The John Tesh Blog

Trick your teen? The treat you'll find is better communication.

It’s a fact: teens trick their parents from time to time. Experts say it’s normal for teens to stretch rules, take risks and try out some trickery (just think back to when you were a teen- go ahead- breathe that sigh of relief that you came out all right!) But there are some key things parents can do to keep their young tricksters safe and healthy. With Halloween around the corner, why not roll up your sleeves and do some productive tricking — and treating — of your own?

Here are 10 ways parents can reduce teen mischief and encourage a healthy relationship with their teen on Halloween and beyond from The Partnership for a Drug-Free America.

1. Trick your teen into talking.

Make time to talk with your teen every day, so it becomes routine. That way when you have an important topic to discuss, it will be more comfortable and flow more naturally. Chat it up regularly — about celebrities, classmates, the news or anything to help maintain open lines of communication.

Neil I. Bernstein, Ph.D., adolescent psychologist and author, says “If you’re thoughtful and open and expressive, and you’ve developed good communication with your kids all along, it’s going to be an easier ride.”

2. Trick them with your digital savvy.

Bone up on the latest technology and you’ll gain a better understanding of your teen’s  world. Learn to use online social networks like Facebook and MySpace and status update services like Twitter. Texting your teen- except when you know they're driving- is a great non-confrontational way to check in, show your support and stay connected.

Surveys from Kelton Research show that more than half of teens who text message think it has improved their relationship with their parents, and 51 percent of parents who text with their teens agree that they communicate more often.

3. Trick them into taking healthy risks.

It’s natural for teens to want to take risks: Teen brains and bodies are bursting with energy and idealism — even if it doesn't always show. Urge your teen to take healthy risks; He may develop some valuable life skills in the process. First learn what your teen finds exciting and daring and then help him focus on some healthy options. Michael G. Thompson, Ph.D., is a psychologist, school consultant and author who would like to see every teen out in the wilderness, out at a summer camp, out on a ropes course, doing something that’s scarier than what he might have chosen to do himself, which Thompson believes gives teens a big boost in self-respect.  "Even if he has a safety line on him, the fact that he’s out on a rope with a 40-foot drop or something, he’s scared, and he’s pushed. And I do think that takes up some of teenagers’ risk-taking energy.”

4. Trick them into telling you about their day.

“How was your day?” “Fine.” Sound familiar? To get your teen to open up to you, try asking specific, open-ended conversation-starters like these:
• Did any of your classmates do anything funny?
• Tell me about what you read in class.
• Do you think math [or any subject] is too easy or too hard?
• What’s the biggest difference between this year and last year?
• Who did you sit with at lunch?
• Can you show me something you learned (or did) today? 

5. Trick your teen into staying out of trouble.

Encourage your teen to join a club, play a sport or participate in community service — this will give her something structured to do afterschool as well as a wider circle of friends. There may be lots of healthy (and cheap!) opportunities right in your community like trying out for a sports team or auditioning for a play. Try getting ideas at the library, her school, or your place of worship. Marybeth Hicks, a motivational speaker and parenting author, writes, “Kids in middle school can try a lot of new sports and activities and drama and music and lots of things that keep them very busy. A tired middle schooler is a low-risk middle schooler — so we want them to be busy and involved. And as we go along with them in those activities and participate in an appropriate way, they know we’re right with them and they know that they’re safe.”

6. Trick them into following your rules.

Rules don’t alienate kids. Rules about what’s acceptable — from obeying curfews to calling in to tell you where they are — make children feel loved and secure. Explain that you set limits only because you care and not because you don’t trust her. Make sure your teen knows your rules, and understands the consequences of breaking the rules. If she clearly sees the consequences, and views them as fair, she is more apt to follow the rules.

7. Trick them into telling you the truth.

Always be honest with your teen, even when it comes to answering difficult questions. If your teen senses your genuine honesty, he will likely follow your example. Explain to your teen know that honesty is a highly-respected trait, one that requires courage and  independent thought. Tell him that you value his honesty and are willing to listen without making judgments. “Use an open-ended question that is not accusatory but alludes to a possible behavior such as ‘Anything interesting happen at the party last night?’”, advises Vanessa Van Petten, an author and teen expert.

8. Trick them by offering a safety plan.

Imagine you’re a teen and you’ve just done something really dumb like get drunk at a friend’s house. Who are the last people on earth you’d want to find out? Your parents, right? A safety plan gets your teen past that fear by letting him know that you care more about him than about what he does. Even if you think he already knows how you feel,
spell it out for him. Then lay out your plan. Here’s one way to do it:
“Nothing in the world is more important to me than keeping you healthy and safe. That’s one reason I don’t want you to drink or do drugs. But if you ever find yourself in a bad situation- like, you get drunk at a party, or the person who’s supposed to drive you home does- I want you to call me. I don’t care what time it is. I’ll come to pick you up and I won’t ask any questions until the next day. Will you promise to do that for me?”

9. Trick them into feeling good about themselves.

Give your teen lots of praise and positive feedback. Teens need to hear the “good stuff” just like the rest of us. (And they’ll eat up the extra attention, too.) They need to know you can still see beyond the things they do wrong from time to time. Catch them being good and always reward positive, responsible, mature behavior. Richard Catalano, Ph.D., Professor and Director of the Social Development Research Group at The University of
Washington’s School of Social Work, says, “After your teen finishes a task, or at least shows that he really tried, make sure you recognize his effort. That recognition really provides the motivation for kids to continue.”

10. Treat your teen with love and support.

It’s very important that teens feels supported at all times by their parent. Be sure to let your child know that he or she can always count on you and come to you for guidance.
• Reassure your child that she can confide in or seek advice from you when she’s stressed or dealing with a personal issue.
• As frustrated as you may feel sometimes (let’s face it, teens know how to push our buttons), try to speak from a place of love, caring and concern — and express these feelings to your teen.
• Remind your teen that the reason you’re always talking with her and asking questions is because you love her and care about her and want her to be healthy and successful.
• Provide your teen with lots of hugs and kisses- even at the risk of unbelievable embarrassment to them as they duck under your arm to get away!

Think these are some tricks you can take on? Seems like one sweet treat to reach, if you do!

John

Email John:  johnsblog@teshmedia.com

Check out the new John Tesh Social Network. You can connect with new friends, post your own blog, visit various forums, upload your favorite John Tesh music and share your photos.  To learn more about how to join, click here.

Tweet, tweet. Sounds pretty harmless...but maybe not.

It's advice we've been getting much more of in the last decade- be careful what you send in an email. But today's advice has basically foregone email- now we're told to watch our tweets! Even President Obama cautioned students to be careful what they post on Facebook, MySpace, Twitter, and any other social networking site. WalletPop and personal finance experts Ken and Daria Dolan report how social media can be costly to you in ways you may not have realized.

Lawyers Love Facebook

Are you about to be involved in a divorce or taken to court? You may want clean up your Facebook page.

Lawyers and private investigators routinely troll social media sites as part of their research for any case. Such sites are a treasure trove of evidence, especially when they are looking to:

Hunt down alimony. An ex-husband says he can’t afford alimony but tweets about his new job or raise or his brand new car.

Collect evidence for a custody case. A women fighting for full custody of her children claims she doesn’t drink or smoke, yet posts a picture of her smoking at a bar on her Facebook page.

Prove harassment or fraud. Copies of nasty or threatening messages left on an ex-boyfriend’s Facebook page make great evidence.

Your Resume Isn’t the Only Thing Employers Scrutinize. A recent study by Harris Interactive found that 45% of the employers they questioned are using social networks to check out job candidates before hiring them. That’s a pretty significant percentage. But here’s an even more surprising number: 35% of those employers decided not to offer a candidate a job because of what they found on an applicant’s social networking page.

Bad-mouthing your last boss online? Posting questionable pictures? If you are on the job hunt, be sure to review your pages and profiles and make sure there isn’t anything there that can cost you a job.

Burglars Are Fond of Your Constant Updates. Would you stand up in the middle of a crowd of strangers and announce that you’re leaving on vacation for three days and then tell everyone your address? Of course not, but that’s exactly what you are doing if you share such information online.

Burglars are now using Twitter to find victims. One Arizona man tweeted to 2,000 followers that he was heading out of town and came home to find someone had broken in and stolen thousands of dollars worth of video equipment he used for his business.

Even saying you are running to the mall, going out to dinner, etc. is too much information.

Prepare for Bigger Insurance Premiums. A leading insurer in England warns that social media users could face higher insurance premiums because of the added risk they face from burglary.

Legal & General insurance believes that burglars use social media sites to “shop” for victims. Posting photos of your home enables burglars to know whether you have any security features or what you own that’s worth stealing. Plus, your posts reveal other details, such as whether or not you have a dog to fend off intruders or if you constantly let people know when you’re out of town, that can affect the chances of you filing a claim.

Teenagers are especially likely to reveal personal information, leading the insurer to warn parents that they could face higher homeowner’s insurance premiums if their children are online.

Tweets Can Get You Fired. A waiter in Beverly Hills was fired recently for one of his Twitter updates (called Tweets) about an actress, who the waiter claimed skipped out on her bill and didn't leave him a tip. He said her agent later paid her bill. The waiter was fired two weeks later.

That may seem like an extreme case, but people have been fired for blogging about work, blogging while at work, even for calling in sick and then posting on Facebook. One woman was fired for badmouthing the boss on Facebook because she forgot she had “friended” her boss and he could see everything she was saying. Oops.

If you are using any social network, assume your boss is watching everything you say and do!

Social Networkers Are an Identity Thief’s Dream. Social networking is a dream come true for identity thieves -- millions of people sharing endless amounts of personal information right out in the open. According to PC World, 33% of social network users have at least three pieces of information posted that could lead to identity theft.

Think about the types of things people share on social media sites…their birthday, address, kid’s names, pet’s names, mother’s maiden name, previous address, where you went to school. Besides being used to steal your identity, this information can also give thieves the answers to some of the most common security or password questions used on your personal accounts.

Yes, social networking is about sharing, but that doesn’t mean you can blindly violate basic rules that help protect you from ID theft.

Let’s Go Phishing on Twitter. Just last week, Twitter users were the target of a huge phishing scam. Scammers sent direct messages (DMs) or Tweets that included a generic message such as “You’re on this video” or “I think I see you here” in order to get people to click on a link.

The link took those who clicked on it to a fake Twitter page that asked them to log in with their username and password …which the scammer then used to hijack the victim’s account.

Twitter Can Be Infectious. Fake Twitter profiles have been used to spread malicious software (known as malware).

To lure in victims, scammers use fake celebrity profiles or news about celebrities. The posts look legit, but infect your computer with malware that lets the scammer use your computer to send spam, install spyware, steal your identity or launch attacks on other computers.

The IRS Wants to “Friend” You. As state budget get increasingly pinched, internal revenue agents are getting more aggressive in their pursuit of tax revenue. In fact, some states are even using information posted on sites like Facebook and MySpace to track down tax dodgers and dig for unreported income.

In Minnesota, tax agents reportedly levied back taxes on a long-time tax evader after he announced on his MySpace page that he was moving back into the state and would be working as a real estate broker. While the IRS refuses to say whether or not they are using social media to find tax evaders, it’s best to assume that they’re watching everything you post. Makes you want to be a little more careful the next time a stranger asks to “friend” you, doesn’t it?

Let's finish with a few "rules of the social media road":

• Be choosy about your friends.
• Don't tell strangers no one's home.
• Don't tell strangers your name of address.
• Don't accept gifts from strangers- or the links you need to click to accept the gift.
• Put yourself in someone else's shoes- the someone who may have an ulterior motive.
• Lock the door behind you- review and/or activate security settings for your account that most social media have in place.
• You don’t need to quit Twitter or Facebook now that you know about the dark side of social media. Just think...before you tweet.

John

Email John:  johnsblog@teshmedia.com

Check out the new John Tesh Social Network. You can connect with new friends, post your own blog, visit various forums, upload your favorite John Tesh music and share your photos.  To learn more about how to join, click here.

Hackers are becoming stronger- keep yourself protected with stronger passwords

Keeping yourself protected online becomes a larger issue year by year, as hackers who want to steal your identity seem to stay ahead of the game in coming up with new ways to do it! Put that against a backdrop of economic uncertainly and losses everywhere, and it's a recipe, potentially, for your disaster!  Experts say the stronger your personal passwords you use for online accounts, the better.  Unfortunately, the same experts find that, sadly, most of our personal passwords are way too easy to crack. Here's a beautifully crafted set of guidelines to help you create beautifully crafted passwords, from PC World's Michael Scalisi:

When it comes to password strength, educating users is just as important as enforcing policies.

While security has never been more important than it is today, the fastest way for an IT professional to become the most despised person in the company is to start enforcing a strong password policy. A policy perceived as overbearing may cause people to write down their passwords on a sticky note near their computers, circumventing its very purpose. Your policy will be ineffective if users don't know how to create strong passwords that are easy to remember.

Left to our own devices, Scalisi says people will choose passwords that are simple for them to remember. They'll use their spouse's name, their dog's name, their favorite sports team or a recent vacation spot.

Scalisi also reports that occasionally while working on a user's computer, he'll need to log on as that person after a computer reboot. But maybe by that time, the user has wandered off, not wanting to hover over the IT guy. He says that, generally, he prefers not to know other people's passwords, so he doesn't usually ask. In this situation, he'll take a guess at the password, and has been right a surprising number of times- even dealing with the most powerful people in the company! It's easy for him to guess simply glancing around the offices and note what users obsessions are- what their interests are. Clearly, password policies are needed.

By using the following tips, people will be able to create easy-to-remember passwords that follow these typical requirements: at least eight characters long and with at least three of the following character types: uppercase letters, lowercase letters, numbers and special characters.

Substitute numbers for letters and vice versa.  (o instead of 0, 4 instead of A, 1 instead of L, E instead of 3)

• Substitute words for numbers (one, two, three...)
• Combine both of the above (0ne, thr33, flve)
• Use capitalization in random places (bLue, happY)
• Use special characters (!@#$%^&*(){}[]) to punctuate and separate words
• Create passwords out of words, numbers or phrases you'll remember
• Misspell words

Using these tips, you can create memorable passwords that will be nearly impossible to guess. Here are some examples of converting memorable information into a complex password

We'll start with some easy ones:

• Friday becomes frYday!
• Robert becomes #robERt#
• 867-5309 becomes 8siX753o9

More complex passwords:

• 19 Peach Place becomes: 0ne9peacHpl!
• I love Jill becomes: eYelov3Jill
• My dog Fritz becomes MeyedogfrltZ

While some of these examples look nearly indecipherable, it's also obvious that they're not difficult to memorize -- as long as you know the originating word, number or phrase and the basic methodology used to create it. By educating users on how to create strong passwords, the security of the company is stronger, and users will benefit additionally by have safer personal experiences with online banking and social networking.

Ready to bolster a few passwords now?  Gr8!  hAve a souper weakEnd!

John

Email John:  johnsblog@teshmedia.com

Check out the new John Tesh Social Network. You can connect with new friends, post your own blog, visit various forums, upload your favorite John Tesh music and share your photos.  To learn more about how to join, click here.

It's gonna cost how much? Parents of college age kids- saying that a lot these days?

Neither college students, nor the families they leave behind need to subsist on Top Ramen noodles for the next four years (ok, maybe five), but every student and family can trim college expenses, and we're getting a pretty good idea of just how, from Kiplinger's, to make it less painful...as the parent of a daughter looking ahead to college in the next few years, I like the sound of that. The College Board estimates that a moderate budget, including housing and transportation, but not tuition, will be $17,230 for a nine-month school year in 2009-2010, or $11,540 for a low budget. Housing accounts for 49% of those figures.

In a survey by Zogby, students and parents said car upkeep was their biggest expense other than tuition, books, and room and board. You'll save a bundle if your kids hoof it or buy a bus pass.

How to get the books 

Cars may cost more, but the price of textbooks is the most shocking expense to many. The College Board estimates students spend an average of $988 per year on books. To save money, students often share texts or use reserve library copies. The Internet is also fertile ground for textbook bargains. Before you start shopping, get the title, author and international standard book number (ISBN) of each book you need. Then head to sites such as Craigslist.org, eBay's Half.com and PIRG's CampusBookSwap.com. BigWords.com will search the Web for the best prices on textbooks.

Take a look at return policies before buying. Some sellers give a full refund if a book is returned within 30 days -- a boon if the student decides to drop the class. Keep in mind that textbook prices are highest online in August, September, January and February, according to Half.com. So if your kids know they will be taking a class the following semester, they should confirm the text with the professor and buy it online in mid-semester.

Sell gently used books

Students can recoup some money by selling their used books informally or online. But if they plan to do so, they should use their books gently, says Marie O'Malley, of Nellie Mae, the student loan-financing agency.

"Bookstores and students don't want books that are heavily marked, or that have torn pages or broken bindings."

Also keep in mind that college textbooks are updated frequently, so the faster you sell them, the more likely you are to find interested buyers.

Watch that cell bill

Cell phones have become near-necessities on college campuses, and most students use them extensively. One dad complained in the Zogby survey that the most shocking cost he encountered was "that darned cell-phone bill." To avoid surprises, compare cell-phone plans at sites such as BillSaver.com and MyRatePlan.com. And check sites such as Cellreception.com to make sure there's good service on campus.

Some carriers entice students with special discounts or enhanced service.

Above all, let your kids know that if they exceed their plan's allotted minutes, they'll pay the extra charges.  And then stand your ground- we talked about being firm with the fam's budget a few weeks ago.  Have a great, safe, and relaxing weekend- Happy Labor Day!

John

Email John:  johnsblog@teshmedia.com

Check out the new John Tesh Social Network. You can connect with new friends, post your own blog, visit various forums, upload your favorite John Tesh music and share your photos.  To learn more about how to join, click here.

Three Ways to Simplify Your Money Management

It's not your imagination, nor or you turning into some sort of old 'fogie' for believing that managing your money is a lot harder than it used to be.  It is getting harder.

You have to make a lot more decisions than folks did a generation or two ago, and be much more up on your financial toes than your grandfolks perhaps did.

Instead of one health plan, you may need to choose from half a dozen- if you can afford coverage at all. Instead of an employer-provided traditional pension, you have to manage your own 401(k) and figure out not only how much to save but how to invest- without losing it all.

Instead of a single credit card with a relatively low rate- all that was available to most households in the 1970s- you probably have a wallet full of options, all with different rates, terms and due dates to monitor.

Fortunately, technology is riding to the rescue. I love the advice from MSN Money's Liz Pulliam Weston, and she's rounded up- again!- totally-make-great-sense tips for having an easier time managing your finances.  Used properly, it can help you stay on top of your  money with minimal effort. Liz spells out these tips in her book "Easy Money: How to Simplify Your Finances and Get What You Want Out of Life", and could go a long way towards helping you streamline your financial life:

Simplify and de-clutter

Use direct deposit. This should be a no-brainer, but many people who are eligible for direct deposit of their paychecks don't ever sign up. Perhaps it's an irrational fear of electronic transactions holding them back, but they should get over it. Direct deposit is easier, faster and safer than running around with a live check in your wallet.

Get true overdraft protection. Real overdraft protection links your checking account to a savings account, line of credit or credit card. Money is drawn from one of these sources if you write a check or initiate a debit card transaction for more than you have in your account. The annual cost is reasonable -- $20 to $50 is typical -- and you may pay another small fee anytime you use the overdraft.

What you don't want is "courtesy overdraft" or "bounce protection" that many banks and credit unions automatically offer their customers. That "service" can cost you $30 to $40 every time you make an over-limit transaction, and those fees can add up quickly. Take as example someone who racks up more than $200 in bounce fees buying songs for an MP3 player; because of an overdraft- even by a mere dollar!- each 99-cent tune could trigger a $30 fee. Be very careful navigating around overdraft protection; in the end, your bank will profit from the "courtesy" extended toward you.

Consolidate your accounts. Clutter isn't limited to the tangible stuff in your home. You also can create financial clutter when you have accounts all over the place. Too many accounts make it harder for you to adequately monitor your money, and you may pay more account fees than if you were able to maintain higher balances in fewer accounts.

For example, you could:

• Roll 401(k)s from previous employers into your current plan or into an individual retirement account (IRA).

• Combine IRAs as long as they're the same kind and they're all yours. You can't combine yours with a spouse's, for example, or combine regular IRAs with Roth IRAs -- at least not without serious financial consequences.

• Combine taxable brokerage accounts. If you have different goals for the various accounts you have now, you could consider maintaining separate accounts but at least consolidating them with the same brokerage house.

Trim your credit cards. The more cards you use, the more due dates and interest rates you're forced to monitor. If you pay off your balances in full, consider carrying just one card in your wallet, with another at home as a backup. If you're carrying credit card debt, consider leaving all your cards at home. Don't close accounts, since that could hurt your credit scores, but stop using them until you've retired your debt.

Consider two checking accounts. Consolidation isn't always best. If you have trouble figuring out how much money you can spend and how much needs to be reserved for bills, consider a two-account system.

Folks who utilize a two-account system typically have their paychecks deposited to a checking account at a brick-and-mortar bank -- often one that offers free checking if you use direct deposit. They have a second checking account they use to pay bills. If they can't get the second account free from their bank, or their bank doesn't have free online bill pay, they use an online bank, such as ING Direct, that offers fee-free checking and bill-pay services.

Next, they total all their bills for the year, using the previous year's bills as a guide, and divide the result by the number of paychecks they get each year. They set up automatic transfers so that this sum is whisked every payday to the second account.

Some go further by setting up automatic payments for most or all of their bills. Others prefer to control when bills get paid using the online bill-pay system that comes with their second account.

This two-account system takes a little effort to set up and monitor, but done right you'll eliminate uncertainty about whether you can cover your bills. What's left in the first account is the cash that's available for spending on clothes, eating out, etc.

A schedule for success

Set up a high-yield savings account. Saving for retirement and paying off credit card debt need to be the first and second priorities for most folks. Once you're on track there, though, you should consider building up an emergency fund, and today's high-rate online savings accounts can help you accomplish that. Accounts offered by ING Direct, Emigrant Direct and HSBC Direct, among others, are FDIC-insured and offer attractive rates. They typically link directly to your checking account at your brick-and-mortar bank. Set up automatic transfers so you don't have to think about saving -- you just do it.

Create alerts. Banks, brokerages and credit card companies will send you e-mails to alert you to all kinds of events: when your checking account drops below a certain level, for example, or when your credit card payment is due. Get online access to your accounts and explore the possibilities.

Move your due dates. If you have too many bills falling due at the same time, see if you can shift some to another time of the month. Many credit card companies, for example, will allow you to pick your own due dates.

Create a bill calendar. Even if you have e-mail alerts, you still should have all of your bills' due dates mapped out on a calendar. This can be a calendar on the wall, on your desktop or on your phone. The only requirement is that it be a calendar you look at daily. You're responsible for paying your bills even if you don't receive a statement, and this calendar can help make sure you don't wind up paying unnecessary late fees or inadvertently ruining your credit. (A single skipped payment on a credit account can knock nearly 100 points off your credit scores- what a big YUK.)

Pick the no-brainer options. If you really love picking individual stocks or researching the heck out of your mutual fund choices, go with that. If you want an easier route, though, seek out funds that do the heavy lifting for you. "Life cycle" and "target date maturity" funds not only choose the investments but re-balance them regularly so you don't have to mess with figuring out how much of your 401(k) to put in stocks and how much in bonds.

Don't procrastinate -- aggregate

Monitor your money. People who wait for their statements to arrive in the mail typically catch fraud later than those who monitor their accounts online, according to Javelin Research & Strategy, an online research firm. Real-time access to your accounts can help you prevent overdrafts and over-limit fees, too. You can try bouncing from site to site to check all your accounts, but you have better options.

Your bank may offer account aggregation, which allows you to view accounts held at other institutions. If you're comfortable having your transactions aggregated online, you can use sites such as Wesabe, Mint and Yodlee.

Many people would prefer personal-finance software programs like Microsoft Money and Quicken. These programs, which live on your computer rather than online, allow you to automatically download transactions and keep track of your finances while providing some powerful financial-planning software. Recent updates have vastly improved cash-flow-forecast features, which can show you in advance when your checking account is about to run on fumes. (Microsoft is the publisher of MSN Money.)

Each of these 10 options requires some upfront effort on your part, but after your systems are in place you'll be able to stay on top of your money in just a few minutes a week. If that isn't a worthwhile goal, I don't know what is, and what if you could have a little more "me-time", instead of "bill-time"?  Sounds pretty good.

John

Email John:  johnsblog@teshmedia.com

Check out the new John Tesh Social Network. You can connect with new friends, post your own blog, visit various forums, upload your favorite John Tesh music and share your photos.  To learn more about how to join, click here.

I love lists.  I've learned to use them in my own life.  Lots of advantages, here, friend, so you can imagine my pleasant surprise upon finding this timely, and oh-so-useful list of the 22 ways you can protect yourself from identity theft.  Please- print this off if you like- read it and use it to make sure that what you've worked so hard for doesn't get mired in years of bureaucratic tape because someone decided  you had a lot to offer, so to speak.  It's important stuff, and here's what to keep in mind, from MSN Money:

• Keep your confidential information private. Your bank or credit card company won't call or e-mail to ask for your account information. They already have it.

• Keep an inventory of everything in your wallet and your PDA, including account numbers. Don't keep your Social Security card or any card with your Social Security number, such as an insurance card, in your wallet.

• Order and review your credit report. You are allowed one free report each year from each of the three major credit agencies. Order reports here; it is the only place to get them for free.

• Stop getting banking and credit card information in the mail. (Check out "Go paperless for safer banking.")

• Monitor your bank and credit card transactions for unauthorized use. Crooks with your account numbers usually start small to see if you'll notice. The sooner you catch them, the easier the problems are to clear up.

• Keep your vehicle registration and insurance forms in a sealed envelope in your glove box and lock it and your car when at home or away.

• If you conduct business online, use your own computer. A public computer is less secure, as is wireless Internet.

• Look for suspicious devices and don't let anyone stand nearby when you use an ATM. Take your card and receipt with you. Keep your PIN in your head, not in your wallet.

• Don't store credit card numbers and other financial information on your cell phone. (See "Is your cell phone spilling your secrets?")

• If you're job hunting using résumé Web sites, don't apply unless the employer has a verifiable address.

• Once you no longer need to store them, shred any bills or statements that have your personal information on them. (See "Purge your financial paperwork.")

Protect your computer from vulnerability:

• Keep system and browser software up to date and set to the highest security level you can tolerate. Install antivirus, antispyware and firewall protection, and keep them up to date as well. (I listed two free services last week .) When possible, use hardware firewalls, often available through your broadband connection router.

• If you use wireless Internet access, make sure you get help from someone who understands wireless security when you set up your access point or router.

• Back up your data and store it away from your computer.

• Don't open e-mails from strangers. Malware can be hidden in embedded attachments and graphics files.

• Don't open attachments unless you know who sent them and what they contain. Never open executable attachments. Configure Windows so that the file extensions of known file types are not hidden.

• Don't click on pop-ups. Configure Windows or your Web browser to block them.

• Don't provide your credit card number online unless you are making a purchase from a Web site you trust. Reputable sites will always direct you to a secure page with a URL starting with https:// whenever you actually make purchases or are asked to provide confidential information.

• Use strong passwords: at least six characters, including at least one symbol and number, and no reference to your name or other personal information. Use a different password for every site that requires one, and change passwords regularly.

• Never send a user name, password or other confidential information via e-mail.

• Consider turning off your computer when you're not using it or at least putting it in standby mode.

• Don't keep passwords, tax returns or other financial information on your hard drive. 

It's a long list, but the steps are not overwhelming, and definitely worth 'checking off' what you've already done, but still need to look into doing.  Protection is a good thing!

John

Email John:  johnsblog@teshmedia.com

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Computer clean-up time...yes, you probably need to!

OK, it's not as critical as maintenance on your car...well, in most cases it isn't.  But it is super important- who wants to deal with a computer crash?  And what I found out is that what you don't know can hurt you - big time - when it comes to what's hiding in your PC.  This is a great checklist, from ARA Lifestyle.  From "naturally" occurring registry errors to more insidious threats like spyware, hidden problems can slow your computer performance to a crawl or even cause it to crash.

A little pro-active maintenance, however, can go a long way towards preventing problems. Keeping your PC "clean" and running at its best is as simple as establishing a routine maintenance schedule and using the right kinds of software to address the most common problems. The good news is, many of these maintenance tasks can be automated, thanks to software developers who understand how busy the average PC user is - and how baffling trouble-shooting can be.

Here are three key "cleaning" tasks that you should perform on a regular basis (at least once a week):

Run a Registry Cleaner

If your computer is slower now than when you first bought it, the problem may be registry errors. Installing and removing software, playing online games, application crashes and upgrades of software problems can all create "natural" errors in your PC's registry. They accumulate over time and the more errors you have, the higher the likelihood that you'll experience trouble.

To protect your system, you've got lots of options.  Try the steps offered on eHow- they're free, and pretty easy.  You can also install a one-click tool called Advanced Registry Optimizer 5 (ARO 5). The software ferrets out and corrects registry errors. Manufacturer Sammsoft offers free trials of ARO 5 so people can check their systems for errors, but it will cost you after the trial- be aware of that.  It's available at Sammsoft.com for the download of their free trial. Once the download is complete, just click "run" to install ARO 5. The program will scan and diagnose your PC's registry, tell you how many errors it found and then fix the first 20 errors for free. If you're satisfied with the trial version, you can upgrade to the full unlimited commercial system for around $30.

Out Spyware

Did you know that 61 percent of PCs have spyware on them? And of those infected, 92 percent of users didn't know spyware was present on their computers, according to a poll by AOL and the National Cyber-Security Alliance.

Spyware - software that gets installed on your computer without your knowledge or consent - is considered a serious security threat. Not only can spyware collect information about your Internet usage, it can install additional software, hijack your browser, change your computer settings and slow down your computer performance.

Scan for spyware daily if you are on the Internet often and download frequently. Many companies offer completely free anti-spyware software for download.

Be Vigilant to Viruses

With so many other computer threats cropping up, it may be easy to overlook virus protection. But viruses continue to be a major threat to computer security, costing consumers and companies billions of dollars worldwide each year to prevent virus transmission and clean up after infection.

The best defense is a good offense when it comes to computer viruses. There are reliable free protection services available, like AVG Free Anti-Virus, or Avast! Anti-Virus Free Home Edition, or you can subscribe to a virus protection software.  All will provide constant updates since new viruses emerge and old ones evolve into new forms every day- it's a matter of preference if you go for free or paid. Scan for new viruses at least once a week- more frequently if you are a heavy Internet user or receive large volumes of unsolicited e-mail.

John

Email John:  johnsblog@teshmedia.com

Check out the new John Tesh Social Network. You can connect with new friends, post your own blog, visit various forums, upload your favorite John Tesh music and share your photos.  To learn more about how to join, click here.

Crash, bang, and you could be out of luck (and precious computer documents!)

A friend lost power- dramatically last Fall through an incredible windstorm.  When her power was restored days later, she found that her home PC had been pretty severely fried.  The documents and pictures that she was able to retrieve (not many), with expert help at a pretty big CASH OUTLAY, taught her an incredible lesson- and one that I want to learn before a big computer crash of my own. 

What frustration to have to work to retrieve so many things, and that's assuming you can remember what you may have lost if your hard drive crashes.  These days, too, losing data from your computer could be more than just frustrating- it could cost you a great deal of money and time, especially if it's a business related computer!  Computer techies recommend performing a back up once a month.  ehow.com is a great resource for lots of "how to's", and here's a pretty straightforward step by step for how to back up your important data on your computer.

The first step in backing up your data is deciding what you're going to use- a CD/DVD, USB flash drive, additional hard drive, or website. Flash drives are very convenient, and they can travel where you are, and of course, a CD/DVD is also a reliable choice.

Next consider what you will be backing up.  It might be pictures, personal documents, or maybe a school or work project.  Go through your files and folders to make sure you've located everything you want to put on either a USB flash drive or CD/DVD.  Next, create a separate folder first, and name it something like "back up."  What you're doing is finding a temporary "house" for your data until you actually move it to the CD or flash drive.  You can do this by going to your My Documents folder within your computer and selecting "Organize" if running Vista, or "File" for other operating systems and "Create" "New Folder" (rename something to indicate that it's your file back up.)

Now, you're ready to copy files to this new folder.  A simple way to copy the data to your back up folder would be right click on the file or folder you wish to back up and select copy from the drop down menu. This will copy the data and you can then go back to your back up folder and double click on it to open it, right click on an empty space within the folder and select paste from the drop down menu. Your data should now appear within the backup folder.

Next, insert your back up device into the computer, whether you're going with the USB flash drive, or a CD/DVD. Go to start>my computer>and select the name and drive letter of your device. This will open up the device on your screen. Then go to your back up folder and select the entire folder with your mouse.  While still holding down the left mouse button, drag the folder into the device, and you should see your entire back up folder now in the new media (CD/DVD or USB flash drive.)

Keep the CD/DVD or flash drive in a safe and dry place.  And, again, the advice from many computer experts- do this once a month.  You might just want to take a look again at your son's 10th birthday party someday, and a complete hard drive failure where you've stored those pictures will pretty much make that impossible.  Store away!

John

Email John:  johnsblog@teshmedia.com

Check out the new John Tesh Social Network. You can connect with new friends, post your own blog, visit various forums, upload your favorite John Tesh music and share your photos.  To learn more about how to join, click here.