Spring Forward
Daylight savings begins March 11th and it’s time again to move your clocks forward one hour. You’ve heard that every six months when you "spring forward", it’s a good time to change the batteries in your smoke or carbon monoxide detectors, schedule an exterminator to spray for unwanted pests, flip your mattresses and repair any leaks around your house. But did you also know that computer experts recommend changing your passwords to critical computer and online areas twice a year as well?
Changing your passwords to log on to your computer or access critical stored information gets you in the habit of having a different one every so often. At the same time, it reduces the chance that someone else will be able to "break in" to your computer files or online information. Experts caution though that you shouldn’t "sequence" your passwords to make them easier to remember. If someone gets hold of an old password of yours, "green03," and it doesn’t work, it won’t take long for your average computer hacker to guess the new password is "green04" or "green05."
It’s a good idea to have different passwords for different things. This can be hard to do in practice because there are so many things needing passwords. Experts say having a couple different passwords can be helpful. Use one for less important things like your log on to the New York Times online or an Internet message board, and another, more complex one for more important things like your online banking or the place you store sensitive business documents on your hard drive.
Try to vary your passwords by using things that aren’t easy to guess or find out as your Social Security number, your birthday, or child’s name. Another good idea, experts say, is including both letters and numerals in passwords. A good way to do this is to substitute numbers that look most like the vowels for a, e, i and o. "A" can be "4", "E" can be "3", "I" can be "1" and "O" can be "0". A password for an "agent" might be "4g3nt." These letter/number combinations are harder to guess but also, harder for a hacker to remember if they somehow are able to see them very briefly.
Whatever you do to make it easy for you to remember your passwords but hard for others to guess, consider changing your passwords when you change your clocks, detector batteries and replace any broken sprinkler heads. You may be very glad you did
12 Important Questions to Ask a Contractor's References
First go to the Contractors State License Board http://www.cslb.ca.gov/ Under “Consumers” click “Hire a Contractor” you will find lots of good information there but the first thing to do is click “ Check a License or Home Improvement Salesperson (HIS) registration. Enter the name or License number of the Contractor and it will tell you if the License is in their name, if the license is in good standing, if they have insurance or are bonded and the history of complaints. If this information checks out you are ready to contact the references provided.
One of the most important elements of screening a contractor is speaking with the references provided. This is your project and the results can be good or bad depending on the amount of effort you want to put in. Here is a sampling of questions to get you started:
· What type of work did they do for you?
· Was this the first time they worked for you?
· Were you satisfied with their work?
· Did they communicate well with you? Before starting and during the project?
· Were they neat? Did they clean up on a daily basis? And after the job was completed?
· Was the job started and completed on time? If not, why not?
· Were they on time for appointments?
· Did they call you if they were going to be late for a scheduled appointment?
· Did you have any problems with their work? Did they address any problems in a timely manner? And resolve the issue to your satisfaction?
· Do you feel their pricing was fair?
· Would you use them again?
· Would you refer them to others?
All of these questions are important to get answered. Even if you think they don’t apply to you, ask them anyway to get a better feel for who you will be working with.
Let the homeowner do most of the talking, listen carefully for signs of being unsure of an answer. If you get negative responses to some questions be sure to ask the contractor about them if you are seriously considering hiring that contractor. After you have spoken to all of the references go over your notes to find the pros and cons of each contractor. This will help make your decision of who to hire much easier.
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Conquer your debt!
Today, the average American household carries about $9,000 in debt, which can hinder their ability to qualify for a mortgage or any other type of loan. Many people try to pay down some of their debt prior to applying for a loan – a task that’s easier said than done. However, American Express offers four easy steps that you can do to help manage your debt: Know what you owe. Make a list of all the credit cards, student loans and other debts you have and the monthly payments required for each. It's important to know how much money you have to pay out each month so that you can budget accurately. A solid budget is key to your get-out-of-debt strategy. It's easy to find budgeting planners and software online - or consider meeting with a financial advisor. Set smaller, more realistic goals. Instead of trying to reinvent your budget, look for practical ways to cut costs and get great value for your money. For example, cutting back on spending for clothes and dining out can be a more effective tactic than eliminating them altogether. Commit to saving money. One of the best ways to save more money is to have your contributions automatically deducted each month. You don't see the money, so you don't miss it. Commit yourself to a savings plan like a 401K or an IRA where you can arrange to have your contributions deducted automatically. Use a charge card - or cash - instead of a credit card to pay for purchases. Charge cards are payable in full each month and they have no interest payments or finance charges. Plus, charge cards can offer a number of valuable benefit and services, such as rewards and travel and retail protections, at no extra cost. |
Fall is not the time to neglect your garden! Here are a few tips we wanted to pass along to you which will help you ensure a beautiful, healthy yard.
For more tips visit these web sites:
www.yardcare.com