12 Ways to Keep Your Data & Identity Safe Online

How to Boost Your Digital Security for Peace of Mind

From the recent Facebook data break to compromised customer data at huge companies like FedEx and Delta, personal security is more relevant than ever.

In fact, it might even seem that our data is under attack!

While you can not always prevent data security issues, here are 12 ways to help you protect yourself in this fast-moving digital age:

1. Stop sending sensitive information digitally.

This may seem like a no-brainer, but many people email tax documents to their accountant, or text a password to a family member in a pinch.

2. Beware of public Wi-Fi.

Anything you send in a coffee shop or airport can be intercepted by someone on the same network. Consider using a VPN (Virtual Private Network) when you're out and about.

3. Secure your texts.

Whether you use a free app like WhatsApp or a paid Android or iOS solution, there are lots of end-to-end encryption options, ensuring only you and the recipient see messages.

4. Stay up to date.

If you do not, you could be at risk for malware, viruses and cybercrime attacks. Make sure your operating system and software are updated – many devices do this automatically.

5. Worry less about wireless.

Secure your wireless network with a password so nobody can jump onto your Wi-Fi network and steal info.

6. Be cautious of clever email scammers.

Today's phishing emails can have links that lead to realistic-looking websites. Never give out passwords or other sensitive info by email, text or phone unless you're sure that you're talking to the actual organization.

7. Lock down your laptop.

Make sure your laptop requires a password when it boots up. That way, if it gets stolen or prying eyes try to access your device, they'll be stopped before they start.

8. Wipe out data .

If it's time for a new laptop or smartphone, make sure your data is not hanging around. Once you've backed up any data you need, use a software program to permanently erase your hard drive.

9. Choose security questions wisely.

Avoid using common words in your passwords. Period. Google estimated someone would have a 19.7% success rate answering "pizza" to "What's your favorite food? Customize questions or pick harder ones to guess.

10. Avoid sites that are not https.

Https stands for "hypertext transfer protocol with secure socket layer" (other known as having a SSL certificate.) Sites without an "s" on the end are not secure if you are being asked to make a purchase or submit private / sensitive data that could get intercepted.

11. Pay attention to privacy settings.

Choose who can see the content you post on sites like Facebook and Instagram, and who can view your profile.

Opt for the highest level of privacy possible but be aware that some settings will prevent potential clients from seeing your posts, so find a happy balance that will not sacrifice your social media marketing efforts!

12. Back up your data.

If your device gets stolen or compromised, what happens to that work report or your niece's baby photos? Schedule automatic backups through your operating system or a cloud service.

While even the largest and brightest companies can be hacked or otherwise attacked, these online security tips can help you reduce some of the risks.

Also, if you're hiring a web professional developer to help with your business, make sure they're well-aware of current security issues. We build websites with our clients' safety in mind and perform regular security updates for ongoing peace of mind.

Millennials Should Receive ‘Citizen’s Inheritance’ at Age 25 to Reduce Baby Boomer Wealth Gap, Report Says

Millennials and Generation X should receive a one-time £10,000 “citizen’s inheritance” at age 25 to boost young people’s economic prospects and mend their “broken” link with aging baby boomers, a new U.K. report says.

The £10,000 investment—or a little more than $13,500—would be acquired by the British government from tax hikes on pensioners and would seek to address a widening divide in living standards between young and old people. The Resolution Foundation report proposed mandatory stipulations that the one-off payments must go to young citizens’ education, a home, a pension or a small business. But while critics labeled the move simply a “short-term bribe,” proponents say that amount isn’t even enough to start a business, put a down payment on a house or pay off highly inflated tuition debts.

The Resolution Foundation, a nonpartisan British think tank that researches policy solutions to improve low- to middle-income citizens’ living standards, suggested additional staggered inheritance payments for older Britons starting with people turning 35 in 2020. The report notes that six in 10 U.K. millennials currently in their late 20s would see their wealth nearly doubled by receiving the £10,000 investment from the government. The payment would serve as a stepping stone to reduce a drastic economic imbalance between baby boomers and their younger millennial and Generation Z counterparts.

“Younger generations are bearing more risks and holding fewer assets than their predecessors. We need to redress that imbalance if we are to maintain the promise of an asset-owning democracy,” reads the report, released Tuesday. “No longer can anyone deny the challenge facing us as a country in maintaining a fair deal between the generations,” said Lord David Willetts, a Conservative Party politician who commissioned the report. “If the evidence is so powerful then that means there is an obligation to act.”

GettyImages-669547222 Millennials and Generation X should receive a one-time £10,000 “citizen’s inheritance” at age 25 to boost young people’s economic prospects and mend their “broken” link with wealthy baby boomers, new report says. Getty Images

A Resolution Foundation poll conducted in 2017 found Britain is one of the most pessimistic advanced economies with regard to young people being able to achieve better lives than their parents. Data supporting that negative outlook includes an April report finding one-third of U.K. millennials may never own a home throughout their entire lives. Lindsey Judge, a policy analyst for that Resolution Foundation report, said, “Young people are bearing the brunt paying a record share of their income on housing in return for living in smaller, rented” property. The report cautioned that the government’s housing bill could swell from £6.3 billion to £16 billion by 2060.

Education, housing and business startup data in the U.K. also paint a bleak future for young people across the board. The Pew Research Center identifies anyone born between 1981 and 1996 (currently 22 to 37) as a millennial and anyone born in the 15 years after 1996 as Generation Z. The Institute of Fiscal Studies’ 2017 report found that students graduate with an average debt of about £50,800 ($68,579) in the U.K. That number increases to more than £57,000 for students from poorer backgrounds and the availability of more loans. The Office for National Statistics also predicted that startup businesses may be a poor investment of the £10,000 lump sum given that 414,000 new businesses start in the country each year, but 328,000 of them go bankrupt each year. And last, when it comes to housing, first-time home buyers outside of London can expect to put down at least £20,000 on just their deposit, the Resolution Foundation notes.

“Last year 1.3 million pensioners claimed housing benefits, amounting to £6.3 billion,” Resolution Foundation senior economic analyst Stephen Clarke noted in a blog post. He noted that the aging population of Baby Boomers has raised spending on government housing benefits by 70 percent. Public spending on pensioners is expected to increase dramatically as the skewed population exits the workforce and into retirement benefits expected to be paid for by overburdened millennials.

The Tuesday report has already received plenty of criticism from free market and investment firms. The Institute of Economic Affairs said that low-income older adults would be unfairly punished by the windfall for young people.

“Why should the salary of a 40-year-old person, earning the minimum wage, be redistributed to top-up a 25-year-old, earning double or triple the average national income? There is nothing progressive about cash transfers that are based on age,” said IEA editor Kate Andrews in an interview with CNBC. “What is essentially a short-term bribe will not distract young people from the barriers to entry they face when trying to transfer into adulthood.”

There is a seemingly endless list of factors hampering young people’s financial future. Several U.S. police think tanks also have produced similarly pessimistic reports.

The executive placement and labor firm Challenger, Grey & Christmas released a report Monday that found teens’ summer jobs have fallen off as brick-and-mortar stores fail to compete against the online marketplace. The labor participation rate among teens was down to 34.8 percent, a nearly 20-point decrease from the 56 percent recorded in 1989.

“Brick-and-mortar retail locations tended to hire a lot of teenagers during the summer,” according to the report released Monday. “While those jobs are disappearing, teenagers are having to find different areas of the economy to pick up the slack and get those summer jobs.”

Senior Online Dating Sites – The Biggest Reason To Join Today

At one time, people thought that dating on the internet was for losers. People who were lame, nobodies who could not get a date any other way. And if you were over 50, then triple those bad thoughts.

But now that the internet has brought us senior online dating sites by the boatload, those bad feelings are long gone. And in their place is the idea that seniors who look online for dating partners are smart and one of the new breed of people who are using the internet to their advantage.

That sounds like baby boomers to me. Out front, on the cutting edge, smart and successful.

And online dating has a couple of great advantages over regular dating, at least until you get to know someone better to go on a regular date with them.

First, and maybe best of all, is that online dating is not dangerous. Sure you can get into a heated conversation with someone in a chat room. But as long as you do not beam your personal contact information all over the dating site, this person will never know who you are.

This means that you can remain anonymous until that time comes when you want to reveal who you are. You can be Pat90234 for as long as you want without anyone giving you a hard time. Occasionally, when you get to the stage where you meet someone online that you really want to see in person, you can go ahead to that step.

But you do not have to go through the things that you used to do when you got set up on a blind date, or met someone at a bar in town or any of that, you can stay safe at home until you are ready.

Many of us have been jaded by the dramas we see on the TV. It seems like every stranger that comes along in a TV drama is up to no good. But truthfully, most of the time, those people are just strangers to us, people we have not met. It is not like everyone is out to get us.

But in the dating world, there is also no reason to take extra chances. IF you meet someone you like in the offline world, and you hit it off, you might go through a couple of phone calls or texts before you decide to go out. Online dating just gives a little extra measure of security to that process.

And that way, if you really do not get along online you probably will not get along in real life ad you can just continue your search for a date with somebody else. Easy and safe.

Senior online dating sites can not resolve all relationship issues, but they can sure make trying out something new a lot easier and safer.

National Anxiety Levels Are Rising, Baby Boomers Report Biggest Increase

Anita Everett, MD

The levels of anxiety in the United States appear to have sharply risen in the last year, with the Baby Boomer generation reporting the highest increases, according to new data from the American Psychiatric Association (APA).

In total, 1000 adults in the US were polled about their anxiety in 5 areas—health, safety, finances, relationships, and politics—with increases revealed in every area. This national anxiety score is composed of the mean scores on a scale of 0 to 100, with the national average this year jumping up 5 points since 2017, to 51. In total, 39% of those polled said they are more anxious now than they were last year.

“This poll shows US adults are increasingly anxious particularly about health, safety and finances. That increased stress and anxiety can significantly impact many aspects of people’s lives, including their mental health, and it can affect families,” Anita Everett, MD, the president of the APA, said in a statement. “It highlights the need to help reduce the effects of stress with regular exercise, relaxation, healthy eating and time with friends and family.”

When examined at the generational level, millennials reported being more anxious than Gen Xers or Baby Boomers, as has been the case in previous years, but the Baby Boomer anxiety level made a 7-point jump between 2017 and 2018, the biggest of the generations polled.

The biggest area where there was an increase was in the financial section, with respondents revealing they were most anxious about paying their bills. Approximately 75% of women, 75% of adults aged 18–34, and 80% of Hispanic adults were either somewhat anxious or extremely anxious about bills.

Among the genders, women reported higher rates of anxiety than men, and also had a larger increase in anxiety from last year to this year. All told, 57% of the women between the ages 18 and 49 that were polled stated that they were more anxious than in 2017, compared to only 38% of men in the same age group. That gap between the genders was also represented in the population aged 50 and older, with 39% of women reporting more anxiety in 2018 compared to 24% of men.

Among ethnicities in the US, people of color reported 11-point higher scores on the anxiety index than their Caucasian counterparts. Americans also expressed almost identical concerns about their health, safety, and bills, but slightly less so in regard to politics and relationships. Those insured with Medicaid report higher anxiety than those with private insurance.

The poll also explored the attitudes and perceptions about mental health and treatment of these conditions, with the majority of Americans (86%) stating that they believed mental health impacts their physical health, up 7% since 2017. Additionally, 75% of those polled declared that mental health, when untreated, can have a significant impact on the nation’s economy.

Interestingly, while roughly half of the adults polled believe there is less stigma against those with mental illnesses than a decade ago, upward of 33% reported that they would not vote for a candidate for public office if they had been diagnosed with a mental illness, even if they had received treatment.

The findings were from an APA-sponsored online poll that was conducted using ORC International’s CARAVAN Omnibus Survey. Data were collected form a sample representative of the US, including 1004 adults from March 22 to 25, 2018 and compared with a poll of 1019 adults completed from April 20 to 23, 2017. The margin of error was reported as ±3.1 percentage points.

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Baby boomers face high risk of po­ten­tially deadly vi­rus

The Centers for Dis­ease Con­trol and Preven­tion is urg­ing men and women born be­tween 1945 and 1965 to get tested in May, which is designated Hep­a­ti­tis C Aware­ness Month.

Hep C is a blood-borne vi­rus that causes in­flam­ma­tion of the liver. It is cur­able when de­tected, but Hep C symp­toms rarely sur­face be­fore the vi­rus turns into a chronic — even fa­tal liver dis­ease.

Through­out the month of May, Any Lab Test Now, an area clinic, is of­fer­ing a test to de­tect Hep C and you do not need to go to your doc­tor first. No ap­point­ment is needed, and the test is only $49.

Baby boomers are five times more likely to have Hep C than any other adults ac­cord­ing to the CDC. Health of­fi­cials say peo­ple in this age group could have picked up the vi­rus years ago dur­ing a pre­vi­ous med­i­cal pro­ce­dure or blood trans­fu­sion when health reg­u­la­tions to screen blood sup­plies were much more lax.

The CDC lists in­tra­ve­nous drug use or “shar­ing nee­dles” as a com­mon way to spread Hep C and a study shows a spike in Hep C in­fec­tions linked to the opi­oid ep­i­demic. Re­search­ers un­cov­ered star­tling num­bers of peo­ple hooked on opi­oids who even­tu­ally turned to in­ject­ing the drugs.

Changing addresses? 10 tips for busy baby boomers |

For many Americans, moving households represents a fresh start and a chance to improve quality of life. Last year, some 39.4 million Americans changed residences, thanks in part to better affordability in the housing market.

That doesn’t mean, however, that everyone’s moving process was friction-free. The logistical coordination and the physical work involved with DIY packing and loading can be a major chore in the best of circumstances. And that’s doubly true for baby boomers who are downsizing or moving to new communities, yet challenged by the physically grueling aspects of a DIY move.

Fortunately, forming a plan that troubleshoots the most common challenges can help enormously. Consider how these tips could keep your next move smooth and free of unnecessary stress.

1. Protect your treasures: Avoid the heartbreak of damaged belongings by stocking up on bubble wrap and other efficient packing materials. You also could optimize household items such as towels, blankets and coats.

2. Stagger your packing: Pack too early and you may need items you’ve stashed away; pack too late and you may be crunched for time. Start with non-essentials and out-of-season belongings a few weeks before moving day, sorting discards as you go. Save necessities for the last 48 hours.

3. Label, label, label: This may seem unnecessary while you’re packing, but will save you time and frustration upon arrival when you’re desperately looking for your essentials. It also allows you to immediately sort boxes by room and store items that are infrequently needed.

4. Secure transportation early: Instead of procrastinating and missing out on the truck you need, hop on your smartphone at least two weeks ahead to easily reserve a vehicle at PenskeTruckRental.com.

5. Right-size your truck: Rather than guessing what size moving vehicle you’ll need, plan on about 150 cubic feet of truck space for each fully furnished room in your home. That means a move from an apartment might necessitate a 12-foot truck offering 450 cubic feet, while a move from a house might require a 26-foot truck offering 1,400 feet.

6. Recruit help: The packing and transporting may sound easy until you try to do it all yourself. This is the time to call in favors or perhaps pay some teens to help with the lifting and hauling.

7. Pack your truck strategically: Optimize your space by positioning your furniture and other large, heavy items in the back of your vehicle before proceeding with lighter items. That optimizes the vehicle’s power and allows you to fit smaller items into smaller spaces.

8. Follow ergonomics: The last thing you need is to injure your back through haphazard movement during the loading process. Stretch beforehand, avoid twisting your torso as you load and remember to lift with your legs by crouching rather than bending from the waist.

9. Strategize your route: Map out the way ahead of time, review weather forecasts, avoid rush hour and leave yourself plenty of time for breaks, refueling and unloading.

10. Drive like a pro: Many people are unfamiliar with the difference between driving a car and a big truck. Read all instructions provided and understand how to drive differently to remain safe (and legal).

Regardless of your age, a DIY moving process can be efficient and pain-free when you organize the details ahead of time. Talk to Penske Truck Rental for more suggestions on making that happen.

Home builders: Baby Boomers are not buying homes | 2018-05-04

Home builders say they are less confident in the housing market for those older than 55 as more of this older generation move into renting, according to the latest Housing Market Index from the National Association of Home Builders.

The HMI is a survey of home builders which measures the housing market weighted on seasonally ingested high, average or low traffic. The monthly survey gathers builders’ insight on current single-family home sales and expectations for the next six months rated as fair, good or poor.

Compared to the previous quarter, sales of single-family homes to those over 55 years fell an astonishing nine points to 70. Expected sales for the next six months gradually rose seven points to 80, while traffic for perspective buyers was consistent at 51 points.

Multiple production challenges could explain the market drop.

There are many places around the country facing labor and lot shortages, along with increased building material costs, which are affecting production,” said Chuck Ellison, NAHB 55+ Housing Industry Council chairman and Land of Miller & Smith vice president.

Weather may also be a culprit in the disruption of housing sales.

“The decline in the 55+ single-family HMI is consistent with slight softening of other measures of single-family construction seen recently, likely due to winter weather effects,” NAHB Chief Economist Robert Dietz said.

But even as the single-family sector saw its sales decreasing, the 55+ multifamily HMI shot up 10 points to 64, the highest reading since the creation of the index in 2008.

In fact, a report from RENTCafé back in October shows that Baby Boomers are leaving homeownership in droves. Data from the U.S. Census Bureau shows the population of those ages 55 and older who are renting surged 28% from 2009 to 2015.

 Despite concerns for the changing market, Dietz is confident sales will rise.

“Market conditions overall remain favorable, and we expect gradual continued growth in the 55+ housing sector,” he said.

Do Millennials blame Baby Boomers for lack of jobs?



The Mind Gap panel discusses if Millennials blame Baby Boomers for a lack of employment opportunities and social assistance.

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Changing addresses? 10 tips for busy baby boomers





(BPT) – For many Americans, moving households represents a fresh start and a chance to improve quality of life. Last year, some 39.4 million Americans changed residences, thanks in part to better affordability in the housing market.

That doesn’t mean, however, that everyone’s moving process was friction-free. The logistical coordination and the physical work involved with DIY packing and loading can be a major chore in the best of circumstances. And that’s doubly true for baby boomers who are downsizing or moving to new communities, yet challenged by the physically grueling aspects of a DIY move.

Fortunately, forming a plan that troubleshoots the most common challenges can help enormously. Consider how these tips could keep your next move smooth and free of unnecessary stress.

1. Protect your treasures: Avoid the heartbreak of damaged belongings by stocking up on bubble wrap and other efficient packing materials. You also could optimize household items such as towels, blankets and coats.

2. Stagger your packing: Pack too early and you may need items you’ve stashed away; pack too late and you may be crunched for time. Start with non-essentials and out-of-season belongings a few weeks before moving day, sorting discards as you go. Save necessities for the last 48 hours.

3. Label, label, label: This may seem unnecessary while you’re packing, but will save you time and frustration upon arrival when you’re desperately looking for your essentials. It also allows you to immediately sort boxes by room and store items that are infrequently needed.

4. Secure transportation early: Instead of procrastinating and missing out on the truck you need, hop on your smartphone at least two weeks ahead to easily reserve a vehicle at PenskeTruckRental.com.

5. Right-size your truck: Rather than guessing what size moving vehicle you’ll need, plan on about 150 cubic feet of truck space for each fully furnished room in your home. That means a move from an apartment might necessitate a 12-foot truck offering 450 cubic feet, while a move from a house might require a 26-foot truck offering 1,400 feet.

6. Recruit help: The packing and transporting may sound easy until you try to do it all yourself. This is the time to call in favors or perhaps pay some teens to help with the lifting and hauling.

7. Pack your truck strategically: Optimize your space by positioning your furniture and other large, heavy items in the back of your vehicle before proceeding with lighter items. That optimizes the vehicle’s power and allows you to fit smaller items into smaller spaces.

8. Follow ergonomics: The last thing you need is to injure your back through haphazard movement during the loading process. Stretch beforehand, avoid twisting your torso as you load and remember to lift with your legs by crouching rather than bending from the waist.

9. Strategize your route: Map out the way ahead of time, review weather forecasts, avoid rush hour and leave yourself plenty of time for breaks, refueling and unloading.

10. Drive like a pro: Many people are unfamiliar with the difference between driving a car and a big truck. Read all instructions provided and understand how to drive differently to remain safe (and legal).

Regardless of your age, a DIY moving process can be efficient and pain-free when you organize the details ahead of time. Talk to Penske Truck Rental for more suggestions on making that happen.

Source: Brandpoint Content