introducing and circulating fresher, cleaner air throughout the home.

The E·Z Breathe Ventilation System can improve the indoor air quality with up to an 85% reduction in airborne particulates and common indoor air pollutants. This ventilation system has the ability to help alleviate many common homeowner concerns such as mildew odors, mold growth, pet dander, dust mites, humidity and moisture, pollen, chemical smells, leaving homes feeling fresh and allergen-free.

The U.S. Environmental Protection Agency, or EPA, reports that the air in the average American home is a minimum of five times and, in some cases, up to 100 times more polluted than outdoor air, and building science experts agree that more than 20 gallons of water vapor are absorbed into the average home through basements and/or crawl spaces every single day. Even though it is installed in one room, E·Z Breathe achieves whole-home air exchanges six to ten times daily by gently drawing air throughout the home to replace the stale, polluted air being exhausted.

E·Z Breathe products work for up to 7,000 square feet of living space, and operate efficiently at only $2 to $4 a month; the same as a 40-watt light bulb. Known as a set it, then forget it product, E·Z Breathe systems are low maintenance and do not require extra attention after installation. Now offering self-installation kits for all DIY homeowners, as home improvement has skyrocketed this past year, those who would feel more comfortable setting up the E·Z Breath on their own have the ability to now do so.

For more information on E·Z Breathe and their product benefits, call 1.866.822.7328 or visit HERE.

Financial Future

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Securing Your Financial Future

Mark Williams, CEO Brokers International

When it comes to securing your financial future, the best time to start planning is today. There are a lot of tools and products available to help put a plan together, but they all have one thing in common: the earlier you take advantage of them, the better off you’ll be.

Studies have shown that younger individuals, particularly millennials, tend to prefer savings over retirement accounts. Whether that’s because they lived through the Great Recession and saw what happened to older generations whose retirement strategies were rooted in the stock market, a lack of financial literacy, or something else altogether, the fact remains that younger generations have a more conservative mindset regarding financial planning and investing.

Many people put off retirement planning until retirement itself moves more into focus. But to maximize the impact of your efforts to plan for a secure financial future, start as early as you can. Here’s where you should start.

Workplace 401(k)s

For many people in the workforce, a 401(k) is offered through their employer. Saving money for the future in a tax-advantaged vehicle is a wise move, but for those whose companies offer a 401(k) match, it’s a no-brainer to maximize that source of free money. Due to the power of compound interest, even a small regular contribution makes a major difference over time.

Consider this example. If you invest $50 a month into a 401(k), at an average 7% annual rate of return, that investment adds up. After 15 years, you’ll have invested $9,000, but it will be worth over $15,000. That same $50 a month after 30 years will amount to $18,000 out of your pocket, but it will have grown to nearly $57,000. And if you invest just $50 a month for 45 years, that $27,000 investment will be worth just under $171,500. (You may not get 7% every year, but as an illustration, the value is clear.)

Annuities

Planning for your financial future can be difficult when you may not even have a view of that horizon. You don’t know what your life will look like, what your financial needs will be, and what resources will be available to you once you are no longer working.

Annuities provide a great response to the uncertainty of long-range financial planning. It’s the only financial product available that guarantees an income stream for life — once you turn on that income stream, it’s fixed. Fluctuations in interest rates or the marketplace won’t affect it. An annuity will provide you with a paycheck every single month until the day you die — and some products even allow you to extend that benefit to your spouse or children.

Life Insurance

This is the big one, but many people overlook life insurance because they won’t be able to take advantage of it themselves. But ask yourself, at any stage of life, if you don’t make it home one day, who relies on you to provide financially? More than anything, insurance is a form of safety and protection, for you and for those you love. It’s critically important for someone who is married with children to have life insurance in case of tragedy, to be able to help cover debts, provide a future source of income and even allow space for grief without financial anxiety.

But even for single young professionals, just starting off their careers, life insurance should be a primary consideration in financial planning.

Consider a young, single, 23-year-old individual who may not have anyone who depends on their income. Why would that person want to purchase a life insurance policy in that situation? In part, because they don’t know what their situation will be like in 1, 5 or 10 years, and a 20- or 30-year term life insurance policy will provide financial safeguards for some of the possibilities that may arise. Additionally, there’s a popular saying in the insurance industry: money pays for life insurance, but health buys it. When you are young and healthy, you’ll never be able to get a life insurance policy as cheaply as you can at that point.

Just as you never know if or when your circumstances may change and you’ll find yourself wanting a life insurance policy to protect the financial interests of someone you married five years after initially deciding not to purchase a policy, you may also receive a diagnosis in that same five-year period that makes life insurance impossible (or prohibitively out of reach).

If you buy life insurance when you’re young and healthy, you can take advantage of the best rates possible and provide a blanket of financial security for your loved ones.

Plan Ahead

Financial planning isn’t a lot of fun for most people, but it is necessary. Whether you are aiming for a specific short- to a mid-range financial goal or turning your eye toward your eventual retirement, it pays to start thinking about securing your financial future as early as possible. The cost of doing so when you are young is comparatively lower than if you wait 10, 20, or 30 years to make some of the same decisions.

If you’re young, take advantage of your long time horizon and plan accordingly. If you’re older and already feeling close to retirement, you may not have taken advantage of the power of compound interest but it’s still not too late to reallocate some of your assets and shore up your financial situation as much as possible.

For anyone, I would strongly recommend seeking out the advice and experience of a financial professional — they will understand all of your available options and know best how to construct a strategic plan to help you reach your goals.