Connect with us

Home

Who will be You on Halloween? Identity Theft…a faceless, traceless crime!

Published

on

Halloween is fast approaching and you and your children will be dressed up as different characters, but who will dress up as you?

After the recent Facebook breach, people realize that even social media isn’t safe from identity theft. Our information is out there and we can’t get it back.

So, what are some types of identity theft and what can we do about it?

  1. Social Security numbers. They like yours and your children’s!
  2. Credit cards, debit cards and bank accounts.
  3. Medical services. Getting treated in your name
  4. Drivers licenses
  5. Crimes committed in your name
  6. Passports
  7. Cell phones/ Smart phones and computers

It’s absolutely vital that you have your information monitored on a regular basis as well as your children’s! That includes social security numbers, drivers licenses, passports, credit/debit cards and bank accounts, insurance policies, and even social media.

When your information is being used, you need to be notified immediately!

Trained “licensed” investigators need to find out the details.

Most importantly, the investigators must Restore your identity back to where it was 100%!

Identity theft continues to sweep across our nation and it is Your responsibility to protect your identity and your children’s.

Pat Moore is a Regional Manager for LegalShield & IDShield and serves on the Boards for the Northern Virginia Employer Advisor Council and the Shenandoah County Chamber of Commerce. For more information about protecting yourself, your family and your employees, please send an email to: moorep@legalshieldassociate.com  Or call: 540-305-9937

Home

Five ways to have a full social life during retirement

Published

on

If you’re retired and have spare time on your hands, why not take the opportunity to try something new or meet new people? Here are five things you can do to enrich your social life.

1. Join a club (hiking, book, knitting, golf or acting)

2. Sign up for a group activity (yoga, painting, photography, choir or learning a second language)

3. Volunteer (at a non-profit, an animal shelter or the local library)

4. Attend lectures, readings and meet-and-greets

5. Join a group suited to your interests on the site MeetUp.com

If all else fails, simply go out. Visit a coffee shop, stroll through a museum, attend a show, play bingo or simply go somewhere where you can experience something new or see new faces.

Continue Reading

Home

Can a financial adviser help you manage your budget?

Published

on

If you find yourself constantly struggling to pay off debt, save for the future or stay on budget, it may be time to schedule an appointment with a financial adviser.

Here are some situations where you should consider meeting with a financial adviser:

• You’re looking for help managing your debt and coming up with strategies for paying it off

• You’re getting your finances in order to plan for a major lifestyle change (buying your first home, having your first child, preparing for your retirement, etc.)

• You’d like help setting a budget that will help you save for specific goals (making a down-payment on a house, buying a new car, a trip to Europe, etc.)

• You want to learn about the right investment opportunities for a person in your financial situation.

Although it may seem impractical to pay someone to help you with your finances when you’re having money trouble, working with a professional can help get you on the right track towards meeting your long-term financial goals.

Continue Reading

Home

Avoiding mortgage refinancing scam

Published

on

Scammers are targeting homeowners, trying to trick them out of cash and home equity, according to U.S. News.

‘Loan flipping’ scams seem to offer relief for those struggling with monthly mortgages. What actually happens is the scammer offers a fantastic deal on lower interest rates or mortgage payments.

The homeowner goes through the lengthy loan application process only to find the terms and fees are much higher than advertised.

Scammers get away with this because victims are either too fearful or exhausted by the process to end the deal.

Some schemes strip equity from homeowners who are in danger of foreclosure. ‘Mortgage rescuers’ focus on homeowners who have a lot of equity in the property, but now can’t make mortgage payments. They tell delinquent payers that they will pay off the mortgage if they sign over the deed and make rental payments. Unfortunately, the rental fees are likely to be just as high. The scammer waits until the person falls behind, evicts them, keeps the equity and sells the home or skips town.

Here are things to look for:

* Leaseback schemes. The scammer is going to own your home and you will rent from him. Always crooked.

* Bad credit doesn’t matter. Credit always matters. If someone tells you otherwise, be suspicious.

* Upfront fees. These criminals review public records of people in default on their mortgages. For a big fee, they offer to help homeowners refinance, usually through a government program, but they actually do nothing. In the end, the house is foreclosed, the homeowner loses everything, and the helper pockets the fees.

Continue Reading

Home

Snow Day essentials

Published

on

Kids usually jump for joy when a snow day is announced, but for parents, the news tends to be somewhat less exciting. Here are a few things to have on hand should you end up staying home with your children during a snowstorm.

• The right outdoor clothes: snow days are best spent outdoors, but your kids need to have all the right clothes so they won’t get too cold or too wet. Check that everyone in your household has winter jackets, snow pants and insulated, waterproof boots. Make sure to keep extra gloves, scarves and hats on hand; these items of clothing often end up disappearing while kids are off sledding and making snow forts.

• Warm beverages: classic snow-day drinks like hot chocolate, peppermint tea or spiced apple cider will warm everyone up after a day out in the cold. On days when the weather’s too bad to go outside, hot beverages will help create a cozy atmosphere at home.

• Arts and crafts supplies: art projects can be a great way to keep kids occupied on days when it’s too cold or snowy to play outdoors. Keep supplies like crayons, markers, paints and paper around so you can pull them out before anyone starts to complain about being bored.

• Board games: board games are a classic way to spend snow days as a family. Getting children involved in a heated game of Monopoly, Risk or Chutes and Ladders will make the time pass quickly for all of you.

With these ideas in mind, you’ll be able to keep your kids entertained for hours on end, even during the snowiest of snow days.

Did you know?
The largest recorded snowfall in American history occurred in Sliver Lake, Colorado, on April 14, 1921. How much snow did the area near Boulder get? A whopping 75.8 inches — within just 24 hours!

Continue Reading

Home

Side hustles and the gig economy

Published

on

In today’s gig economy, it’s becoming more common to have a “side hustle” — a flexible second job that’s done in addition to a full-time position to generate extra income.

The emergence of gig-based companies like Airbnb, Uber and Etsy has made it easier than ever for people to have a side hustle. Some popular side gigs include renting out apartments, driving for rideshare companies and selling handmade products online. Additionally, freelance writing, editing and designing for the web are prevalent types of side hustles.

While side hustles are often associated with making a hobby into a source of income, most people turn to them because they need the extra cash. Many people working side hustles are millennials struggling to find well-paying jobs and pay off student loans. However, studies also show that older Americans are starting to use side hustles to boost their retirement savings.

If you’re thinking about taking on a side hustle, be sure to choose something you enjoy doing. This way your motivation to work during your free time will be high. In most cases, however, you shouldn’t depend on what you earn from your side hustle. The availability of freelance work tends to fluctuate, making it a source of income that’s unreliable.

Continue Reading

Home

How to safely walk your dog during the winter

Published

on

During the colder season, it’s important to take a few precautions when bringing your dog out for a walk. Read on to find out how to make your snowy strolls enjoyable and safe for your pup.

Each dog deals with the cold differently. Depending on your dog’s breed, age and health condition, your trusted companion could be extra-sensitive to cold temperatures. Never push your dog beyond its limits when it comes to weather sensitivity.

Before venturing outdoors, protect your dog’s paws from the salt used on city streets and sidewalks. Invest in tiny boots specially designed for dogs. If your pup refuses to keep them on, avoid walking in areas with too much salt on the ground. Furthermore, consider dressing your furry friend in a warm coat to help preserve its body heat. Some pet-sized snowsuits will even cover your dog’s paws.

In periods of extreme cold weather, prefer frequent short walks to ensure that your four-legged friend gets enough exercise.

Finally, if you notice that your dog’s fur is wet after a stroll outdoors, make sure to dry it thoroughly with a towel or blow dryer. Focus on the paws, belly and ears, and take the opportunity to inspect the pads under Fido’s feet for any signs of injury.

Beware of snow!
Try to stop your dog from eating snow as much as possible. Even if it looks clean, it doesn’t mean it’s safe. Eating snow can cause gastrointestinal problems like diarrhea and vomiting.

Continue Reading

King Cartoons

Upcoming Events

Jan
21
Mon
6:00 pm Demystifying Digital Photography... @ Art in the Valley
Demystifying Digital Photography... @ Art in the Valley
Jan 21 @ 6:00 pm – 8:00 pm
Demystifying Digital Photography: An Introduction @ Art in the Valley
Are you interested in taking photographs that tell a story, capture a moment, or express a feeling?  Do you want to learn about all the settings and options on your camera?  Today’s digital cameras are[...]
Jan
23
Wed
10:00 am Drawing Basics: Winter 2019 5-We... @ Art in the Valley
Drawing Basics: Winter 2019 5-We... @ Art in the Valley
Jan 23 @ 10:00 am – 12:30 pm
Drawing Basics: Winter 2019 5-Week Course @ Art in the Valley
Instructor: Michael Budzisz When: Wednesday mornings from 10 am – 12:30 pm, Jan. 23rd – Feb. 20th. Cost: $165 (includes materials)
1:30 pm Introduction to Watercolor Paint... @ Art in the Valley
Introduction to Watercolor Paint... @ Art in the Valley
Jan 23 @ 1:30 pm – 4:00 pm
Introduction to Watercolor Painting: December @ Art in the Valley
This class provides a hands-on experience for painting with oils. Learn to set up a palette, mix color, and apply paint to create a finished work of art. Class meets once a week for five[...]