July Tips

Have You Saved Enough Should the Unexpected Happen?

While more Americans than ever say they do, most still say they don’t have the recommended six months of expenses saved, should they lose a job or experience an unexpected illness.

Although it’s true that saving requires discipline, it’s not as difficult as you may think — especially if you follow these six simple tips.

Automate Your Deposits

Put Extra Money Into a High-Yield Account

Deposit Windfalls

Deposit Your Raise

Consider the “Gig Economy”


Clean House

How Secure Is Your Email Account?

We all know that unencrypted emails can be easily intercepted by hackers and snoops, but email account hacking remains one of the prime dangers for online users. Your best defense against email hackers is a strong password that you change regularly. But how do you make a password both difficult to guess and easy (for you) to remember? One that’s long yet speedy to type?

Here’s one strategy for secure email passwords that turns a simple sentence into a complex password and adapts it for your individual email service, too.

Choosing a Hack-Proof Email Password

To create an email password that is hard to crack:

The final example password is a bit long and cumbersome to type. However, it gives you an idea of how to generate your own unique password.

Alternative Secure Password: A Sentence

If your email service allows for really long passwords, you can use a reasonably long, random sentence as your password. Make sure the sentence is unique — lines from popular books or lyrics are not ideal — and long enough — say, 50 or 60 characters. A unique and quasi-random sentence in a foreign language is usually a good choice.

Beware Social Engineering

No matter how clever and strong your password, a hacker is in if you give it away.

Using these tips to generate your own unique passwords and changing your passwords frequently are the best ways keep your email account secure.