As I understand your point, it is better to improve a bad password to a strong password than it is to use nothing. Most people can implement what you suggest, which is why you wrote it.
I've been spending a lot of time on my teeth lately. And trust me, this is new for me. How did I do it? There's a little tool you can use to strengthen your gums – kind of looks like a pick. I just keep it at my computer, and when I take a break from blogging, I use it on my teeth/gums! Pretty nifty huh?
I don't bother with a savings account because the interest is so small at most banks now.
I have a checking account that I keep a few thousand in for convenient spending and paying bills. My checking account is through Chase because of their locations throughout the nation and excellent online resources. I also have my credit cards through chase so it keeps it all in one convenient place. I have a money market account I use for holding money I withdraw from larger investments.
Don't worry about that amount you keep circulating in and out of your checking. After someone has saved an amount they feel comfortable with as emergency funds they should seek higher paying investment options.
hi, it sounds like an amazing receipe. i cant find ammonia in the stores here in montreal. with what should i replace the ammonia with? thank you and much appreciated
The ACV isn't conditioning and you should do an acidic rinse every time after you do a baking soda wash. Sometimes ACV does leave people's hair feeling weird and they find replacing it with white vinegar or lemon or lime juice helps a lot. You just use the same ratios. And I know of someone on no-poo.livejournal.com that has to was their hair daily which was a step up from multiple times a day. Just experiment, as long as you don't use extreme amounts you shouldn't hurt anything. Everyone's hair and scalp are different.
Hello out there.No Magic Jack is not perfect but anything that it saves you at least the money over it's yearly fee is money in your pocket.When you read between the the lines of the tons of negitive coments about MJ it's computer related problems(slow conection speed ,old PC's,people running so much junk that clogs and clashs with other programs and so on) or someone who has no clue at all how address certian simple issues with their PC .Yes they out source their customer service and this can be a chalange.But once it's up and running it works great.I've had mine since 2009 a few problems yes but I got on their butts like a dog on a bone and all was taken care of.I live here in the states and this was the only way for me to call my wife in Austria that we could afford.$10.00 on my MJ account got us almost 400 min of call time at 2 cents a min is super.
Now I just sent her a MJ and a US telephone.I set up the MJ here(recomended) then sent it to her, at first she could not get it to work but a friend who runs the PC dept of a company there got it up and running fine as I said above,a person that has no clue how to addres certian simple issues with their PC ,thats my wife .
We talked 1 hour last saterday,free!
I have a lot of stuff running on my PC and it's showing it's age so I have to close a few things to get it to work good ,so what!, and if your PC is shut off MJ has a answer machine fuction built in that works very good and you can pick up your calls from any phone anywhere.
We have looked at EVERY!!! other option out there but they all have their little hooks that in the end cost much more money in the end run.
Also be smart use a prepaid credit card when you do anything over the internet most banks have a prepaid card they offer ether free or a small charge ,if things get screwed up ,only what you have on that card can be taken.
Holy crap, some of this is plain bad advice. Did you even do a decent amount of research before writing this?
1) I can crack a completely random 6 character password in seconds on my computer. 8 Characters might take a minute or two. 12 characters is around where it starts to get "harder" - 344 thousand years, but that's just one computer. 12 is good enough for "normal" users - but if you really have something to keep secure people with unlimited resources could still crack that in a reasonable amount of time (with unlimited funds - you can purchase computer time and run several million computers together - so that takes the crack time down to a few days, albeit it will cost you many thousands of dollars). Adding just one more character to 13 makes it pretty good for now, but computers do get faster.
2) Adding a punctuation mark inside a regular word is nearly as bad as just picking a word - advanced password checkers will run through the dictionary and for every word will do many thousands of permutations like this.
3) Same thing with replacing vowels with common substitutes - the programs will check all these things.
4) misspelling is marginally better, but only if the password is long enough to start with.
Here is a funny XKCD.com comic that explains this in pretty simple terms http://xkcd.com/936/
Here is a web page that will tell you how long it takes to crack a given password by a single desktop http://howsecureismypassword.net/ (note you probably should not test your actual password there, just feed it something similar).
How can you write an article like this and not even touch upon password managers (lastpass, 1password and keepass being the 3 prominent ones - I use lastpass, my master password is 22 characters long - mostly random and *every* password for anywhere else is 20 random characters (or as long/complex as the system will let me use).
If you really wanted to get technical you could touch upon two factor authentication too, a growing number of sites allow that.
I get that the point of writing articles on a site like wisebread.com is a game of monetization, but how about we not give out information that actually makes it *easier* to hack someones password?
Lastly here's a good article about what happens when you become lax about passwords - even ones you consider secure (up until I switched to lastpass I was guilty of this myself even though I clearly knew better, using the same randomly generated 9 character password I got as a freshman in college back in 1993, granted that's *still* more secure than most people's passwords even today, it isn't enough if you care about losing your data). http://www.emptyage.com/post/28679875595/yes-i-was-hacked-hard
Savings accounts don't even keep up with inflation these days, so our savings actually lose value over time. I'm just about to buy some I-bonds (Individual Savings bonds issued by the US Government) because they pay a fixed interest rate plus an adjustment to cover inflation. Currently they are paying 2.20% through October 31, 2012. Minimum purchase is only $25. Downside is that, while you can cash them in after one year if you need to, you have to hold them for five years to get the maximum interest.
I believe there's a difference. I have tried organic milks from 2 different companies and the milk flavor is of higher quality than conventional milk. The expiration dates on the organic milk cartons are often double compared with those of the conventional form. I drink milk more than I use it in cooking or on cereal, so I get the bare flavor. This is why I'm willing to pay a little extra for the organic milk, same goes for organic eggs.
Wait until you have kids and those "vibrant" communities start to look a bit more realistic. Do you enjoy not being able to go outside at night because of drug dealers on the corner. Not being able to let your children play outside because of the "vibrant" neighbours hanging out and doing god knows what. Here's a test for your multi-cultural community. Walk around your neighbourhood late at night for a few weeks and see how you fare. Your post is pure ignorance of life in the inner city and you're asking folks to commit cultural genocide to save on rent. Oh wait, if white folks want to preserve their culture that's called racism, but if others want to it is "diversity" and "vibrant"
Own my home. The pros are I am able to change decor and paint. I am able to get things done on my timetable and not wait for landlords as I once had to wait 6 months to get my airconditioning fixed. There is also tax deductions for owning.
Cons are of course when things break it comes out of your pocket but overall I am happy to own.
I just stumbled across this site and while this post is a couple of years old, I had to respond. I paid big money for anit-glare AND scratch-resistant coatings for my last pair of glasses and I have never had so many scratches on my glasses in my life. (And I've been wearing glasses since 1978.) After only a couple of months I noticed severe scratching, even though I was carefully cleaning my glasses with the special cloth that came with them. When I took them back to the store where I purchased them (Lenscrafters) I was reprimanded for not buying the insurance plan and for using the cloth to clean them. I was then told they could not do anything about it and that yes, "anti-reflective coating scratches easily." Well, why the hell did I pay for the scratch-resitant coating????
We own. (Which really means we have a mortgage.) I'd only rent if I thought we wouldn't stay in one place for very long. We rented our fair share of places in graduate school and immediately after.
Legalize weed and you won't have to worry about anyone taking your home because your tenant has, what basically is a garden, in the basement. Wake up people.
After many years of renting, I am now an owner!
Excellent advice from start to finish.
As I understand your point, it is better to improve a bad password to a strong password than it is to use nothing. Most people can implement what you suggest, which is why you wrote it.
I've been spending a lot of time on my teeth lately. And trust me, this is new for me. How did I do it? There's a little tool you can use to strengthen your gums – kind of looks like a pick. I just keep it at my computer, and when I take a break from blogging, I use it on my teeth/gums! Pretty nifty huh?
Thanks for your comment, Juggler. After additional research, we have updated some parts of the article.
I don't bother with a savings account because the interest is so small at most banks now.
I have a checking account that I keep a few thousand in for convenient spending and paying bills. My checking account is through Chase because of their locations throughout the nation and excellent online resources. I also have my credit cards through chase so it keeps it all in one convenient place. I have a money market account I use for holding money I withdraw from larger investments.
Don't worry about that amount you keep circulating in and out of your checking. After someone has saved an amount they feel comfortable with as emergency funds they should seek higher paying investment options.
hi, it sounds like an amazing receipe. i cant find ammonia in the stores here in montreal. with what should i replace the ammonia with? thank you and much appreciated
The ACV isn't conditioning and you should do an acidic rinse every time after you do a baking soda wash. Sometimes ACV does leave people's hair feeling weird and they find replacing it with white vinegar or lemon or lime juice helps a lot. You just use the same ratios. And I know of someone on no-poo.livejournal.com that has to was their hair daily which was a step up from multiple times a day. Just experiment, as long as you don't use extreme amounts you shouldn't hurt anything. Everyone's hair and scalp are different.
I love Marketplace!
Whoops! Thanks for catching that, Wynne! Error fixed. =)
What a terrific article! Thanks for posting this.
"...what you wear can have a direct affect on your confidence ..."
Should be direct EFFECT.
Paying off debt takes time, patience, and persistence. At the same time, it is definitely worth all of the work you put into it, and more.
Scale back all discretionary spending. Cancel your cable. Eat at home. Make more money (if possible.) Find free and cheap things to do for fun.
Take the money you save and tackle your debts one by one by one.
Wow! Thank you for sharing...this sounds so easy. I will definitely have to try some of these!
Hello out there.No Magic Jack is not perfect but anything that it saves you at least the money over it's yearly fee is money in your pocket.When you read between the the lines of the tons of negitive coments about MJ it's computer related problems(slow conection speed ,old PC's,people running so much junk that clogs and clashs with other programs and so on) or someone who has no clue at all how address certian simple issues with their PC .Yes they out source their customer service and this can be a chalange.But once it's up and running it works great.I've had mine since 2009 a few problems yes but I got on their butts like a dog on a bone and all was taken care of.I live here in the states and this was the only way for me to call my wife in Austria that we could afford.$10.00 on my MJ account got us almost 400 min of call time at 2 cents a min is super.
Now I just sent her a MJ and a US telephone.I set up the MJ here(recomended) then sent it to her, at first she could not get it to work but a friend who runs the PC dept of a company there got it up and running fine as I said above,a person that has no clue how to addres certian simple issues with their PC ,thats my wife .
We talked 1 hour last saterday,free!
I have a lot of stuff running on my PC and it's showing it's age so I have to close a few things to get it to work good ,so what!, and if your PC is shut off MJ has a answer machine fuction built in that works very good and you can pick up your calls from any phone anywhere.
We have looked at EVERY!!! other option out there but they all have their little hooks that in the end cost much more money in the end run.
Also be smart use a prepaid credit card when you do anything over the internet most banks have a prepaid card they offer ether free or a small charge ,if things get screwed up ,only what you have on that card can be taken.
Holy crap, some of this is plain bad advice. Did you even do a decent amount of research before writing this?
1) I can crack a completely random 6 character password in seconds on my computer. 8 Characters might take a minute or two. 12 characters is around where it starts to get "harder" - 344 thousand years, but that's just one computer. 12 is good enough for "normal" users - but if you really have something to keep secure people with unlimited resources could still crack that in a reasonable amount of time (with unlimited funds - you can purchase computer time and run several million computers together - so that takes the crack time down to a few days, albeit it will cost you many thousands of dollars). Adding just one more character to 13 makes it pretty good for now, but computers do get faster.
2) Adding a punctuation mark inside a regular word is nearly as bad as just picking a word - advanced password checkers will run through the dictionary and for every word will do many thousands of permutations like this.
3) Same thing with replacing vowels with common substitutes - the programs will check all these things.
4) misspelling is marginally better, but only if the password is long enough to start with.
Here is a funny XKCD.com comic that explains this in pretty simple terms http://xkcd.com/936/
Here is a web page that will tell you how long it takes to crack a given password by a single desktop http://howsecureismypassword.net/ (note you probably should not test your actual password there, just feed it something similar).
How can you write an article like this and not even touch upon password managers (lastpass, 1password and keepass being the 3 prominent ones - I use lastpass, my master password is 22 characters long - mostly random and *every* password for anywhere else is 20 random characters (or as long/complex as the system will let me use).
If you really wanted to get technical you could touch upon two factor authentication too, a growing number of sites allow that.
I get that the point of writing articles on a site like wisebread.com is a game of monetization, but how about we not give out information that actually makes it *easier* to hack someones password?
Lastly here's a good article about what happens when you become lax about passwords - even ones you consider secure (up until I switched to lastpass I was guilty of this myself even though I clearly knew better, using the same randomly generated 9 character password I got as a freshman in college back in 1993, granted that's *still* more secure than most people's passwords even today, it isn't enough if you care about losing your data). http://www.emptyage.com/post/28679875595/yes-i-was-hacked-hard
Savings accounts don't even keep up with inflation these days, so our savings actually lose value over time. I'm just about to buy some I-bonds (Individual Savings bonds issued by the US Government) because they pay a fixed interest rate plus an adjustment to cover inflation. Currently they are paying 2.20% through October 31, 2012. Minimum purchase is only $25. Downside is that, while you can cash them in after one year if you need to, you have to hold them for five years to get the maximum interest.
I believe there's a difference. I have tried organic milks from 2 different companies and the milk flavor is of higher quality than conventional milk. The expiration dates on the organic milk cartons are often double compared with those of the conventional form. I drink milk more than I use it in cooking or on cereal, so I get the bare flavor. This is why I'm willing to pay a little extra for the organic milk, same goes for organic eggs.
Wait until you have kids and those "vibrant" communities start to look a bit more realistic. Do you enjoy not being able to go outside at night because of drug dealers on the corner. Not being able to let your children play outside because of the "vibrant" neighbours hanging out and doing god knows what. Here's a test for your multi-cultural community. Walk around your neighbourhood late at night for a few weeks and see how you fare. Your post is pure ignorance of life in the inner city and you're asking folks to commit cultural genocide to save on rent. Oh wait, if white folks want to preserve their culture that's called racism, but if others want to it is "diversity" and "vibrant"
Sickening.
Rent - sadly. If it was possible to get the loan, I would own and stop paying for someone else's mortgage.
Own my home. The pros are I am able to change decor and paint. I am able to get things done on my timetable and not wait for landlords as I once had to wait 6 months to get my airconditioning fixed. There is also tax deductions for owning.
Cons are of course when things break it comes out of your pocket but overall I am happy to own.
I own but wish I rented.
we own our home, and it was the second best decision we made...second only to marrying each other.
I just stumbled across this site and while this post is a couple of years old, I had to respond. I paid big money for anit-glare AND scratch-resistant coatings for my last pair of glasses and I have never had so many scratches on my glasses in my life. (And I've been wearing glasses since 1978.) After only a couple of months I noticed severe scratching, even though I was carefully cleaning my glasses with the special cloth that came with them. When I took them back to the store where I purchased them (Lenscrafters) I was reprimanded for not buying the insurance plan and for using the cloth to clean them. I was then told they could not do anything about it and that yes, "anti-reflective coating scratches easily." Well, why the hell did I pay for the scratch-resitant coating????
We own. (Which really means we have a mortgage.) I'd only rent if I thought we wouldn't stay in one place for very long. We rented our fair share of places in graduate school and immediately after.
Legalize weed and you won't have to worry about anyone taking your home because your tenant has, what basically is a garden, in the basement. Wake up people.