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One of the more commonly asked questions for those who keep their financial information on computers and access their accounts on their internet is whether

online banking is really safe. One of the major reasons that this asked has a lot to do with the stories floating around about the latest computer viruses, the exploits of destructive computer hackers, and other media stories. It seems like every time you look around someone’s financial information or account has been compromised, their money or identity has been stolen, and their financial reputations ruined. The question becomes very important if you are thinking about opening up an online bank account or make use of online banking services. “Is online banking really safe?”

What these people are asking is this: “How good is your online security?” or “What measures do you have in place to keep my financial information safe from those who would try to compromise it?” Online security is not only a big priority with the consumers who use online banking services, it is clearly a serious matter with the financial institutions themselves. Online banks spend a lot of time and resources to provide some of the most innovative and evolving security measures imaginable.

If you want to know what sort of security measures are in place to protect your transaction on a particular site, you can probably find plenty of information about those policies directly from the website. Most online banking systems do employ specific types of measures, although some of the details may vary.

Many online banking systems use what is called a direct-modem connection. This sort of electronic link moves any banking transactions securely from access point to the banking institution and vice versa. This avoids the use of the internet as a vehicle for moving transactions. This does not mean that there are not online banks that do use the web to make transactions. If the bank you are considering used the latter configuration, you need to know if they use high-end encryption systems to keep transactions safely out of reach.

Since there are so many financial institutions and e-commerce sites that do primarily make financial transactions via the internet, it is wise to find out what sort of encryption programs are in place. More than this, you need to be aware of whether your bank’s security measures are operating while you are making your transactions. Thankfully, most web browsers include features and display icons that identify when a website is operating security measures or not. You’ve probably seen them before. Many browsers have little padlocks or keys to denote security. If you see these, you can sure that an online security system is functioning.

Other online security features include the use of passwords and personal identification numbers (PINs). This is front door security. Only you should know what your numbers and passwords are to ensure the immediate security of your online banking information.

Banks want your business; it’s the only way they make money. You shouldn’t be concerned that they will not take issues like safe transactions and online security seriously.

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In preparation

• Make sure you have travel insurance.
• Get together some information on your destination, such as recommended restaurants,

nightspots and excursions. The internet has a whole host of sites with free information that you can print out. Also, you can print out useful words and phrases if you’re unfamiliar with the language.
• Double check your flight times, and plan your routes – not just to the airport, but also for when you get there if you’re hiring a car.
• Check you’ve bought the essentials such as chargers; plug adaptors, bug repellent, sun cream and a first-aid kit.
• Check your home insurance is in place.
• Set timers for both lights and, in the winter, heating/hot water – so your pipes don’t freeze.
• Cancel any regular deliveries, throw away perishable items and empty your bins.
• Give a friend or family member spare keys, just in case, and some brief details of your holiday too.
• If necessary, ensure you’ve had any vaccinations needed and check if there are VISA requirements.

On the day of travel

• Take an extra wallet/purse to hold things that you won’t need until you return, like car keys, house keys and any English money. This can then be in a safe place, locked in your room, or your room’s safe, until you leave.
• Make sure you have valuable items on you, and have not packed them in your hold luggage: e.g. expensive jewellery, passport, money etc.
• Check your hand luggage has nothing sharp in it and that all your liquid items don’t exceed 100ml each – or the items will be confiscated. You are asked to put these items in one see-through bag with a litre capacity.
• Ensure you’ve securely locked the house up, stored any valuables away from view and unplugged any electrical appliances.

For the plane

• Wear layers – the air conditioning on the plane is usually out of your control, and you want to be able to keep yourself at a comfortable temperature.
• On long-haul flights remember to walk around the cabin every now and then, or at least do the recommended foot and leg exercises, to reduce the chances of DVT.
• Keep hydrated. Long flights with air conditioning can not only give you a dry throat, but also dehydrate the body. Drink plenty of water, and avoid alcohol and caffeine. Even if it’s free, it can still dehydrate you!

Whilst Away

• Divide your money up between family members and don’t take all of your holiday money out with you – leave some of it locked away in your room. Be aware of pickpockets who prey on tourists.
• Write your hotel address on a piece of paper and keep it on you at all times. Then you’ll have something to show a taxi driver if you don’t speak the language and get lost.
• Use plenty of sun-cream if it’s hot. You don’t want to get so burnt on the first day that you ruin the whole trip.
• And finally… enjoy yourself!

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Is your mortgage qualified for a refinance? Get a Colorado refinance if it is 0.40% above the running average mortgage rate. But before you do check out

your finances, is it viable?

It’s not a gold rush but a refinancing race to get mortgage applications approved while interest rates are docile. This is good news for fixed rate mortgage hopefuls getting a Colorado refinance for whatever reason they have - to remodel their homes, to pay a big hospital bill not covered by their health insurance, etc.

But you should be wary of your chances if you’re looking at a bad credit score. Lenders are looking at credit scores to determine eligibility for a loan. Yes, there are Colorado refinance companies that will accept your loan application despite a bad credit score, but mind you, you’ll be paying higher interest rates than your neighbor who has a good credit score.

The Feds may have cut the rates down another notch, but lenders still stick to indexes, which determine their cap on interest rates. Meaning, if interest have gone down because of the Fed cuts, lenders will still have their way with their interest rates. It will be actually higher than the supposed decline caused by the Fed cuts. If you’re itching for a refinance, do your homework first.

Another thing, not all people can get a refinance especially if they are in a sub-prime mess. But you don’t have to worry about your chances if you have the prerequisites - a good credit score and mortgage loan payment record. You will enjoy lower interest rates, though you’ll have less money because a refinance on your mortgage means you’ll have to pay your balance of the mortgage.

Before going to the bricks, hop online and use the refinance/mortgage calculator to find out if a refinance is within your budget. This will give an accurate idea what how much you’re going to pay monthly for a 30-year fixed rate mortgage. Remember that when you take out a refinance, you’ll be erasing the number of years you’ve been paying on your mortgage - that’s another 30-year repayment schedule you’ll have to live with.

If you think that lending companies are mean when they dump you with a higher interest rate because of your poor credit score, they are erring on the side of caution. Sometimes the idea sucks, but this is business, and Colorado refinance companies have to earn. That’s why they are in the business in the first place.

Once you found a company that offers a reasonable rate despite your poor credit score, find out what their fees are on top of the PMI (if you don’t have the money for the downpayment of the loan) and origination fees. You’re likely to pay property assessment fees, lawyers’ fees, etc.

Always ask for the policy for refinancing pre-payment. If they charge you because you have the money to pay your loan earlier, compute their fees and add it to the total refinance bundle. If things look all right to you, ask for a checklist for documentary requirements. Having a complete file of documents will lessen the processing time of your loan.

The key to a successful Colorado refinance loan is your determination to make it work, no matter how difficult it can be at times when there are other urgent and big expenses waiting to be paid. So are you still game?

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Some people make money. Loral Langemeier makes millionaires. She’s the founder and CEO of Live Out Loud, a mentoring program that helps thousands find

wealth, and she’s the author of “The Millionaire Maker” series, including “The Millionaire Maker: Act, Think, and Make Money the Way the Wealthy Do”. Loral was also a contributor to the highly successful book and film, “The Secret”.

Loral Langemeier’s passions include teaching, money, play, people, sports, dinner parties, wine, and fun. It seems just about everything is her passion. As a child living on a farm in Nebraska, money was a hush-hush subject. It wasn’t right to ask for money. That’s what Loral does today, though. Not only does she do it, but she teaches others to do it as well, turning some into millionaires.

Loral believes that you can turn anything into a profitable business. She sees people every day who perform services for free. Can you write? Why not get paid for it? Can you paint? Why not charge people for murals in children’s rooms? Can you drive? Why not run errands for people who are unable or too busy to do it themselves?

Loral started her first business as a teenager, and by her 30’s, she was already a millionaire. How did she do it? She asked for it. Loral Langemeier always had a passion for sports and fitness. She began working as a personal trainer, and then she taught her friends in college how do lead aerobics classes.

Her aerobics classes led to a business in which she was getting paid for other people’s efforts. She found the clients, and then she got a percentage of the profits her employees made. This eventually led to a multi-million dollar contract with the Chevron Corporation in which she set up fitness centers on over 200 offshore oil rigs.

If Loral Langemeier’s had a motto, it might be something like, “Strengthen Your Strengths. Hire Your Weaknesses.” That’s just a fancy way of saying, “don’t waste your time.” Building a business quickly and efficiently means you can’t do everything by yourself, especially the things you don’t know how to do.

If you’re just starting out, you can’t afford to hire an entire staff, but you should still start with a couple of key multi-tasking people. Can’t do taxes? Hire a seasonal accountant. Not a people person? Find someone who can handle both your HR and Marketing departments. The most important thing to remember is that if something is worth doing, it’s worth being paid well to do. You’ll be able to afford a staff in no time.

Not getting bogged down in the details applies to your regular life as much as it does to your business. You can’t focus on your passion if you’re focused on everyone and everything else. Cut out everything that can be done by someone else or that doesn’t apply to your passions or family. When you focus on your business, you’ll get out of the rat race sooner and have more time for yourself and your family!

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Saving money is easier said than done, and for a wage earner struggling to make both ends meet, this can be frustrating. Here are some less painful ways

to save money and still live comfortably, albeit without the luxuries.

When you get your paycheck, you already foresee what will be left of it after you’ve paid your bills. You still have to stock up on groceries and perishables before the next payday, put aside money for gas, and do a balancing act with the remaining amount. Normally you would always have a few dollars carefully stashed in one of your money clip wallets, just in case you’ll need to meet some emergency expense.

If you’re still wondering why, despite the increase in pay, you’re still floundering with your budget, a little review of your spending habits should be done if you want to find where you are spending your money. True, it is tedious to be listing down everything you spend on when even a $1 candy bar has to be entered into the journal so you can see where your money is going.

Once you’ve discovered your spending habits, face up to it and trim the fat. Here are some small items that eat up your budget and that you can do without:

* Newspapers
* Cigarettes
* Family dinners out
* Movies
* Spending for coffee in the office
* Buying office lunch
* Unnecessary use of the car

Calculate how much you spend on each item and add them up. You’ll be aghast at the amount you’re spending unnecessarily.

Credit cards - Stop using your credit card for small purchases. Pay household utilities and groceries in cash. The interest adds up to the unwanted expense list if you don’t pay your credit card debt on time. Ditch other cards and use only one with the lowest interest rate. Pay your existing credit card debts before the interest balloons into unmanageable proportions. If your credit card debt is screaming to be paid, pay it. In the meantime, lower your expenses so you can channel the money to debt repayment.

Electricity - Change all household bulbs to lower wattage. Designate one room for a common workplace where everybody can read, do their lessons, use the computer, or catch up with office work. Schedules for every chore should be followed strictly and lights should be off at 10PM, with the exception of the common room where everybody can work.

Heating - Of course, it would be inhumane to cut off heating costs. Still, you can cut cost by cleaning your vents regularly. Another drastic effort is to lower the thermostat when you take your shower. You can lower your heating bills by 15%. If you have five children, that’s a lot of money saved.

Water - Instead of soaking in a tub, use the shower. Instead of fancy soaps, use anti-allergenic soaps for the whole family, unless there is a family member who needs special soap formulas.

Gas - Don’t drive yourself to the nearest store - walk! Get public transport to work and see how much you save on gas in a week’s time. Sometimes laziness and the love for expedience takes over one’s will to forego some conveniences. Save the car and the gas for important or urgent missions.

Observing these drastic money saving tips can save you lots of money. Add it all up (gas, electricity, water, heating, and credit card interests) both monthly and annually. It’s a wonder you didn’t know where your money went all those years. In these difficult times, the profligate spending should be nipped because you can never be too sure of what lies ahead.

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