May 19, 2012

Keep Your Personal Information Secure

In today’s very connected world, it seems that so much knowledge is available with just a few keystrokes and the click of the mouse. However, there are some unsavory people out there who are using this connectivity to gain access to your computer. They can get access to a great deal of personal information including banking statements, taxes, medical records and a lot of other information. So how do you secure your computer — and your personal information – from prying, criminal eyes? Here are a few simple things to help keep you safe online:

• Make sure that your computer or laptop is secured with a password. Your password should not be something that can be easily guessed. Never use birthdays, addresses and the like.

• Keep your operating system up-to-date — especially those very important security updates. All major operating system vendors provide regular online updates.

• Install software that will keep your computer secure. These include anti-virus, anti-spyware, firewalls and so on. You may think that having a firewall will keep you safe; but this is not true. These programs don’t have to be expensive, some are even free; just do a little homework.

• Make sure these security programs are as up-to-date as your operating system.

• Make sure that all of your data is backed up o n a regular basis. This is important in case you are attacked by a virus or other security breach that completely destroys your computer.

• Make sure that you regularly scan your hard drive for spyware, malware and viruses. This should be done one a week at the very least.

• Don’t download anything from unknown sources. This can include email attachments and software applications from sources that are not familiar. If you don’t know the source, don’t trust it.

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How to Deal with the Dealers

Photo of Cormac O'Reilly, the Sales Guru.
Image via Wikipedia

Before heading to a dealership to buy a new or used car, remember salesmen are after one thing. Your money! Don’t get me wrong, not all are bad, but know what you’re getting into before stepping on that sales lot.

· Don’t let Smooth Talking get to You

Salesmen always know that right things to say to make you feel that you are passing up a sell of a life time. They may even say things in terms you may not understand. If this happens ask plenty of questions so that you are clean on terms, rebates, and taxes. Nothing is worse then getting bound by contracts with red tape.

· Know how much you can put down

When going to a dealer know how much you can afford to put down and tell them up front. This saves time with negotiations when you stand firm.

· Set Monthly Payments

Again, let the dealer know how much you are will to pay on your car. If that means they have to do some “fine tuning” on their end to make it happen, then let them! Remember that you are the customer. You have the upper hand.

· Don’t Buy into Upgrades

Dealers will lead you on to make you believe that you need all the bells and whistles for your vehicle; such as new tires, sound system, or even an extended warranty. After all, the more you buy puts money in their pockets. If you decided to, you can always upgrade later.

Keeping these tips in mind will help you make wise decisions when shop for that car. It’s your money that you spending and you have every right to utilize it the way you want. If you every get into a situation with a dealer, making you feel uncomfortable in anyway, find another dealership. There are plenty of them out there. With a little time and research, you can get the car you deserve!