Today with all the viruses and Trojans that come into our systems, it is important to guard against what we can and also be diligent in hunting down invaders, clean up and optimize our computers.
This week you all need to install and run the programs below to get your system working better.
The first is:
www.ccleaner.com
Install and run this daily - it will help clean out all sorts of junk.
www.oibit.com
Fantastic program to boost performance and clean up the hard drive. Scans for spyware and other mailicious files. Load it and then run all the systems scans and fixes. Excellent program that will really speed up and protect your system.
www.freeavg.com
This program kills viruses and spyware and will stop websites that are infected with malware. The scan will take 2-3 hours so set the scan to work overnight.
www.avast.com
Protects your computer from rootkits - nasty viruses that hide on your computer.
Thursday, April 16, 2009
Friday, April 10, 2009
How Smart Are You?
The Smart or Stoopid test is purely meant to be a fun quiz to see how your IQ rates alongside the average, based on the scores.
This is a VERY fast test, so be prepared.
You only have 8 seconds for each question.
Friday, April 3, 2009
A Special Thanks From Barack Obama
Alero --
Thanks in no small part to your incredible work and dedication, we have taken another step towards creating jobs and rebuilding our struggling economy.
Last week, the budget I submitted to Congress passed both the House and the Senate and it embraces our most fundamental priorities: an energy plan that will end our dependence on foreign oil and spur a new clean energy economy; an education system that will give our children the tools to compete in the economy of the 21st century; and health care reform that finally confronts the back-breaking costs plaguing families, businesses and government alike.
Thousands of you signed pledges of support, knocked on doors, made phone calls, and talked to your friends and neighbors about this budget and the investments it makes in our long-term prosperity. You showed Washington that ordinary citizens are demanding change and are willing to work for it.
Our work on the budget isn't finished -- Congress still has to agree on a final version. But your efforts have sent a message that Washington can't ignore.
I'll be counting on you even more in the coming weeks and months. The budget Congress passes will be a critical blueprint for the changes we'll bring about. But that's when the real work begins -- the work that will bring health care to every American, transform our economy to run on clean energy, provide our children with the best education in the world, and bring about a new era of prosperity.
Thank you for everything you've done,
President Barack Obama
Thanks in no small part to your incredible work and dedication, we have taken another step towards creating jobs and rebuilding our struggling economy.
Last week, the budget I submitted to Congress passed both the House and the Senate and it embraces our most fundamental priorities: an energy plan that will end our dependence on foreign oil and spur a new clean energy economy; an education system that will give our children the tools to compete in the economy of the 21st century; and health care reform that finally confronts the back-breaking costs plaguing families, businesses and government alike.
Thousands of you signed pledges of support, knocked on doors, made phone calls, and talked to your friends and neighbors about this budget and the investments it makes in our long-term prosperity. You showed Washington that ordinary citizens are demanding change and are willing to work for it.
Our work on the budget isn't finished -- Congress still has to agree on a final version. But your efforts have sent a message that Washington can't ignore.
I'll be counting on you even more in the coming weeks and months. The budget Congress passes will be a critical blueprint for the changes we'll bring about. But that's when the real work begins -- the work that will bring health care to every American, transform our economy to run on clean energy, provide our children with the best education in the world, and bring about a new era of prosperity.
Thank you for everything you've done,
President Barack Obama
Wednesday, April 1, 2009
Start Early to Help Build Your Child's Financial Security Part 3
"I want my children to have a good start in life."
Don't we all? No, that doesn't mean spoiling them rotten, though we often wish we could. We want to give them a solid leg up so they can achieve their own financial security.
Fortunately, there is much you can do to help bring that about and to help assure that your children, whether still in a high chair or already in high school, can enjoy a lifetime of financial security.
1. Start young to help them understand the concept of money and how it works. When my daughter was four years old, she'd help me pick out toll money when traveling by car. When we'd go shopping, I'd casually explain why I bought one brand versus another. "By getting this one, we can now afford to go out to lunch with the money we saved."
2. Help them cultivate the savings habit by establishing a savings account at your bank or credit union. Set it up in their name and encourage them to make regular deposits. One way is to match their deposits. Let's say your ten year old son saves $5 a week and you match each deposit dollar for dollar, so a total of $10 goes into the account each week, or $520 a year. When he's ready to buy his first car in a few years, the down payment, if not the whole amount, will be waiting for him.
3. Teach them how to spend money. That also means letting them make mistakes. When I was a kid, I blew a whole dollar on penny candy, one hundred pieces. It sounded like a good decision at the time, until the ice cream truck came down the street that evening and I had no money. No, I didn't get ice cream that day, though my parents did explain how I could have had some candy and some ice cream if I had chosen more wisely. The point: Take a proactive approach to educating your children about money and how to use it wisely.
4. Set up a college fund This link will open an external site in a new browser window. and help them save money for college. If you care about your children and want them to have the best possible opportunity for a financially secure future, make sure they have the opportunity to get at least a four-year college education. Every bit of research done on the subject shows that there is a direct correlation between education and income.
More ideas for helping your children achieve financial security:
* Begin their retirement IRA now. This may sound silly at first — setting up a retirement IRA for your ten-year-old — but it's never too early to start. If they earn an income, your children can begin making IRA contributions at any time. (Or, like many parents, you can make the contribution in their name, provided they have verifiable income.)
Let's say your 15-year-old earns $500 this year doing part-time work. Contributing $500 of your own money into his or her IRA may be a good investment in your child's future. This gets the ball rolling. Eventually, your child makes his or her own contributions. Then imagine 50 years from now: Depending on the average return, he or she could potentially be a millionaire several times over. And it all started this year because you helped set up that IRA.
* Update your life insurance program. As long as your children are minors, they are dependent on you for their financial security. If you die prematurely, all your dreams for them could be jeopardized. That's why you should make sure your life insurance program reflects not only your own needs and current income, but your goals and dreams for your children. How much is enough? That's your call. The best bet is to get good information. Discuss your needs — both current and future — with your agent. And don't put it off. Some things are too important to delay.
* Start their life insurance program by purchasing coverage on children as early as possible. Their rates will never be lower. Many will allow them to increase their coverage at certain key times in their life — such as when they turn 21, marry, graduate from college, or have children of their own. In this way, you are helping carry on the legacy by helping your children protect their children.
The bottom line: If you love your children, hugs and kisses are one way to show it. Another way, one that will stay with them and prove itself day after day for the rest of their lives, is to help them build their own financially secure future.
Don't we all? No, that doesn't mean spoiling them rotten, though we often wish we could. We want to give them a solid leg up so they can achieve their own financial security.
Fortunately, there is much you can do to help bring that about and to help assure that your children, whether still in a high chair or already in high school, can enjoy a lifetime of financial security.
1. Start young to help them understand the concept of money and how it works. When my daughter was four years old, she'd help me pick out toll money when traveling by car. When we'd go shopping, I'd casually explain why I bought one brand versus another. "By getting this one, we can now afford to go out to lunch with the money we saved."
2. Help them cultivate the savings habit by establishing a savings account at your bank or credit union. Set it up in their name and encourage them to make regular deposits. One way is to match their deposits. Let's say your ten year old son saves $5 a week and you match each deposit dollar for dollar, so a total of $10 goes into the account each week, or $520 a year. When he's ready to buy his first car in a few years, the down payment, if not the whole amount, will be waiting for him.
3. Teach them how to spend money. That also means letting them make mistakes. When I was a kid, I blew a whole dollar on penny candy, one hundred pieces. It sounded like a good decision at the time, until the ice cream truck came down the street that evening and I had no money. No, I didn't get ice cream that day, though my parents did explain how I could have had some candy and some ice cream if I had chosen more wisely. The point: Take a proactive approach to educating your children about money and how to use it wisely.
4. Set up a college fund This link will open an external site in a new browser window. and help them save money for college. If you care about your children and want them to have the best possible opportunity for a financially secure future, make sure they have the opportunity to get at least a four-year college education. Every bit of research done on the subject shows that there is a direct correlation between education and income.
More ideas for helping your children achieve financial security:
* Begin their retirement IRA now. This may sound silly at first — setting up a retirement IRA for your ten-year-old — but it's never too early to start. If they earn an income, your children can begin making IRA contributions at any time. (Or, like many parents, you can make the contribution in their name, provided they have verifiable income.)
Let's say your 15-year-old earns $500 this year doing part-time work. Contributing $500 of your own money into his or her IRA may be a good investment in your child's future. This gets the ball rolling. Eventually, your child makes his or her own contributions. Then imagine 50 years from now: Depending on the average return, he or she could potentially be a millionaire several times over. And it all started this year because you helped set up that IRA.
* Update your life insurance program. As long as your children are minors, they are dependent on you for their financial security. If you die prematurely, all your dreams for them could be jeopardized. That's why you should make sure your life insurance program reflects not only your own needs and current income, but your goals and dreams for your children. How much is enough? That's your call. The best bet is to get good information. Discuss your needs — both current and future — with your agent. And don't put it off. Some things are too important to delay.
* Start their life insurance program by purchasing coverage on children as early as possible. Their rates will never be lower. Many will allow them to increase their coverage at certain key times in their life — such as when they turn 21, marry, graduate from college, or have children of their own. In this way, you are helping carry on the legacy by helping your children protect their children.
The bottom line: If you love your children, hugs and kisses are one way to show it. Another way, one that will stay with them and prove itself day after day for the rest of their lives, is to help them build their own financially secure future.
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