Inspiration for the
snowy days of
"We are nearer to spring
than we were in
4 reasons you should live
like you're broke
So you can pay off debt faster
I’ll tell you what, debt ain’t cheap. Anyone who’s ever had to throw an unexpected bill on a credit card knows this to be true. On the occasion this happens, if can sometimes feel like it takes all year to pay it off. If you’re living paycheck to paycheck, this can definitely be the case. If you’re spending less, this will give you a chance to pay down that debt a little faster than you’d normally be able to.
So you can save up for awesome experiences
We all enjoy buying “stuff”. Most the time that stuff isn’t around years later. Sometimes, we’ll remember that stuff we spent our money on years ago, and it seems ridiculous that we thought so highly of it. The things I remember most are people and places, and the experiences that come with it. Next time you want to splurge on an object, put that cash into savings and figure out the best way you can spend it on a memory that can last a lifetime.
So your children won’t treasure material possessions
If you never start your child on a path of needing to have the same things as the kid down the street, not only will they not feel like their self-worth is based on objects, but they might grow up appreciating the little things in life. They also may be a little more frugal when they’re spending their own money one day.
So you can simplify life
Things are nice, but life can be amazing even when it’s simple. Teach your children the value of saving money for the future. Show them there’s more to living than a daily trip to Starbucks or the mall. Eat at home more. Avoid using that credit card. Old-fashioned living can be quite satisfying.
John Pettit - Managing Editor CUInsight
Secure Your Web Cameras To Keep Others From Spying On You
May 20, 2015
It's difficult to find a computer, mobile phone, or even television without a webcam as standard equipment these days. They're certainly handy and have allowed us to be the selfie-taking society that we are, whether we like it or not, and give us the ability to video chat with those far away. However, this great technology also comes with some reservations and warnings: It can allow others to potentially spy on your every move.
There are some indicators, such as the little LED light to tell you you're being watched. But some hackers have figured out a way to activate the camera without that happening. Fortunately, that is a rare occurrence.
There are a few other precautions to take with regard to that camera.
- If you're not using the camera, cover it up with a piece of black tape or a sticky note so that even if it does suddenly click on, it won't show anything.
- If you can deactivate it in your settings, do so when not in use.
- Make sure you have anti-malware installed and updated on your computer. Also, make sure those patches and updates are applied when they are released.
- Don't open attachments or click links that are unsolicited. Many times, malware that allows for spying is within those.
- Keep the firmware on the devices updated as well. The manufacturers release those periodically and you should apply them. Check for updated versions the first time you install an internet-connected device as well.
- Don't forget to change the default passwords on internet-accessible devices in your home such as baby monitors or security cameras. Make sure those passwords are strong passwords that are a mixture of upper and lower case letters, as well as numbers and special characters. Also, don't use passwords you have used on other accounts such as your bank account.
- Any time you use a public computer, there is no guarantee it's free from malware, so if you don't want to be on camera when using those, put something over the lens.
What is a credit report?
When you make a payment on a credit card or loan,
the company that gave you the loan or credit
keeps a record of how much and often you pay.
Those companies and other sources also report
your credit, loan and payment history to one
or more credit reporting companies. The credit
reporting companies combine the information
from your different credit, loan and
payment reports into a single credit file.
Three nationwide companies
prepare credit files for people in the
U.S.: Equifax, Experian, and TransUnion.
A credit report is an organized list of the
information in your credit file. Credit
reports may include:
- A list of companies that have
given you credit or loans
- The total amount for each loan
or credit limit for each credit card
- How often you paid your credit
or loans on time, and the amount
Credit reports may also include:
- Companies that have asked to
see your credit report within a
certain time period
- Your address(es) and/or employers
- Other details of public record
A consumer disclosure contains some of the
same information as your credit report, but it
has more information. It includes your total history
of credit information. Some of this information
is not displayed on the credit report viewed
Under Federal law, you are entitled to receive
one free copy of your
credit report from each credit reporting company
every 12 months. For more information:
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