Archive for March, 2008

Open Sesame!

Monday, March 31st, 2008

Your personal and financial information is only as strong as your passwords.

We’ve written about this on the blog before here and here but the best passwords include numbers, letters and symbols (i.e. 5RT!sm345@). Why? Because these take much longer to hack.

Lifehacker, a personal productivity blog, has also just reviewed a free online tool called The Password Meter. “The Password Meter web utility tests the strength of your passwords as you type it, scoring your password strength based on a number of positive and negative password attributes.” Give it a shot:

Have a site or software you’d like to recommend? Post it in the Comments section below!

Spring Cleaning Series: Day #4

Friday, March 28th, 2008

2210020.JPGIt’s the last day of our spring cleaning series! Looking for a few easy projects to tackle over the weekend? Look no further!!

Here are a list of projects that you can get done in no time:

1. Spring has sprung! If the weather’s nice, here’s a list of outdoor tasks you can do while you enjoy the sunshine.

2. Rain or bad weather got you stuck inside? Do a fire-safety roundup: organize and check the batteries in your smoke alarm, carbon monoxide alarm and all of your flashlights. (Don’t forget the flashlights in your home emergency kit!!)

3. Got extra time on your hands? We’ve been saying it all week but every firefighter, police officer or first responder we talk with says that a home inventory is the most important thing you can do for your family to prepare for the unexpected. So, what are you waiting for? Get started!

Thanks for reading our spring cleaning series. Check back next week for more helpful lifestyle and preparedness tips. Have a great weekend!

Spring Cleaning Series: Day #3

Thursday, March 27th, 2008

April showers bring…lots more showers and storms. Spring is certainly severe weather season.

Even if you don’t experience hurricanes or tornadoes where you live on a regular basis, severe weather and emergencies can happen anywhere, anytime. In fact, homeowners are 26 times more likely to be affected by a flood than by a fire!

So do what you can to get ready today! Here are some steps to get you started:

1. The essentials: make a “to-go” kit. Even if it’s just a knapsack with important papers, food, water and extra medications, that’s a great start. How to make your to-go kit.

2. Get out now! Time is extremely important in any emergency. Learn how to get out of your home in a hurry. Don’t have a lot of time? Watch this quick two-minute video which offers quick tips and strategies on how to exit your home.

3. Dig deep. Last year, we dedicated a month-long series to help you get ready for anything and everything. Don’t worry, you don’t need to do every task all at once! Just pick and choose what works for you and your family. Get ready for emergencies…

4. Disaster ready. Is your area typically prone to certain disasters? Brush up on your preparedness skills and knowledge with these helpful guides:

That’s all for Day#3! Tomorrow we’ll suggest quick tips and tasks you can easily tackle over the weekend.

Real-Life: Dorm Water Damage

Wednesday, March 26th, 2008

Lauren W., our College blogger, experienced a dorm “fire” at her university. Here’s what she learned:

About a month ago, 414 students were rudely awoken at two-thirty in the morning from their slumber to a chaotic scene. The students were pulled out of bed by loud alarms and ceiling sprinklers going berserk and had to trudge across the street to the other dorm. What caused this scene?

Three male students threw cigarettes in the bathroom’s trash bin without putting them out and the sprinklers immediately went off as soon as they sensed the smoke. They not only went off on the boy’s floor, but the other three floors of the dorm. It did not help when pipes burst and more water exploded into the hallways.

With all of this water coming into the hallways, it was unavoidable that innocent students would receive lots of water damage to their things in their dorms. One of my friends woke up to three inches of standing water, a destroyed laptop, and soaking wet clothing. Not only did he have to evacuate his room for four nights but he also had to bring his clothing to a dry cleaner and figure out the laptop dilemma.

My friend was not the only one who was put in this situation because of a group of boys who were not thinking about consequences. Thankfully, the university volunteered to reimburse all of the students who had property damage. However, it is still important to be aware that fires and other incidents can happen and how to protect your things if something were to happen.

So what can you do? Here are some steps you can take:

Plan Ahead: One of the top ways to guarantee your college belongings are safe is to talk to your insurance companies. Mine covers any damages to electronics and computers without any question for a low price every month. Most large electronic or computer companies will also offer insurance packages as well.

Keep Things Safe: When leaving the room, make sure to look around at what damage could possibly happen while you’re gone. Electronics being plugged in when they receive water damage can be harmful to the object as well as possibly letting of dangerous sparks to the rest of the room. If necessary, put you’re computer tucked away into a drawer. This way it will avoid damage and the possibility of it being stolen.

Organize: Keep as many things off the floor as possible. The floor is the first place where water damage would hit, so the less on the floor the better. Also, keep important items of clothing you wouldn’t want anything to happen in waterproof bins or dress bags.

College life brings along a lot more troubles than just school work - even other students cause a mini-disaster at any moment! When approaching college life, make sure your important belongings are safe from these unexpected twists and turns.

Thanks Lauren!! Have a tip or question for Lauren? Post it below! 

Spring Cleaning Series: Day #2

Wednesday, March 26th, 2008

Welcome back! It’s Day 2 of our week-long spring cleaning series. (Read Day #1 here!)

Spring cleaning can be a lot more than just cleaning out closets and putting winter items away: how about “cleaning” and organizing your financial house as well!

Pick a topic below and get started!

Insurance

Having adequate coverage is key, just in case the unexpected occurs. You never know when Mother Nature might cause a slight disruption in your life, so get ready!

1. How much is your home worth? Do you have enough insurance on your home to rebuild it if it is destroyed? Do you even know how to calculate the amount of insurance you need? Learn how to estimate your home’s value.

2. Am I covered? The more you know and understand about home insurance, the better you can insure yourself and your family in case of loss. Top questions to ask your agent…

3. Get extra coverage. Did you know that most home owner’s insurance policies only cover about $1000 worth of electronics and only $1500 worth of jewelry? Look into extra riders to make sure your possessions are protected…

4. Review your policy. There are about five key events that should trigger a review. The first one is…

Finances

1. Start an emergency fund. Unexpected medical bills, disasters, even car accidents - you should have a pool of money set aside for these little speed bumps of life. Learn how to get started…

2. Do a home inventory. It’s like “found money” - it can help you make your case to the insurance companies when filing a claim after a loss, theft or natural disasters. Learn more…

3. Write a will and name beneficiaries for major policies. Take care of your finances for your loved ones before it’s too late. Start today.

That’s Day 2! Check back tomorrow for tips on how to prep your home for the spring severe weather season ahead. Have a tip? Post it in the Comments section below!

Spring Cleaning Series: Day #1

Tuesday, March 25th, 2008

10_2502518.JPGOverwhelmed with spring cleaning? Can’t even begin to think about all those chores you have to do for your work, home or car?

Well, not to worry! Bookmark this page or come back and visit us each day this week - we’ll get you ready for spring in no time!

First things first: get organized at HOME!

1. Spring cleaning. For general cleaning, one of the best resources out there is Real Simple’s section devoted to this seasonal drudgery. If you’ve experienced a disaster, fire, or even water damage, you know that cleaning up after these messes requires a lot more work. Read our Start the Cleaning Process article for tips on tackling those dirty jobs.

2. Safeproof your home. As the temperatures rise, so do the number of home invasions. Take a few minutes to gloss over these home improvement tips and tasks you can easily do to keep thieves away.

3. Get organized. In order to do your taxes, you’ll need an organized space to do them. We asked home office organizing expert, Lisa Kanarek, to offer her top tips on getting organized - read her handy advice here.

4. Finally do that home inventory! Never done one? We’ve made it easy to get started…

That’s all for Day #1 of our Spring Cleaning Series! Check back tomorrow for advice on getting your insurance policies in order (including top tips from insurance agents!!).

Home Sales On the Rise

Monday, March 24th, 2008
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Existing home sales have risen by 2.9 percent, which is the first increase after six straight declines, according to MSNBC.

Thinking of buying a home? Selling your home? What to know:

-How Much is Your Home Worth?

-Home Inspection Tips

-Home Inspection: A Realtor’s Perspective

Fire Extinguishers: Top Tips

Thursday, March 20th, 2008

extinguisher.JPGA reader sent us a couple of questions after his fire extinguisher exploded(!) in his closet. Read through these top tips to learn a little more about that uncommonly used but necessary device:

1. Why do fire extinguishers explode?

Fire extinguishers are vessels under pressure. When the pin or handle are tampered with, the gases inside can be released. Make sure your fire extinguisher is mounted properly (often a metal bracket will come with the fire extinguisher) and store them away from heat sources.

If you have questions about your fire extinguisher, contact the manufacturer or your local fire department.

2. Are the materials inside toxic?

No. According to the City of Minnetonka, MN, fire department, “Dry chemical extinguishers are usually filled with mono ammonium phosphate, which is a nontoxic substance. However, large amounts of this powder in the air can cause breathing difficulties.”

Leave the room after an extinguisher has been discharged to be safe. The chemicals should be safe to clean afterwards. Questions? Call your local fire department.

3. How do I dispose of old fire extinguishers?

This depends on the local laws in your area as some might require certain disposal of extinguishers. Again, contact your local fire department or sanitation department to learn about proper disposal in your area.

Learn more about how to properly use fire extinguishers here.

New!! Cruises Section

Wednesday, March 19th, 2008

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Launched just in time for spring break - it’s our new cruise section! We’ve collected top tips and advice from cruise experts and travelers who’ve been to Europe, the Caribbean, even Antartica!

Here are my top favorite cruise tips we’ve collected:

1. Book a “repositioning” cruise, which may be cheaper.

This happens when a ship changes from it’s regular area. So, for instance, a ship that normally cruises in the Mediterranean in the summer needs to move to the Caribbean for the winter. The trip they take to get there stops at interesting places, not usually visited by cruise ships on a weekly basis
- Jacqueline Church Simonds, publisher of Happy Sails: The Carefree Cruiser’s Handbook.

2. Get on board.
Board the ship a few hours earlier than you’re told to, so you can settle in and enjoy lunch before the late-day departure. This tip was given to me by my brother (a veteran cruiser) before I embarked, and it gave me a jump start on my cruise experience!
– Melissa, NY, NY

3. Dealing with seasickness.

Once someone starts to get sick, it’s too late to start the [motion sickness] medicine at that point. It is ineffective after you’ve even started to slightly feel sick. Don’t be brave, take the medicine before setting sail and don’t stop until you are anchored.

Also, doctors on ships have a limited amount of medicine on board so bring your own medicines if possible. I forgot my sickness pills and I had to go to the ships’ doctor every day for a new day’s supply of medicine – Diana, Fremont, CA

Get cruising and read these new articles!!

Spring Has Sprung!

Friday, March 14th, 2008
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Have a little extra bounce in your step thanks to the warmer weather? Me too! That extra hour of sunlight in the evening sure does the trick.

In honor of Mr. Sun, here are a few preparedness tasks you can do outside while you enjoy the warmer weather this weekend:

1. Prep for severe weather:

2. Know your numbers:

3. Weekend warrior:

Have a great weekend!!

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