- Always use Passwords to Lock and Protect Your Cell Phone and Data & Use Strong Passwords for Online Accounts. This is done by using a combination of at least 16 letters, numbers and characters whenever possible.
- Back-up your files and photos regularly to an External Hard Drive (1TB Hard Drive or larger – Pictures eat up a lot of space). You don’t want to lose important data or your memorable digital pictures.
- Don’t tell telemarketers you’re not interested, instead tell them to take you off their calling lists.Otherwise, they’ll just continue calling at dinner time. In most cases, once you make the request, they are required by law to remove your name from their calling lists and may be required to pay you a fee for each offense if they continue to call.
- Change Oil every 7,500-15,000 miles:
Edmonds states on their website we are unnecessarily spending millions of dollars and spilling an ocean of contaminated waste oil. The majority of automakers today call for oil changes at either 7,500 or 10,000 miles (not 3,000 miles), and the interval can go as high as 15,000 miles in some cars. http://www.edmunds.com/car-care/stop-changing-your-oil.html
- Get your tires balanced and rotated every 3,000-7,000 miles. This will keep your warranty in order, help prevent uneven wear, give your car better control and handling on the road, provide better gas mileage and increase the longevity of the tire. (this service is usually included in the optional “Road Hazard Warranty” when you purchase your tires).
- Get a Living Trust to Keep Your Assets Out of Probate A will designates where your assets go upon death. But sometimes you need someone to make these decisions when you get sick. This is why you need a living revocable trust. You can appoint yourself as the trustee when you are well and a successor trustee if you become incapacitated. This makes it easier to get money to your beneficiaries without going through probate court, which can take between 6 months and two years. A living revocable trust with an incapacity clause will cover all of the bases.
- Invest in a Retirement Account.
Contribute to a 401(k) retirement plan or a Roth IRA to the maximum every year to take advantage of tax-free growth. If you contribute only $100 a month and it appreciates at 10% a year for forty years, you’ll end up with over $632,000.
- Consider a 15 Year Mortgage over a 30 Year Mortgage to Save thousands of dollars over the term of the loan. You can also save thousands by making just one extra payment on your loan each year. Make sure your lender knows it’s an extra payment and not just an advanced payment.
- Begin New Habits Now for a Healthier Body & Mind: Exercise (30 minutes or more/day),
Sleep (8 hours/day), Eat Plenty of Fruits/Vegetables, Don’t Smoke, Meditate (to relieve stress), Drink Water (8-8 oz. glasses/day), Reduce Carbohydrates and Sugar from your Diet (works wonders for losing weight),
Try Something New and Challenging, Read.
Sounds simple enough – try it.
- Use Programmable Thermostats and LED Lights. Program thermostats to 82 degrees while your away from the home or office, then set it for the desired temperature a half hour before you normally return.
LED lights use 85-90% less energy and can last for over 20 years.
- Call Kevin Postal to Save Time and Money on Real Estate Purchases, Leases, or Property Management. (772) 785-8569
