By Brad Beckstrom
If you’ve ever used a credit card, online accounts, applied for loans or online offers, you’ve most likely already had parts of your identity stolen. Somewhere someone is keeping a file on you and that includes your Social Security number, addresses, recent passwords, and other information like your mother’s maiden name.
About once every year or so we get a new credit card number when fraud is detected on one of our two credit card accounts. This is a pain especially if you use online bill pay or financial tracking tools like Quicken or Personal Capital. (Everything needs to be updated, again.)
However, it’s relatively minor and common compared to full-on identity theft. Identity theft can come in many forms. Over the years we’ve experienced people successfully changing our address and getting a new credit card sent to them. Another fraudster created an actual credit card replica that was successfully used at Nordstrom and several other brick-and-mortar retailers. We’re also part of several data breaches per year including big ones like recent Target and Experian breaches as well as smaller ones most people never hear about. Read more…
By Brad Beckstrom
When I started saving in my mid-20s I was not aware of the term “financial independence.” I was, however, very aware of the word “freedom.” I was never good at following orders. I likely would have struggled in the military or working for anyone who wanted things done a specific way. On the other hand, left to my own devices, I was very interested in making my own plans and setting personal goals. Secretly I was a bit of a self-improvement junkie. When I got my first real job out of college, I signed up for every class offered by my employer’s training department. Time management, presentation skills, Brewing 101. Well, I worked for a brewery. It seemed I was a much better student after college, devouring course materials and finding great books on my own.
Simple Money Habit #1
So, in a nutshell, that’s the first simple money habit: Lifelong learning. I’ve always put that first because regardless of how much money you’re able to save, the most important investment you can make is in your own development is you. Kevin Kelly, founder of Wired Magazine, once said “just read one book a month and it will change your life.” He’s right.
Simple Money Habit #2
Lifelong learning goes beyond reading and classes, it’s really also about asking questions. When I was calling on clients at my first real job, I was asking questions about their business, franchising ideas, what worked for them. Simple Money Habit #2: Ask Questions. This started early for me, even asking my grandmother if I could see her stock certificates or figure out how her calculator worked. Now I can get a lot of answers on Google, but the ones that are the most helpful come directly from people with experience. Read more…
By Brad Beckstrom
I should have made this list sooner, but I don’t like recommending something unless I’ve used it for a while, especially if it’s free, or it’s often too good to be true cousin (freemium). Since I started this blog in 2013, I’ve written about all kinds of free things on the inter-webs so I thought it would be a good idea to consolidate these into an ongoing list that I can update when I discover new free things, or get pissed and take one off the list. You can be sure that if it’s on this list I’ve been using it for at least a year.
Some of the items on this list are what we call “freemium”, meaning the initial version of the app is free, with more full-featured versions available for a fee. I won’t include them on the list if I don’t feel the basic version will fulfill most people’s needs, and I’ll be sure to mention if it’s ad-supported or freemium. These are not in any particular order, but in the future, I’ll add my latest discoveries to the top of the list.
- Craigslist, the granddaddy of useful free things on the web. Craigslist has been one of my favorite tools for getting rid of stuff, whether it means posting a curb alert to have your old stuff hauled away for free, unloading old computer equipment for cold hard cash, or selling some sports tickets without some service adding 20% to the price. It’s free, it’s useful, it works. The more you use it, the better you get. Always remember to use photos to get your items noticed. My favorite craigslist story was when our local UPS guy came and hauled away an old sofa that The Salvation Army would not accept.
- Google Apps for Work. Including Drive, Calendar, Docs, Gmail. I’ve been using Google’s online suite of apps for years. It always amazes me that I can create or find something much faster online in my browser than I can waiting for slow apps from Microsoft and Apple to grind through their bloated routines. After 6 years, I am currently using about eight gigs of the 15 free gigs of storage Google includes with my suite of apps. If you’re worried about security, you can even add two factor authentication. You’ll get a code sent to your mobile device if you try to login to your documents from another browser. You can also sync and backup your docs to your computer using Google Drive for your desktop.
How a free app and 5 minute exercise for the brain is like a reboot for your day.
By Brad Beckstrom
For years I’ve been reading about professional athletes, coaches, CEOs, artists, writers and others I admired, who meditated daily. I’d read about meditation and written about my experiments with it in the past. I wanted in on the benefits of meditation and mindfulness and I’ve been trying to make it a daily habit.
To be honest, I struggled with it. The longest streak of daily meditation I’ve had was five days, five minutes per day. Surely I could spare 5 minutes a day for this life changing habit? I was really having trouble silencing my ADD tendencies enough to get started and stick with it.
My problem was trying to meditate in silence. I learned quickly that the way my mind works is trying to fill any silence with thoughts. I’ve tried to train myself to silence these thoughts and banish them as they appeared. My meditation experiment included interesting tricks like envisioning these random thoughts as Post-it notes floating through the air and then being crumbled and tossed as I tried to clear my mind and focus on my breath. So, that’s what my meditation looked like, breathing sounds and Post-it notes full of thoughts and to-dos. I learned that’s how meditation often begins, helping you understand how your mind works so you can silence stress and negative thoughts. I was still having trouble with it as my stream of thoughts just became more visual as I sat in silence with my eyes closed.
How I Fixed It
Claiming your one terabyte of free space in the cloud.
By Brad Beckstrom.
It’s out there. The land rush is on. Free space. I’m not talking about a few free gigabytes of space, I’m talking free terabytes (1000 Gigabytes). If you’re like most people you have a lot of photos. They are probably out of sight, scattered around in all kinds of places, shoeboxes, disintegrating photo albums, old laptops, photo apps, and smartphones. Especially smartphones. As cameras in smartphones get better (Over 800 Apple engineers worked on the latest iPhone camera) we are taking more and more photos. We take photos of family, friends, pets, projects at work, that dent in our fender, photos of our stuff (a home inventory with photos can come in handy with the insurance company after that next natural or household disaster).
Wouldn’t it be great if we could store all our photos in one place and have them automatically tagged and categorized by date, topic, location, and then easily decide which ones to share with family and friends and which ones to keep private?
I recently got a crash course on photo storage options as I’m working on a project to publish 10,000 images over five years. I needed space for personal photos, work photos, and photographs for the project. If you count photography as a hobby and shoot high-resolution and raw images, up til recently online storage wasn’t a great option. Less than 100 full size image files from a modern digital SLR can take up more space than 65,000 pages of word documents. (about a gigabyte) High res scanned images can be even larger.
Don’t pay for cloud storage. Read more…