Please don't hesitate to contact me if you have any questions or if I can assist you or anyone you know. Heading down the aisle? Money management advice for the soon-to-be-married (ARA) - Every couple planning a wedding knows that there are some argument-causing topics they just won't discuss. Maybe he'll leave the choice of wedding colors up to her, and she, in turn, won't comment on his best man's reputation. And neither will discuss the foibles of their future in-laws. Money, debt, and credit, however, should never be on that list of taboo topics for couples preparing to wed. In fact, financial experts and marriage counselors agree that honest, open communication about money matters is an essential element of a successful marriage. Hopefully, if you're about to exchange vows, you have at least a passing idea of each other's personal finances - and personal style when it comes to managing important issues like credit and savings. But before you finalize the guest list and decide on a honeymoon destination, you should discuss your current individual financial statuses, and how you'll manage credit as a married couple in the future. Full disclosure You may not see the romance in a credit report, but sharing your credit standing with your future spouse is an admirable - and necessary - gesture of commitment. Plus, it's an essential step toward planning your future financial course together, especially if you'll be buying a house or car, or funding an education for one of you. Websites like CreditReport.com make it easy to get the information you need to understand your credit score and how it works. Armed with this knowledge, the two of you can make informed financial decisions. Knowing how much debt each of you has, what shape your credit reports are in and how potential lenders might score your creditworthiness as a couple can help you make informed decisions about your financial future together. Agree on a style ... ... Or agree to disagree within reason. Two people can be so compatible they share the same taste in food, music, and clothing styles - and still disagree on spending and saving habits. Marriage is about compromise and this is one area where one individual can't have it all his or her own way. If one of you is a spendthrift who likes to account for every penny out of his paycheck each month, while the other has no idea how much her morning cup of Joe costs, you'll need to meet somewhere in the middle. Discuss how you'll keep track of spending and how much you'll save each month. Plan ahead Often, a couple's future spending goals rely on how well they manage their credit. You probably discussed where you'll live after you're married, and it's likely the idea of buying a house is on your minds - either soon or several years down the road. Planning how you'll manage credit in the early days of your marriage can help you work toward your mutual spending and saving goals. Monitoring your credit may make sense. In addition to alerting you to key changes in your credit reports and scores, credit monitoring sites like CreditReport.com can provide tips and tools to help you understand credit and keep track of your scores. Better understanding your credit can make you better able to work toward your mutual financial objectives. Keep perspective While money matters and co-managing your finances is important in a marriage, it's not the only thing that is. Financial management experts advise newlyweds to discuss finances, but put your relationship first. When money issues arise - and they do for most married couples - keep in mind that your approach to handling them needs to be a team effort. After all, you didn't get married for the money, you did it for love. Managing your money as a team can help ensure you have more time to think about what's really important - each other. For all life’s landmarks, | ||
Laura Glass 903-892-1800 ext. 3166 | ||
Friday, May 27, 2011
Heading down the aisle?
Tuesday, May 17, 2011
Memorial Day Event in Gunter TX
Poppy’s Memorial Day Weekend Event May 27th-30th
289 and FM121
Old-fashioned sodas, Rootbeer, Vanilla & Orange cream, sarsaparilla and black cherry sodas. Served in a collectable tin cup. Of course, his yummy shaved ice! Every sno cone sold, 50 cents to be donated to the Gunter Fire Dept. Awning, tables, and chairs. Hill Billy Golf and washers to pitch! Join in the fun Memorial Weekend.
Friday, May 6, 2011
Article I found helpful!
Please don't hesitate to contact me if you have any questions or if I can assist you or anyone you know.
 |
| Here's an article I found that I thought you might find valuable given that the malicious link to the OBL fake photograph is circling the internet. |
Please don't hesitate to contact me if you have any questions or if I can assist you or anyone you know.
Protect yourself in the online, social network community
(ARA) - More people than ever are taking part in social networking sites. Facebook alone has more than 500 million users, according to Facebook statistics. People have a lot to lose if the security of their social networking site is compromised. Their own personal, identifying information, and the information of all those they network with, could be at risk.
In addition, wide usage of mobile devices increases the possibility of virus infection and provides a new gateway to hackers and malicious codes in spam mails and websites around the Internet. Introduction to voice messaging services also provides a new medium for virus infection and hacking of personal data.
"Cell phones and laptops are revolutionizing the way we communicate in today's society," says Lyman Munson, vice president of risk services at Fireman's Fund Insurance Company. "It is imperative to protect your personal information when taking advantage of this wonderful, innovative technology."
Here are some top recommendations to help protect yourself and ensure a secure online experience in the world of social networking:
* Don't accept pop-ups or prompts for software, unless you're armed with Web scanner software which checks each site for infections prior to access.
* Don't provide, post, or submit any confidential personal data (e.g. banking details, medical records, full birth dates, home town, birth place, social security number, etc.). Social networking sites don't require this sort of information to join.
* Do change your password at least once a month. Don't change it if you're prompted to. This could be a malicious link.
* Avoid letting friends, peers, co-workers or staff access their social networks on your computer, and don't sign into your networks on their machines. Others could introduce infections to your computer through unsafe practices, or your login security could be compromised via cookies saved on your computer.
* Never auto save your password information, and clear your history at least once a week.
* It's not smart to accept friend requests or request friends who you personally do not know - even if they are mutual friends of others you know.
* Talk online about your vacation, whereabouts, etc. after you've returned home, not before you leave. Otherwise, it can be an invitation to thieves to stop by your house while you are away.
* Frequently check your privacy settings. Changes in the website/social network may delete your settings, without you knowing. Understand and maintain your desired level of privacy.
* Mobile apps are extremely popular. Find out if companies you are a customer of provide applications for you to use that are secure, such as claims or policy information with your insurance company.
* Take the time to learn how to use social network sites effectively. Each site has information on privacy settings and "how tos." Many sites help you with details on things such as setting up a variety of friends lists with varying privacy settings and avoiding relationship pitfalls, such as www.allfacebook.com.
* Parents need to be mindful of children's activity and protect computer systems from predators.
* Be mindful of what you say when responding or posting on your Facebook "wall." Remember, anything you say will will be seen by all friends and those out of your control when commenting on a friends wall.
* Don't share files on your laptop or mobile device. When you connect at a wireless hotspot, anything that you are sharing on your computer or device may be shared with anyone else connected to that network. Disable the file and printer sharing feature or pick the correct network type on your laptop or mobile device.
* Secure sites are best. Always look for the https:// and/or padlock symbol on your browser. Most browsers also allow you to hover over the site name to be sure that it is a verified web service.
* Restrict what you do on Wi-Fi. Don't do anything on Wi-Fi that you wouldn't want to share with anyone else. ARAcontent
In addition, wide usage of mobile devices increases the possibility of virus infection and provides a new gateway to hackers and malicious codes in spam mails and websites around the Internet. Introduction to voice messaging services also provides a new medium for virus infection and hacking of personal data.
"Cell phones and laptops are revolutionizing the way we communicate in today's society," says Lyman Munson, vice president of risk services at Fireman's Fund Insurance Company. "It is imperative to protect your personal information when taking advantage of this wonderful, innovative technology."
Here are some top recommendations to help protect yourself and ensure a secure online experience in the world of social networking:
* Don't accept pop-ups or prompts for software, unless you're armed with Web scanner software which checks each site for infections prior to access.
* Don't provide, post, or submit any confidential personal data (e.g. banking details, medical records, full birth dates, home town, birth place, social security number, etc.). Social networking sites don't require this sort of information to join.
* Do change your password at least once a month. Don't change it if you're prompted to. This could be a malicious link.
* Avoid letting friends, peers, co-workers or staff access their social networks on your computer, and don't sign into your networks on their machines. Others could introduce infections to your computer through unsafe practices, or your login security could be compromised via cookies saved on your computer.
* Never auto save your password information, and clear your history at least once a week.
* It's not smart to accept friend requests or request friends who you personally do not know - even if they are mutual friends of others you know.
* Talk online about your vacation, whereabouts, etc. after you've returned home, not before you leave. Otherwise, it can be an invitation to thieves to stop by your house while you are away.
* Frequently check your privacy settings. Changes in the website/social network may delete your settings, without you knowing. Understand and maintain your desired level of privacy.
* Mobile apps are extremely popular. Find out if companies you are a customer of provide applications for you to use that are secure, such as claims or policy information with your insurance company.
* Take the time to learn how to use social network sites effectively. Each site has information on privacy settings and "how tos." Many sites help you with details on things such as setting up a variety of friends lists with varying privacy settings and avoiding relationship pitfalls, such as www.allfacebook.com.
* Parents need to be mindful of children's activity and protect computer systems from predators.
* Be mindful of what you say when responding or posting on your Facebook "wall." Remember, anything you say will will be seen by all friends and those out of your control when commenting on a friends wall.
* Don't share files on your laptop or mobile device. When you connect at a wireless hotspot, anything that you are sharing on your computer or device may be shared with anyone else connected to that network. Disable the file and printer sharing feature or pick the correct network type on your laptop or mobile device.
* Secure sites are best. Always look for the https:// and/or padlock symbol on your browser. Most browsers also allow you to hover over the site name to be sure that it is a verified web service.
* Restrict what you do on Wi-Fi. Don't do anything on Wi-Fi that you wouldn't want to share with anyone else. ARAcontent
For all life’s landmarks,
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