Holiday Shopping Tips for Your Spending Personality

by Kara Vincent @ LRRCU

Mon Nov 20 10:19:45 PST 2017

Although 41% of consumers report starting their holiday shopping in October or even earlier (Wow! Good for you!), an estimated 69% of Americans will shop over the Thanksgiving weekend. Early research from the National Retail Federation shows that the 2017 season will be a big deal, with holiday spending forecasted to be near $680 billion, up almost 4% […]

The post Holiday Shopping Tips for Your Spending Personality appeared first on LRRCU.

Who and What Is Coinhive?

by BrianKrebs @ Krebs on Security

Mon Mar 26 05:12:31 PDT 2018

Multiple security firms recently identified cryptocurrency mining service Coinhive as the top malicious threat to Web users, thanks to the tendency for Coinhive's computer code to be used on hacked Web sites to steal the processing power of its visitors' devices. This post looks at how Coinhive vaulted to the top of the threat list less than a year after its debut, and explores clues about the possible identities of the individuals behind the service.

Getting Out of Debt: You Can Do It and Here’s How to Get Started

by Liz Oliver @ LRRCU

Thu Jan 18 03:41:02 PST 2018

Most goals or resolutions that people set for themselves are neglected within a few weeks. It’s likely that this happens because people set far-reaching goals for themselves and then lose momentum when they don’t see results right away. A perfect example of this is the financial goal that many people set for themselves: getting out […]

The post Getting Out of Debt: You Can Do It and Here’s How to Get Started appeared first on LRRCU.

How to Plant in Poor Soils

by @ How to of the Day

Wed Mar 21 09:00:00 PDT 2018

Whether you want to grow flowers, trees, or vegetables, plants can add natural beauty to your yard. However, planting and growing plants may not seem so simple if your yard doesn’t have rich soil. Fortunately, there are several things you can do throughout the planting process to ensure that your plants thrive, including amending the soil with compost, planting the root ball properly, and/or choosing to plant specific plants that thrive in your particular soil type.

Friday 5 for March 16th, 2018

by GoSmallBiz @ GoSmallBiz

Fri Mar 16 05:30:38 PDT 2018

Before You Take Out a Loan, Slow Down! By Fran Tarkenton If something sounds too good to be true, it probably is. Cash flow pressure can be very intense, and we all run into unexpected problems that impact our finances, but when that happens… Watch video Appearance Still Matters By Will Adams You’ve probably heard […]

The post Friday 5 for March 16th, 2018 appeared first on GoSmallBiz.

How to Fix Yellow Tap Water

by @ How to of the Day

Mon Mar 19 01:00:00 PDT 2018

If you notice yellow discoloration in your tap water, you may worry about whether it is safe to drink and how to fix the problem. In most cases, however, yellow water is both harmless and easy to treat. Deciding whether your water provider or your internal plumbing has turned the water yellow is the first step to take. Then, once you've found the cause, hire a professional to help you decide on the best treatment option.

Do You Have the Licenses You Need?

by ADP @ GoSmallBiz

Mon Mar 26 05:30:19 PDT 2018

What kind of licenses will you need when you start your new business? We’ve put together a simple breakdown of the licenses and registrations you may need, include business registration, tax registrations, state business licenses, licenses to sell products, renewals, and more. Don’t let these basic requirements become a stumbling block to getting your new […]

The post Do You Have the Licenses You Need? appeared first on GoSmallBiz.

How to Transfer an Image Onto Glass

by @ How to of the Day

Tue Mar 20 17:00:00 PDT 2018

Putting an image onto a glass object—such as a glass, mason jar, mirror, or window—is a way to personalize and decorate your living space. You can transfer any type of image that has been printed from a laser printer, or that you find in a book or magazine. To transfer an image onto glass, fix adhesive packing tape to the image you’d like to transfer. Soak the image and tape in warm water, then remove the paper and stick the image onto a glass object. Alternately, you can use a gel transfer medium to move the image directly on to a glass surface.

Independent Thoughts: My civil war with perfectionism (part two) – how much is “too” perfect?

by Christian Hargas @ Webster Journal

Sun Mar 25 17:05:01 PDT 2018

This is my reality - and it's not perfect.

The post Independent Thoughts: My civil war with perfectionism (part two) – how much is “too” perfect? appeared first on Webster Journal.

Look-Alike Domains and Visual Confusion

by BrianKrebs @ Krebs on Security

Thu Mar 08 08:55:13 PST 2018

How good are you at telling the difference between domain names you know and trust and imposter or look-alike domains? The answer may depend on how familiar you are with the nuances of internationalized domain names (IDNs), as well as which browser or Web application you're using. For example, how does your browser interpret the following domain? I'll give you a hint: Despite appearances, it is most certainly not the actual domain for software firm CA Technologies (formerly Computer Associates Intl Inc.), which owns the original ca.com domain name: https://www.са.com/ Go ahead and click on the link above or cut-and-paste it into a browser address bar. If you're using Google Chrome, Apple's Safari, or some recent version of Microsoft's Internet Explorer or Edge browsers, you should notice that the address converts to "xn--80a7a.com." This is called "punycode," and it allows browsers to render domains with non-Latin alphabets like Cyrillic and Ukrainian. Below is what it looks like in Edge on Windows 10; Google Chrome renders it much the same way. Notice what's in the address bar (ignore the "fake site" and "Welcome to..." text, which was added as a courtesy by the person who registered this domain):

How to Change Your Name in Skype

by @ How to of the Day

Wed Mar 21 01:00:00 PDT 2018

This wikiHow teaches you how to change your Skype display name, which is the name people see when you appear in their contacts. You can change your Skype display name on the Skype website and on the mobile version of Skype, but you cannot change your Skype display name in the Skype program for Windows and Mac computers. You also can't change your Skype username without creating a new account.

How to Train an Australian Shepherd

by @ How to of the Day

Tue Mar 20 01:00:00 PDT 2018

Australian shepherds are herding dogs that are popular pets. They are very intelligent dogs that thrive when thoroughly trained. To train an Australian shepherd you should focus on rewarding good behavior and reinforcing training with repetition and consistency. With some time and effort, your Australian shepherd will be a wonderfully trained companion for years to come.

Prepaying Mortgage Does Not Make You Invest More In Real Estate

by Harry Sit @ The Finance Buff

Wed Jan 17 06:42:00 PST 2018

Your home does not know you have a mortgage.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

Prepaying Mortgage Does Not Make You Invest More In Real Estate is copyrighted material from The Finance Buff. All rights reserved.

How to Wait for an Exciting Event

by @ How to of the Day

Mon Mar 26 01:00:00 PDT 2018

It’s always fun to have an event to look forward to, but it can be hard to stay patient when you have to wait for something you’re excited about. The more you focus on the future event, the more you want it to happen right away. Fortunately, if you keep a busy schedule, try new things, and focus on the present, time will go by before you know it.

Who Is Afraid of More Spams and Scams?

by BrianKrebs @ Krebs on Security

Fri Mar 16 06:55:45 PDT 2018

Security researchers who rely on data included in Web site domain name records to combat spammers and scammers will likely lose access to that information for at least six months starting at the end of May 2018, under a new proposal that seeks to bring the system in line with new European privacy laws. The result, some experts warn, will likely mean more spams and scams landing in your inbox.

Before You Take Out a Loan, Slow Down!

by Fran Tarkenton @ GoSmallBiz

Thu Mar 15 10:30:26 PDT 2018

If something sounds too good to be true, it probably is. Cash flow pressure can be very intense, and we all run into unexpected problems that impact our finances, but when that happens the most important thing to do is to slow down, says Ami Kassar, author of The Growth Dilemma. The more anxious you […]

The post Before You Take Out a Loan, Slow Down! appeared first on GoSmallBiz.

How to Search Military Records

by @ How to of the Day

Sun Mar 25 17:00:00 PDT 2018

If you want to find military records, there are several ways in which you can do so. Keep in mind that limited military records are available to the public, so specific veteran records will only be released to the veteran or their next of kin.

How to Not Crumble When Your Small Biz Reaches 50 Employees

by Deborah Sweeney @ GoSmallBiz

Mon Mar 19 05:30:12 PDT 2018

Recently, I hit the 50 employee mark with my small business which is, in a word, awesome! When I think about how far we have come over the years, all of the offices we’ve worked out of, partnerships we’ve established with other like-minded companies, and talented faces that have joined our team, I can’t help […]

The post How to Not Crumble When Your Small Biz Reaches 50 Employees appeared first on GoSmallBiz.

Schwab Target Index Funds: Hidden Gems For Your IRA, Solo 401k, or Brokerage Window

by Harry Sit @ The Finance Buff

Tue Jan 23 06:52:00 PST 2018

Schwab has two sets of target date funds. Look for the word Index in the name.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

Schwab Target Index Funds: Hidden Gems For Your IRA, Solo 401k, or Brokerage Window is copyrighted material from The Finance Buff. All rights reserved.

How to Train an Abused Dog

by @ How to of the Day

Tue Mar 27 01:00:00 PDT 2018

Dogs who’ve suffered abuse may be withdrawn, depressed, inactive, and distrustful. While not all fearful and shy dogs have been abused, abuse can make the dog hesitant and nervous around humans. While it takes time to help a pup overcome its past, abused dogs can become loving pets if the right person comes into their life. If you’ve rescued an abused dog, then you’ll likely want to train it. Before you can train your dog, you need to take care of the dog’s health and safety so that it can learn to trust you. Then you will be able to housebreak your dog, teach it basic commands, and help it overcome its past.

Tariffs’ Tussle On Chinese Investments Mere Saber-Rattling?

by PYMNTS @ PYMNTS.com

Tue Mar 27 09:30:21 PDT 2018

In economics, it’s all fun and games until someone starts a trade war and loses some GDP. The steel tariffs have been levied. The aluminum tariffs are in place. The Trump administration had in weeks’ past looked to level a trading playing field on a global scale, yet without really taking aim at China. The […]

Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet]

by Kara Vincent @ LRRCU

Wed Nov 15 04:02:02 PST 2017

‘Tis the season to be jolly! ‘Tis the season for the gifts, decorations, family, friends, and children on their best behavior. ‘Tis the season for overloaded shopping bags, impulse buying, and credit card bills. Wait! That doesn’t sound as cheery. In 2016, according to a survey conducted by The American Research Group Inc., Americans spent […]

The post Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet] appeared first on LRRCU.

What Is Your Bank’s Security Banking On?

by BrianKrebs @ Krebs on Security

Tue Mar 06 13:24:17 PST 2018

A large number of banks, credit unions and other financial institutions just pushed customers onto new e-banking platforms that asked them to reset their account passwords by entering a username plus some other static identifier -- such as the first six digits of their Social Security number, or a mix of partial SSN, date of birth or surname. Here's a closer look at what may be going on (spoiler: small, regional banks and credit unions have grown far too reliant on the whims of just a few major online banking platform providers). You might think it odd that any self-respecting financial institution would seek to authenticate customers via static data like partial SSN for passwords, and you'd be justified for thinking that, too. Nobody has any business using these static identifiers for authentication because it's all for sale on most Americans quite easily and cheaply in the cybercrime underground. The Equifax breach might have "refreshed" some of those data stores for identity thieves, but most U.S. adults have had their static details on sale for years now. On Feb. 16, KrebsOnSecurity reader Brent Hoeft shared a copy of an email he'd just received from his financial institution Associated Bank, which at $30+ billion in assets happens to be Wisconsin's largest by asset size.

How to Become a Legal Permanent Resident of the United States

by @ How to of the Day

Wed Mar 21 17:00:00 PDT 2018

Becoming a legal permanent resident of the United States is a lengthy bureaucratic process. Once you determine your eligibility, you will need to find someone who can sponsor your application. Then, you and your sponsor will have to provide substantial evidence of your status, employment, or relationship. The process of becoming a legal permanent resident will generally take at least a year from the date you start filing, but successful applicants will finish the process with their Green Card, which grants permanent legal residence.

How to Keep a Dress Shirt from Riding Up

by @ How to of the Day

Thu Mar 22 01:00:00 PDT 2018

If you tend to have trouble keeping your shirt tucked in throughout the day, it may be time to try out a new method of holding it in place. First thing’s first—make sure that you’re wearing a dress shirt that’s been sized and cut specifically for your frame. You can then create a neat, trim profile by folding the excess fabric on the sides of the shirt before you tuck it in. If all else fails, invest in a pair of handy shirt stays or make the switch to a more casual untucked style.

Will and Trust Through Employer Legal Plan

by Harry Sit @ The Finance Buff

Tue Mar 27 06:52:00 PDT 2018

Using the legal plan through an employer works for simple estate planning.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

Will and Trust Through Employer Legal Plan is copyrighted material from The Finance Buff. All rights reserved.

How to Break Boards with Your Bare Hands

by @ How to of the Day

Thu Mar 22 17:00:00 PDT 2018

Learning how to break boards with your bare hands can be done right at home. Start by conditioning your hands to get them ready for striking, and make sure your board is set up properly and safely. By having confidence in your ability to break the board and following some simple strategies, you'll soon master the martial arts stunt of board-breaking.

Adrian Lamo, ‘Homeless Hacker’ Who Turned in Chelsea Manning, Dead at 37

by BrianKrebs @ Krebs on Security

Sun Mar 18 20:53:12 PDT 2018

Adrian Lamo, the hacker probably best known for breaking into The New York Times's network and for reporting Chelsea Manning's theft of classified documents to the FBI, was found dead in a Kansas apartment on Wednesday. Lamo was widely reviled and criticized for turning in Manning, but that chapter of his life eclipsed the profile of a complex individual who taught me quite a bit about security over the years. Adrian Lamo, in 2006. Source: Wikipedia. I first met Lamo in 2001 when I was a correspondent for Newsbytes.com, a now-defunct tech publication that was owned by The Washington Post at the time. A mutual friend introduced us over AOL Instant Messenger, explaining that Lamo had worked out a simple method allowing him to waltz into the networks of some of the world's largest media companies using nothing more than a Web browser.

Do You Know About the 2017 Tax Filing Extension?

by Liz Oliver @ LRRCU

Thu Mar 15 02:14:14 PDT 2018

The date April 15 is probably as quickly recognizable to most Americans as July 4 or December 25. Traditionally recognized as Tax Day, it’s the deadline for filing your previous year’s tax return.  With one month to go, you may be feeling the pressure and scrambling to get the task completed in the remaining days.  But […]

The post Do You Know About the 2017 Tax Filing Extension? appeared first on LRRCU.

How to Lose Fat With Weights

by @ How to of the Day

Sat Mar 24 09:00:00 PDT 2018

If you want to get rid of stubborn body fat, adding strength training to your exercise regimen can help. To start losing fat, create a consistent weekly routine to build muscle and burn calories. One effective way to lose fat is doing compound exercises, which will work out multiple muscle groups at once. Keep in mind that to lose fat, you must ultimately burn more calories than you eat. Thus, you should also incorporate other healthy weight loss practices into your life.

How to Lose Birth Control Weight

by @ How to of the Day

Fri Mar 23 09:00:00 PDT 2018

Gaining weight is a fairly common (and annoying) side effect of some methods of birth control. If you find yourself packing on the pounds after starting a new birth control routine, you might need to take some action. You can try exercising regularly and eating a balanced diet to help minimize the water weight your body may be retaining. You can also try talking to your doctor about your symptoms, or even switching to another form of birth control with fewer hormonal side effects.

Friday 5 for March 23rd, 2018

by GoSmallBiz @ GoSmallBiz

Fri Mar 23 05:30:00 PDT 2018

How to Not Crumble When Your Small Biz Reaches 50 Employees By Deborah Sweeney Recently, I hit the 50 employee mark with my small business which is, in a word, awesome! When I think about how far we have come over the years, all of the offices we’ve worked out of… 3 minute read Do […]

The post Friday 5 for March 23rd, 2018 appeared first on GoSmallBiz.

Treasury Bills vs CD vs Money Market

by Harry Sit @ The Finance Buff

Tue Feb 27 06:51:00 PST 2018

Treasury bills have become more competitive and more convenient than CDs.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

Treasury Bills vs CD vs Money Market is copyrighted material from The Finance Buff. All rights reserved.

Take A Class To Get Up To Speed On Personal Finance

by Harry Sit @ The Finance Buff

Tue Feb 06 06:46:57 PST 2018

Learning the right materials from the right source gets you onto the right track.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

Take A Class To Get Up To Speed On Personal Finance is copyrighted material from The Finance Buff. All rights reserved.

Know Your Limits

by Harry Sit @ The Finance Buff

Wed Mar 14 06:48:00 PDT 2018

Beware of overconfidence. It can cause great harm.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

Know Your Limits is copyrighted material from The Finance Buff. All rights reserved.

How to Wash High Windows

by @ How to of the Day

Sat Mar 24 01:00:00 PDT 2018

Cleaning high windows can be tricky, especially if they are above a sloped area or in a hard to reach spot. High windows also tend to get very dirty, especially if they have not been wiped or washed in awhile. Though you can hire a professional to wash high windows, doing them yourself can save you money and give you the satisfaction of maintaining them on your own. By using an extendable pole on a day that is not too sunny or hot, you can have clean, streak-free windows in no time.

How to Compare Handwriting Samples

by @ How to of the Day

Sun Mar 25 09:00:00 PDT 2018

Handwriting analysis is both an art and a science. Whether you want to compare handwriting samples for fun or for legal or forensic purposes, you’ll need a sharp eye. The first step is to obtain samples, which typically include a sample in question and several documents you know someone actually wrote. Examine each document individually, and look for formal, formatting, and stylistic quirks. Determine if samples share any of these subtle characteristics, and form a conclusion about the documents’ authorship based on your findings.

How to Cope with Nicotine Withdrawal

by @ How to of the Day

Fri Mar 23 01:00:00 PDT 2018

If you have been a smoker for a while, you may experience nicotine withdrawal symptoms—intense cravings, headaches, anger, trouble sleeping, and even anxiety or depression—when you attempt to quit. These undesirable side effects of quitting may tempt you to pick the habit back up. But, if you seek support, come up with a plan to deal with triggers, and practice good self-care, the symptoms will eventually subside. Hold out and give it time— you'll get through withdrawal and be smoke-free sooner than you think!

Are You Ready for Retirement?: Essential Information on IRAs and 401(k)s

by Kara Vincent @ LRRCU

Tue Aug 22 03:05:44 PDT 2017

While you’re young, you may not be thinking about saving for retirement. You’re probably more focused on paying off student loan debt, searching for a job, or buying a house. But, starting to save for your financial future early will only benefit you in the long run. Start your retirement planning as early as you can. Think […]

The post Are You Ready for Retirement?: Essential Information on IRAs and 401(k)s appeared first on LRRCU.

How to Treat Knee Inflammation

by @ How to of the Day

Mon Mar 19 17:00:00 PDT 2018

If your knee is red, swollen, sore, or warm to the touch, it is inflamed. Inflammation in the knee can be caused by a lot of different conditions, such as arthritis, tendinitis, bursitis, or an injury to the muscles or tendons around the knee. Once the knee is injured, inflammation begins as the knee starts to heal itself. Treating minor inflammation in the knee can usually be done at home with some general care and lifestyle changes. However, if you have ongoing or intense inflammation, you should seek out medical care.

A Solo 401k Is Not A Bigger IRA

by Harry Sit @ The Finance Buff

Tue Mar 06 06:24:00 PST 2018

A solo 401k is still a 401k. Know all the rules and keep it as simple as possible.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

A Solo 401k Is Not A Bigger IRA is copyrighted material from The Finance Buff. All rights reserved.

How To Be Financially Smart At Any Age

by Kara Vincent @ LRRCU

Thu Aug 31 08:18:27 PDT 2017

  As you go through the stages of life what it means to be “financially smart” will change. A smart financial move when you’re approaching your 40s is not the same as a smart financial move for a 19-year-old in college. At 40, there are more things to consider when making decisions about your money, […]

The post How To Be Financially Smart At Any Age appeared first on LRRCU.

15-Year-old Finds Flaw in Ledger Crypto Wallet

by BrianKrebs @ Krebs on Security

Tue Mar 20 10:19:11 PDT 2018

A 15-year-old security researcher has discovered a serious flaw in cryptocurrency hardware wallets made by Ledger, a French company whose popular products are designed to physically safeguard public and private keys used to receive or spend the user’s cryptocurrencies. Hardware wallets like those sold by Ledger are designed to protect the user's private keys from malicious software that might try to harvest those credentials from the user's computer.  The devices enable transactions via a connection to a USB port on the user's computer, but they don't reveal the private key to the PC. Yet Saleem Rashid, a 15-year-old security researcher from the United Kingdom, discovered a way to acquire the private keys from the Ledger devices. Rashid's method requires an attacker to have physical access to the device, and normally such attacks would fall under the #1 rule of security -- namely, if an attacker has physical access to your device it is not your device anymore.

How to Keep Spiders Out of Your House

by @ How to of the Day

Tue Mar 27 09:00:00 PDT 2018

Finding 8-legged friends in your house can be unsettling, especially if you aren’t a fan of living around insects. You can keep spiders from burrowing and spinning webs in your home by applying natural remedies like vinegar and essential oils. Maintaining a clean, well sealed home can also prevent spiders from taking up residence in your space. With the right approach, you can keep spiders out of your home easily and effectively.

Why Small Businesses Should Think About Cybersecurity

by ADP @ GoSmallBiz

Tue Mar 20 05:30:49 PDT 2018

Cybersecurity isn’t just a concern for the big companies. It affects businesses of every size, and as many as half of all small businesses experienced cybersecurity issues in the past year alone. We’ve debunked some of the most common myths you’ll hear about small business cybersecurity, all in our latest post on our blog, including […]

The post Why Small Businesses Should Think About Cybersecurity appeared first on GoSmallBiz.

4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet]

by Kara Vincent @ LRRCU

Thu Dec 28 00:09:30 PST 2017

Who says resolutions have to start on New Year’s Day?  Get yourself started whatever day you feel inspired.  Here are few important financial goals that you can begin whether it’s January 1, August 1 or a random Tuesday in November. #1: Look at the Financial Big Picture – Use Our Family Budget Worksheet You feel […]

The post 4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet] appeared first on LRRCU.

How to Develop Film in a Darkroom

by @ How to of the Day

Mon Mar 26 09:00:00 PDT 2018

Film photography is a great way to capture personal, unique, and long-lasting photographs. The first step in turning the captured exposures on your film camera into physical prints is developing the film. Taking the time to develop your film correctly is critical if you want your prints to turn out beautifully. To develop your film, you'll need some basic photography tools and chemicals, as well as access to a dark room.

Kirkwood city leaders believe racial divide did not play part in shooting

by Haley Walter @ Webster Journal

Wed Mar 21 06:54:47 PDT 2018

On the ten-year anniversary of the Kirkwood City Council shooting, two groups held separate memorials. The reasons for the memorials, and the causes leading up to the shooting, differed completely from each group.

The post Kirkwood city leaders believe racial divide did not play part in shooting appeared first on Webster Journal.

Discover Phase: FitPay Adds Major Payment Network To Platform

by PYMNTS @ PYMNTS.com

Tue Mar 27 09:00:43 PDT 2018

FitPay, the startup technology platform that adds contactless payment capabilities to wearable and IoT devices, has announced a partnership with Discover. Co-founders Michael Orlando and Chris Orlando told PYMNTS that adding this third major payment network to the FitPay platform will allow device partners and end users to add digitized Discover cards to their accounts, […]

How to Track Mileage Without an Odometer

by @ How to of the Day

Mon Mar 26 17:00:00 PDT 2018

Whether you’ve got a busted odometer or you’d just rather not have to do a lot of mental gymnastics to calculate your annual mileage for work-related tax deductions, there are a couple simple ways to find out how many miles you’re averaging. Downloading a mileage tracker app for your smartphone can take all the guesswork out of adding up your drive time by automatically ticking off the miles while you’re on the road. If you only make the occasional business trip, consider simply plotting out your route and recording the estimated distance in advance.

How to Stop Fighting With Your Brother or Sister

by @ How to of the Day

Fri Mar 23 17:00:00 PDT 2018

Fights between siblings are inevitable, even if they can be frustrating. If you and your sibling want to stop fighting, there are a few strategies you can try before, during, and after a fight. You may be family, but with a little effort, you can get along like friends!

Financing A New Home: Answering Homebuyer Questions

by Kara Vincent @ LRRCU

Mon Mar 12 07:40:38 PDT 2018

Finding the perfect new home can be hard work, but now you also have to navigate the mortgage financing process. There are many questions that arise when it comes to financing a new home. Below we’re answering four questions about financing a new home that homebuyers commonly ask. 1. Should I Be Pre-Qualified or Pre-Approved? […]

The post Financing A New Home: Answering Homebuyer Questions appeared first on LRRCU.

How Do You Reward Your Loyal Customers?

by Shep Hyken @ GoSmallBiz

Tue Mar 27 05:30:54 PDT 2018

We’ve all seen businesses offering special incentives for new customers. If you’re a loyal customer to one of those companies and you see one of these offers that’s not available to you, how does that make you feel? You’re likely to wonder, “Isn’t my loyalty worth something?” Consider the message you’re sending to existing customers […]

The post How Do You Reward Your Loyal Customers? appeared first on GoSmallBiz.

How to Activate Night Shift on an iPhone

by @ How to of the Day

Tue Mar 27 17:00:00 PDT 2018

This wikiHow teaches you how to turn on Night Shift on your iPhone, as well as how to schedule Night Shift to automatically come on during certain hours of the day. Night Shift is a blue-light filter that helps prevent interruptions to your circadian rhythm at night, which can improve your sleep.

Target Date Funds Are Underrated

by Harry Sit @ The Finance Buff

Tue Feb 20 06:35:00 PST 2018

The one unique advantage of a target date fund can overcome all its flaws.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

Target Date Funds Are Underrated is copyrighted material from The Finance Buff. All rights reserved.

How Early European Carshares Inspired Zipcar

by PYMNTS @ PYMNTS.com

Tue Mar 27 08:00:55 PDT 2018

In 1948, a cooperative in Switzerland brought an innovative transportation solution to life: The group, which was known as “Sefage,” created the world’s first carshare program. “This early effort was mainly motivated by economics,” Susan Shaheen, Daniel Sperling and Conrad Wagner wrote in Transportation Quarterly in 1998. “Individuals who could not afford to purchase a […]

Editorial: A mass shooting 4.6 miles away impacts us all

by The Journal @ Webster Journal

Wed Mar 21 18:16:20 PDT 2018

No matter how far away, a mass shooting can impact everyone. And, as reporters, it is our job to share the truth from all sides of the story, no matter how painful or difficult.

The post Editorial: A mass shooting 4.6 miles away impacts us all appeared first on Webster Journal.

Checked Your Credit Since the Equifax Hack?

by BrianKrebs @ Krebs on Security

Sun Mar 11 11:51:08 PDT 2018

A recent consumer survey suggests that half of all Americans still haven't checked their credit report since the Equifax breach last year exposed the Social Security numbers, dates of birth, addresses and other personal information on nearly 150 million people. If you're in that fifty percent, please make an effort to remedy that soon. Credit reports from the three major bureaus -- Equifax, Experian and Trans Union -- can be obtained online for free at annualcreditreport.com -- the only Web site mandated by Congress to serve each American a free credit report every year.

Survey: Americans Spent $1.4B on Credit Freeze Fees in Wake of Equifax Breach

by BrianKrebs @ Krebs on Security

Thu Mar 22 07:08:46 PDT 2018

Almost 20 percent of Americans froze their credit file with one or more of the big three credit bureaus in the wake of last year's data breach at Equifax, costing consumers an estimated $1.4 billion, according to a new study. The findings come as lawmakers in Congress are debating legislation that would make credit freezes free in every state. The figures, commissioned by small business loan provider Fundera and conducted by Wakefield Research, surveyed some 1,000 adults in the U.S. Respondents were asked to self-report how much they spent on the freezes; 32 percent said the freezes cost them $10 or less, but 38 percent said the total cost was $30 or more. The average cost to consumers who froze their credit after the Equifax breach was $23. A credit freeze blocks potential creditors from being able to view or "pull" your credit file, making it far more difficult for identity thieves to apply for new lines of credit in your name.

‘American mom’ hosts fundraiser for former Webster University student in ICE detainment

by Andrew McMunn @ Webster Journal

Tue Mar 27 09:14:52 PDT 2018

A fundraising event held in the Webster University Center allows for student the opportunity to learn about a former student's detainment. They can also make donations to his cause.

The post ‘American mom’ hosts fundraiser for former Webster University student in ICE detainment appeared first on Webster Journal.

Flash, Windows Users: It’s Time to Patch

by BrianKrebs @ Krebs on Security

Tue Mar 13 12:36:28 PDT 2018

Adobe and Microsoft each pushed critical security updates to their products today. Adobe's got a new version of Flash Player available, and Microsoft released 14 updates covering more than 75 vulnerabilities, two of which were publicly disclosed prior to today's patch release. The Microsoft updates affect all supported Windows operating systems, as well as all supported versions of Internet Explorer/Edge, Office, Sharepoint and Exchange Server. All of the critical vulnerabilities from Microsoft are in browsers and browser-related technologies, according to a post from security firm Qualys.

Consultant’s Corner: How Much Does It Cost to Replace an Employee?

by Bill Wortman @ GoSmallBiz

Thu Mar 22 10:30:02 PDT 2018

Q. How do I calculate the cost of replacing an employee? Employee turnover is the attrition of employees through voluntary or involuntary terminations. Employee turnover results in costs (internal and outside services) to the employer, including those for employee separation/departure, lost productivity, recruiting and hiring replacement employees, orientation and training of new employees, etc. While […]

The post Consultant’s Corner: How Much Does It Cost to Replace an Employee? appeared first on GoSmallBiz.

How to Share Folders on Dropbox

by @ How to of the Day

Sat Mar 24 17:00:00 PDT 2018

This wikiHow teaches you how to share a Dropbox folder with another person via email. Sharing a Dropbox folder with another person will allow them to view and edit the folder's contents from their own Dropbox account. You can share Dropbox files with people on both the Dropbox website and the Dropbox mobile app.

Do Your Verbals, Vocals, and Visuals Match?

by Will Adams @ GoSmallBiz

Thu Mar 22 05:30:58 PDT 2018

While email, texting, and instant messaging have improved our ability to communicate quickly, our overreliance on them may be undermining our ability to communicate successfully. Countless research studies have shown that we communicate most effectively in real-life, real-time conversations. Albert Mehrabian, Professor Emeritus of Psychology at UCLA, has conducted numerous experiments dealing with the communication […]

The post Do Your Verbals, Vocals, and Visuals Match? appeared first on GoSmallBiz.

Financially Comfortable and Pivot

by Harry Sit @ The Finance Buff

Tue Mar 20 06:40:00 PDT 2018

Pivoting when you are financially comfortable offers a safer and more enjoyable path to a second childhood.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

Financially Comfortable and Pivot is copyrighted material from The Finance Buff. All rights reserved.

How to Wash Jeans by Hand

by @ How to of the Day

Thu Mar 22 09:00:00 PDT 2018

Hand washing is a great way to extend the life of your favorite pair of jeans. It is a gentler process than machine washing and prevents, or at least slows, the fading and break down of fibers. Choose between hand washing your jeans in cool water or spot cleaning.

How to Get a Job As a Mortuary Makeup Artist

by @ How to of the Day

Sun Mar 25 01:00:00 PDT 2018

Mortuary makeup artists apply makeup to the deceased for public viewings. This line of work is also known as “desairology.” To begin a career in mortuary makeup, you’ll need to attend Mortuary Science School or Cosmetology school. Since you must either be a licensed mortician or cosmetologist to work with dead bodies, you’ll then need to apply for and pass your state’s licensing exam. Start finding jobs by offering your services at local funeral homes and salons. At the end of the day, this job can be unusual and difficult, but it can also incredibly rewarding to bring some peace to a grieving family.

2017 2018 2019 Federal Poverty Levels (FPL) For Affordable Care Act

by Harry Sit @ The Finance Buff

Thu Jan 18 18:36:00 PST 2018

The Federal Poverty Levels (FPL) is used to determine the premium subsidy tax credit under the Affordable Care Act. You should know where the cutoff is.

Say No To Management Fees

If an advisor is charging you a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice: Find Advice-Only.

2017 2018 2019 Federal Poverty Levels (FPL) For Affordable Care Act is copyrighted material from The Finance Buff. All rights reserved.

Changing The Direction Of Debt Collection

by PYMNTS @ PYMNTS.com

Tue Mar 27 10:45:42 PDT 2018

Debt collectors are historically an unpopular group of people. Even the Bible has shade to throw their way. (Debt collectors, Biblically speaking, share a category with adulterers, swindlers and the unjust.) Part of that is the nature of the beast. Spending money is a good deal of fun. Repaying money is not. No one wants to […]

Safe Online Banking: For You & Your Money

by Kara Vincent @ LRRCU

Mon Mar 26 13:44:22 PDT 2018

From 24/7 account access to quick and easy bill paying, online banking offers members a convenient way to handle their finances. However, the rise of technology also brings an increase in potential hackers, scams, and fraud cases. Whether you’re looking to shield your small business or family’s finances, there are many strategies to stay vigilant […]

The post Safe Online Banking: For You & Your Money appeared first on LRRCU.

How to Organize a Small House

by @ How to of the Day

Mon Mar 19 09:00:00 PDT 2018

When you’re living in a tiny house, efficiency apartment, or other compact abode, you’ll need to make the most of each nook and cranny to ensure you have enough room for everything. Thankfully, there are plenty of tricks you can use to maximize your space without compromising on style.

Are You a Victim of the Customer Service Gap?

by Shep Hyken @ GoSmallBiz

Wed Mar 21 05:30:46 PDT 2018

Sometimes, you want to have a gap—a gap between you in front and your competitors far behind. But other times a gap is dangerous, particularly a gap between the service you think you’re providing and what your customers actually think of your service. Surveys have found that as many as 80 percent of companies think […]

The post Are You a Victim of the Customer Service Gap? appeared first on GoSmallBiz.

How to Dress Up Jeans

by @ How to of the Day

Tue Mar 20 09:00:00 PDT 2018

While jeans are traditionally considered casual wear, the right pair can easily be dressed up for your next Casual Friday, romantic date, or night out with friends. As long as you start with the right jeans, you can create a dressy look with the right top, shoes, and accessories.