RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

A Resolution You Can Keep All Year: The One-Day Identity Checkup

January 5, 2015 1:09 am

(BPT) - Exercise. Lose the weight. Answer every incoming email.

Those are the hard kinds of New Year's resolutions, because you have to think about them every day for the rest of the year. Many are forgotten long before Valentine's Day.

But here's one important resolution, one you can fulfill today and easily keep all year: protect your identity.

Identity theft is a fast-growing crime, but there are ways to reduce your chances of being a victim. The identity theft protection experts at LifeLock recommend doing these five quick things today to help keep your identity safer all year long:

Use safe passwords

Are you among the people who use simple passwords like "123456" or "qwerty" or "abc123" to protect your personal information? Or even the word "password" itself? Many people do, so identity thieves can often break in just by trying the most popular passwords.

To create a safer password, avoid using words that are in the dictionary. And stay away from your own personal information, like a nickname, pet's name or birthdate. One option is to come up with a memorable phrase that includes numbers and symbols, and use the first letter of each word. "My Tigers are Number One in Football!" might become "MTaN1iF!" - a good example because it uses capital letters, lower-case letters, a number and a symbol.

Use multiple passwords

Stop using the same password for every account. Several big companies and websites have recently had their users' personal information stolen by hackers. If your password for one site is compromised, and you use the same password for your bank and credit accounts, it's much easier for a thief to get into all of them.

At least have a different password for each account that has personal or financial information. And consider using a password-management program, which lets you set more cryptic passwords for each site you visit and control them with one master password.

Stash that Social Security card

Do you carry your Social Security card in your purse or wallet? Don't.

You may, on a rare occasion, need to show a Social Security card to an employer or a government agency. Aside from those days, keep it locked up in a safe place. Your Social Security number is a thief's ticket to everything from opening new accounts in your name to stealing your tax refund. Don't run the risk of losing it.

Protect your mail

Do your bank statements, credit card bills and utility invoices arrive by mail? If your mailbox is outside your house, thieves can take those bills and collect personal information that helps them steal your identity. And once those documents are in your house and no longer needed, they can be stolen from a trash can or recycling bin.

First, if your mail is delivered outside your home, install a locked mailbox. And use a shredder, or the shredding services offered by local shipping stores and some credit unions, to destroy documents once they're no longer needed.

But you can also take steps to keep that paperwork from ever arriving at your home in the first place. Have bills sent to you electronically; you'll get them by email, save paper, reduce clutter and never have to worry about stolen mail or shredding. Opt out of credit card and insurance offers by visiting www.optoutprescreen.com. And dramatically reduce the amount of unsolicited mail you receive by opting out of junk mail at www.dmachoice.org.

Be prepared for a loss


If your wallet or purse is stolen, you'll want to cancel all of your credit and debit cards before they can be misused. Keep a copy of each of your cards, or use a digital wallet program like LifeLock Wallet, which is available for your smartphone from the iOS and Android app stores. It gives you instant access to copies of your cards and also helps you track your balances, monitor transactions and cancel cards that are lost or stolen.

Do these things today and you can proudly declare that you'll keep at least one New Year's resolution all year long: Protecting your identity.

Source: LifeLock

Published with permission from RISMedia.


Tags:

Spruce Up Your Home this Year

January 1, 2015 1:00 am

(BPT) - Making a New Year's resolution is common, and many people set goals for ways to improve themselves. If you have set a goal to lose weight, learn a new skill or get promoted, congratulations. But while you are striving to attain your personal goal, have you ever thought of setting a goal to refresh your home in a way that will have your friends talking?

Setting a home improvement goal is more common than you may think and you can make a dramatic improvement to your home with a complete remodel. You can take on several smaller projects - any time of the year - that will leave you loving your home all year long. Here are a few ideas to get you going.

* A fresh coat of paint. Nothing reinvents a room like a fresh coat of paint. Yet many people put off painting a room because they can't afford professional painters and they don't have time to do the job themselves. But you can achieve that professional quality finish at a fraction of the time and cost by visiting RentalHQ.com and renting your own paint sprayer. Use your sprayer to add a neutral color, which provides visual appeal and works with most furniture patterns, leaving you plenty of decorating options.

* Change hardware. Faucets and cabinet hardware can quickly date a room. Replacing hardware can add beauty to your kitchen without adding a lot of extra cost. Be sure to find knobs and pulls that are the same size as the existing ones so you don't have to re-drill the cabinets. Do this for any furniture and in any room for an instant decor face-lift.

* Replace old tile. Outdated tile can make a bathroom look old and dull. Replacing it with new tile that is in style will give the space a rich, modern look. Tiling is a DIY project that anyone can tackle with the right tools. Rent the necessary items like a tile stripper, a tile saw and a mortar mixer to keep your costs down.

* Update curtains and blinds. Textiles play a major role in the overall decorating scheme of a room. New window treatments offer an inexpensive way to introduce bold color and patterns for an instant refresh. Pair your new curtains with decorative throw pillows for a striking impact to the living room.

* Recreate your flooring. If your carpet doesn't need to be replaced but it could use a little refreshing, cleaning your carpets will do the trick. If you can't afford to hire professional carpet cleaners or you feel like taking on the project yourself, renting a carpet cleaner can give your carpets the professional look you've been dreaming of. And if you have hardwood floors that need to be refurbished, renting a floor sander is an excellent first step for this project.

Home improvement projects do not have to include a complete overhaul to provide a new look. These smaller projects will dramatically improve your home all year long. To learn more about the tools you can rent for your next project and to see more ways those tools can help you, visit rentalhq.com.

Published with permission from RISMedia.


Tags: